Lowe’s Becomes Exclusive Home Improvement Partner of Bilt, Revolutionizing Homeownership Rewards Through Neighborhood OS

Lowe’s Companies Inc. has forged a strategic alliance with Bilt, the leading rewards platform for renters and homeowners, marking a significant expansion of its loyalty program and a deeper integration into the homeownership ecosystem. This groundbreaking partnership, announced on November 10, positions Lowe’s as Bilt’s exclusive home improvement partner, granting the retail giant unparalleled access to Bilt’s rapidly growing community of over 8 million members. The collaboration is set to redefine how consumers engage with home maintenance and improvement, offering a seamless blend of rewards earning and redemption opportunities.

At the core of this initiative is Bilt’s innovative Neighborhood Operating System (Neighborhood OS), an artificial intelligence-powered commerce platform designed to connect businesses with local consumers through personalized offers and loyalty benefits. This sophisticated platform will enable Lowe’s to reach Bilt members with tailored promotions and rewards that are contextually relevant to their location and homeownership needs. Looking ahead, the companies have ambitious plans to launch a dedicated Lowe’s marketplace within the Bilt app in early 2027, further enhancing the shopping experience and consolidating home improvement resources.

Jen Wilson, Lowe’s Executive Vice President and Chief Marketing Officer, articulated the strategic vision behind the partnership: "By partnering with Bilt, we can meet customers in a community they already know and love and connect them to Lowe’s products, services and rewards in a way that feels simple and seamless." This sentiment underscores Lowe’s commitment to meeting consumers where they are and providing value beyond traditional retail interactions. The integration aims to make homeownership more rewarding by simplifying access to essential products, services, and expert advice.

Lowe’s, a titan in the home improvement sector, holds a distinguished position as No. 9 in Digital Commerce 360’s prestigious Top 1000 Database, a comprehensive ranking of North America’s largest online retailers based on annual e-commerce sales. Furthermore, the company’s forward-thinking approach to technology and customer engagement is recognized in Digital Commerce 360 and ReFiBuy’s AI Commerce Rankings, where it secured the No. 90 spot. This placement highlights Lowe’s prowess in leveraging advanced technologies, such as artificial intelligence, to enhance the customer journey and operational efficiency.

A Synergistic Rewards Ecosystem: How Lowe’s and Bilt Elevate Member Benefits

The newly formed partnership allows Bilt members to seamlessly integrate their existing loyalty programs, creating a powerful dual-reward system. Members can now link their MyLowe’s Rewards accounts, or establish new ones, to earn one Bilt Point for every dollar spent on eligible purchases at Lowe’s. This accrual is in addition to the MyLowe’s Money earned through Lowe’s proprietary loyalty program, which offers benefits such as free shipping and exclusive member discounts. This dual earning potential significantly amplifies the value proposition for Bilt members who are also Lowe’s customers.

Lowe’s integration into Bilt’s expansive network of over 50,000 merchant partners nationwide is a testament to the platform’s growing influence. This network already includes a diverse array of businesses, from local restaurants to fitness studios, providing Bilt members with a wide spectrum of reward opportunities. Through Neighborhood OS, Lowe’s gains the ability to deliver highly targeted offers and rewards, dynamically adjusting them based on a member’s geographic location. This localized approach not only drives engagement but also directs customers to their nearest Lowe’s store, fostering a stronger connection between the digital and physical retail environments.

A particularly compelling aspect of this partnership is the introduction of a new avenue for Bilt members to access and pay for Lowe’s HomeCare+ subscription services. Members can now leverage Bilt Points, Bilt Cash, or a linked payment card to subscribe to this comprehensive home maintenance offering. This provides a flexible and rewarding way to manage household upkeep, transforming potential expenses into opportunities to earn and redeem rewards.

The Lowe’s HomeCare+ subscription, priced at $99 annually, is designed to provide peace of mind and proactive home maintenance. It includes two in-home visits by trained Lowe’s associates, covering up to seven distinct maintenance services. Subscribers also benefit from a 5% discount on products utilized during these service calls, alongside the valuable benefits of Gold MyLowe’s Rewards. While currently available in select ZIP codes, the subscription auto-renews annually, ensuring continuous coverage and benefits for members. Bilt’s Neighborhood OS plays a crucial role in managing the subscription process, handling enrollment, verifying service availability at members’ addresses, and processing payments. Future enhancements, planned for December, will include the seamless matching of existing MyLowe’s Rewards accounts, further streamlining the user experience.

The Power of AI: Bilt’s Neighborhood OS as a Catalyst for Local Commerce

Bilt’s Neighborhood OS represents a paradigm shift in how businesses can engage with their local customer base. By integrating with existing payment, reservation, and customer management systems, the platform empowers merchants to precisely target nearby shoppers with personalized offers. It also facilitates the recognition of returning customers and the tracking of spending tied to specific promotions, providing invaluable data for marketing and operational strategies.

"For example, a neighborhood restaurant can identify prospective customers, launch a targeted offer to bring them in, recognize them when they visit, and automatically apply the appropriate benefit through its existing point-of-sale system," Bilt explained in its announcement. This illustrates the platform’s capacity to automate and personalize the customer journey at multiple touchpoints, from initial outreach to final transaction.

The platform’s advanced AI agents are designed to handle a multitude of tasks across connected systems, including reservation management, customer communications, and marketing campaigns. The effectiveness of this AI-driven approach is underscored by Bilt’s data: in the 30 days preceding the announcement, Bilt’s AI agents successfully completed over 2 million actions across more than 29,000 businesses, with an impressive 91% requiring no human intervention. This level of automation not only enhances efficiency but also allows businesses to scale their customer engagement efforts without proportional increases in staffing.

The development of Neighborhood OS signifies Bilt’s strategic expansion beyond its foundational rent rewards program. Since its inception in 2021, the company has progressively diversified its offerings to include mortgage rewards, local shopping incentives, travel benefits, and home services. This multifaceted approach positions Bilt as a comprehensive lifestyle rewards platform, catering to a wide array of consumer needs and preferences. Bilt estimates that approximately $6.6 trillion in annual U.S. retail and food-services spending occurs in person, a substantial market that Neighborhood OS aims to tap into by incentivizing local engagement. The company reports that its members have generated over $12 billion in rewarded commerce at local businesses in the past 12 months, demonstrating the tangible economic impact of its platform.

The Influence of Loyalty Programs on Consumer Behavior

The integration of Lowe’s into Bilt’s ecosystem is amplified by the established strength of Lowe’s existing loyalty program. MyLowe’s Rewards boasts a membership of over 30 million individuals. According to Lowe’s 2025 annual report, members of this program demonstrate significantly higher engagement, shopping twice as often and spending over 50% more than non-members. This data provides a robust foundation for the partnership, suggesting a high propensity for existing Lowe’s customers to embrace the added benefits of Bilt rewards.

Bilt’s own research further validates the power of loyalty programs in shaping shopping habits. The company’s inaugural State of the Neighborhood 2026 study revealed that an overwhelming 95% of respondents indicated a willingness to try a local business at least once if they could earn points or rewards there. Moreover, 87% stated they would increase their shopping frequency at local businesses offering such incentives. These findings underscore a strong consumer preference for reward-driven engagement, especially within their local communities.

The study, conducted by 451 Research by S&P Global on behalf of Bilt, surveyed 6,591 U.S. adults in March and April 2026. It also highlighted that two-thirds of Americans conduct at least 80% of their everyday spending within a 15-mile radius of their homes, emphasizing the importance of neighborhood-centric commerce strategies. This geographical concentration of spending makes Bilt’s Neighborhood OS, with its focus on local targeting, particularly relevant and impactful.

Bilt Broadens Its Horizons: A Network of Strategic Partnerships

Lowe’s is not an isolated addition to Bilt’s expanding commerce network. The company is actively forging alliances across various sectors, including technology and services. Home-services marketplace Thumbtack has also joined Bilt’s network, enabling members to connect with skilled professionals for maintenance and repair needs. In a significant move towards supporting small businesses, Bilt is partnering with Meta, with initiatives set to launch in 2027.

Furthermore, Bilt is collaborating with leading payments and point-of-sale providers such as Adyen, Verifone, Shift4, and Clover from Fiserv. These partnerships are crucial for enabling merchants to integrate with Bilt’s platform through their existing operational systems, minimizing friction and accelerating adoption. In parallel, Bilt is working with Mastercard to explore potential cardholder benefits and exclusive experiences at participating merchants, further enhancing the value proposition for its members.

The rollout of Neighborhood OS to businesses nationwide is slated to commence in phases starting in 2027, coinciding with the launch of Bilt’s expanded membership platform. This phased approach allows for meticulous integration and testing, ensuring a smooth and effective deployment of these advanced capabilities. The strategic intent is to create a robust ecosystem where businesses can easily connect with consumers, and consumers can derive maximum value from their everyday spending and homeownership activities.

The partnership between Lowe’s and Bilt signifies more than just a retail collaboration; it represents a forward-thinking strategy to embed brands within the fabric of consumers’ lives, particularly concerning the significant and ongoing investment of homeownership. By leveraging AI and sophisticated loyalty mechanisms, both companies are poised to redefine customer engagement and unlock new avenues for growth in an increasingly competitive market.