Lowe’s and Bilt Partner to Integrate Loyalty Rewards and Launch AI-Powered Neighborhood OS Integration

Lowe’s Companies Inc. has officially announced a strategic partnership with the housing rewards platform Bilt, a move designed to significantly expand the home improvement retailer’s loyalty reach and tap into a rapidly growing demographic of digital-first homeowners. Announced on November 10, the alliance designates Lowe’s as Bilt’s exclusive home improvement partner, instantly connecting the retail giant to Bilt’s base of more than 8 million members. The collaboration merges two robust consumer ecosystems, enabling members to earn combined rewards, purchase specialized home maintenance subscriptions, and access a curated Lowe’s marketplace slated to debut within the Bilt application in early 2027.

The partnership operates on Bilt’s newly unveiled Neighborhood OS, an artificial intelligence-driven commerce platform engineered to connect businesses with nearby consumers through hyper-personalized offers and streamlined loyalty benefits. By integrating into this infrastructure, Lowe’s aims to capture high-intent local home improvement spending. According to Jen Wilson, Lowe’s executive vice president and chief marketing officer, the collaboration allows the brand to meet customers within an established community ecosystem. "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," Wilson stated in the official corporate announcement.

Strategic Mechanics of the Lowe’s and Bilt Rewards Integration

Under the terms of the agreement, Bilt members can seamlessly link their existing MyLowe’s Rewards accounts—or establish new ones directly through the interface—to unlock a dual-earning structure. Members earn one Bilt Point per dollar spent on eligible purchases at Lowe’s, alongside accumulating MyLowe’s Money. The foundational benefits of the MyLowe’s Rewards program, such as free shipping thresholds and exclusive member-only pricing deals, remain fully integrated into the consumer experience.

Furthermore, the partnership provides members with flexible payment pathways for specialized home maintenance services. Bilt members can utilize accumulated Bilt Points, Bilt Cash, or a linked payment card to purchase the Lowe’s HomeCare+ subscription. Priced at $99 annually, this subscription includes two comprehensive in-home visits by trained Lowe’s associates covering up to seven distinct maintenance services. Subscribers also receive a 5% discount on products utilized during these service visits, alongside automatic upgrades to Gold-tier MyLowe’s Rewards benefits.

The administration of this service is handled directly through Bilt’s Neighborhood OS, which manages enrollment, verifies service availability based on the member’s specific ZIP code, and processes recurring annual payments. Comprehensive account-matching capabilities between Bilt and MyLowe’s Rewards are scheduled to roll out in December, tightening the operational synergy between the two platforms.

The Role of Bilt Neighborhood OS and Artificial Intelligence Agents

Bilt’s Neighborhood OS functions as an advanced middleware layer that connects directly with a business’s legacy payment gateways, reservation software, and customer relationship management (CRM) systems. This architecture empowers merchants to target nearby shoppers with precision-tailored promotional offers, accurately recognize returning customers, and attribute specific retail sales directly to targeted digital campaigns.

The platform relies heavily on autonomous artificial intelligence agents designed to execute routine operational tasks without human intervention. These AI agents handle automated customer communications, appointment reservations, and localized marketing campaigns across interconnected systems. Demonstrating the scalability of this technology, Bilt reported that in the 30-day window preceding the partnership announcement, its AI agents successfully executed more than 2 million operational actions across over 29,000 participating businesses, with an impressive 91% completion rate requiring zero human oversight.

Launched initially as a rent-payment rewards platform in 2021, Bilt has aggressively diversified its service offerings. Over a short multi-year timeline, the company has expanded its ecosystem to encompass mortgage payment rewards, local retail shopping, travel booking incentives, and home services marketplaces. Bilt estimates that approximately $6.6 trillion in annual retail and food-services spending in the United States occurs in physical, in-person settings. Over the twelve months preceding the Lowe’s announcement, Bilt members generated more than $12 billion in rewarded commerce at local, neighborhood-level businesses.

Consumer Behavior, Loyalty Metrics, and Market Research

The partnership arrives as retailers increasingly look to loyalty programs as primary drivers of customer lifetime value and recurring revenue. Lowe’s brings a formidable loyalty infrastructure to the table; its MyLowe’s Rewards program boasts over 30 million active members. Data published in Lowe’s 2025 annual report underscores the commercial power of this database, noting that program members shop twice as frequently and spend over 50% more annually compared to non-members.

To gauge the potential consumer reception of localized rewards, Bilt commissioned a comprehensive study titled the State of the Neighborhood 2026. Conducted by 451 Research by S&P Global, the survey polled 6,591 U.S. adults between March and April 2026. The findings revealed a pronounced consumer willingness to alter shopping habits based on loyalty incentives: 95% of respondents indicated they would try a local business at least once if they could earn points or rewards, while 87% stated they would increase their shopping frequency at local merchants offering such perks.

The study also highlighted the localized nature of everyday consumer expenditures. Two-thirds of surveyed Americans reported that at least 80% of their daily spending occurs within their immediate neighborhoods, with the median consumer restricting their shopping radius to within 15 miles of their primary residence. This localized spending concentration validates the strategic design of Bilt’s Neighborhood OS, which targets consumers based on proximity and real-world geographic behavior.

Broadening the Ecosystem: Partnerships Across Retail and Technology

Lowe’s is just one of several high-profile enterprise partners integrating into Bilt’s expanding commerce network. The platform has forged strategic alliances across multiple sectors of retail, technology, and financial services to build a comprehensive lifestyle ecosystem.

Prominent additions to the Bilt network include the home-services marketplace Thumbtack, which will connect Bilt members directly with vetted professionals for home maintenance, remodeling, and repair projects. Additionally, Bilt has partnered with Meta to support small-business owners starting in 2027, leveraging social commerce channels to drive localized engagement.

On the financial and point-of-sale technology front, Bilt is collaborating with major payment processors and hardware providers—including Adyen, Verifone, Shift4, and Clover from Fiserv—to ensure merchants can effortlessly integrate Neighborhood OS into their existing checkout infrastructure. Similar integrations with digital commerce platforms like Grubhub and OpenTable allow for cross-vertical rewards redemption. Furthermore, Bilt maintains a strategic relationship with Mastercard to explore enhanced cardholder benefits and exclusive lifestyle experiences at participating merchant locations.

Implications and Industry Outlook

For Lowe’s—which ranks No. 9 in Digital Commerce 360’s Top 1000 Database tracking North America’s largest online retailers by annual ecommerce sales, and No. 90 in the AI Commerce Rankings—this partnership represents a significant step forward in omnichannel personalization. By embedding its brand directly into a tech-forward rental and housing rewards platform, Lowe’s bypasses traditional customer acquisition funnels, positioning itself directly in front of millions of homeowners and renters preparing to transition into homeownership.

As Neighborhood OS rolls out nationwide through a phased technological integration schedule spanning into 2027, the success of the Lowe’s and Bilt partnership will serve as a crucial bellwether for the future of AI-driven, hyper-localized retail loyalty programs. By uniting major home improvement retail with automated neighborhood commerce, both companies are betting that convenience, predictive artificial intelligence, and cross-platform reward structures will fundamentally redefine how modern consumers maintain and invest in their living spaces.