menu
HomeCredit CardStore Credit CardsTop 10 Store Credit Cards

Top 10 Store Credit Cards

Store credit cards are specialized credit cards issued by retail companies that can typically be used only at their specific stores or affiliated brands. These cards often come with perks such as discounts, special financing options, and exclusive offers for cardholders.

Advertisement

While store credit cards can be appealing due to the immediate benefits they offer, such as sign-up discounts and loyalty rewards, they come with several considerations. Interest rates on store credit cards are often higher compared to general-purpose credit cards, which can lead to significant interest charges if the balance is not paid in full each month. Additionally, their limited usability means they don't offer the same flexibility as traditional credit cards, which can be used at a wider range of merchants. It's also important to consider that opening multiple store credit cards can impact your credit score by increasing your total available credit and potentially leading to higher overall debt. Therefore, it's crucial to weigh the benefits and drawbacks carefully before committing to a store credit card.

  • Amazon Prime Rewards Visa Signature Card
    Amazon Prime Rewards Visa Signature Card

    Amazon Prime Rewards Visa Signature Card - Cashback on Amazon purchases, no annual fee.

    View All
  • Target RedCard
    Target RedCard

    Target RedCard - Target RedCard provides discounts and rewards at Target stores.

    View All
  • Walmart Rewards Card
    Walmart Rewards Card

    Walmart Rewards Card - A credit card offering cashback on Walmart purchases.

    View All
  • Lowe’s Advantage Card
    Lowe’s Advantage Card

    Lowe’s Advantage Card - Lowe's Advantage Card offers special financing options and discounts.

    View All
  • Best Buy Citi Credit Card
    Best Buy Citi Credit Card

    Best Buy Citi Credit Card - Rewards on Best Buy purchases, flexible financing options.

    View All
  • Macy’s American Express Card
    Macy’s American Express Card

    Macy’s American Express Card - Macy's American Express Card: Rewards, discounts, and special financing.

    View All
  • Kohl’s Charge Card
    Kohl’s Charge Card

    Kohl’s Charge Card - Kohl's Charge Card offers store-specific credit benefits and discounts.

    View All
  • TJX Rewards Credit Card
    TJX Rewards Credit Card

    TJX Rewards Credit Card - TJX Rewards Credit Card: Earn rewards for TJX store purchases.

    View All
  • Gap Good Rewards Mastercard
    Gap Good Rewards Mastercard

    Gap Good Rewards Mastercard - Gap Good Rewards Mastercard: Earn rewards on Gap Inc. purchases.

    View All

Top 10 Store Credit Cards

1.

Amazon Prime Rewards Visa Signature Card

less
The Amazon Prime Rewards Visa Signature Card is a credit card offering 5% back on Amazon.com and Whole Foods Market purchases for Amazon Prime members, 2% back at restaurants, gas stations, and drugstores, and 1% on all other purchases. It has no annual fee beyond Prime membership costs and includes benefits like no foreign transaction fees, travel and purchase protections, and access to Visa Signature perks. It's ideal for frequent Amazon shoppers seeking to maximize rewards.

Pros

  • pros 5% cashback at Amazon
  • pros No annual fee
  • pros 2% cashback at restaurants
  • pros Travel benefits
  • pros Purchase protection

Cons

  • cons Requires Amazon Prime membership
  • cons High APR
  • cons Limited high-reward categories
  • cons Foreign transaction fee
  • cons Rewards limited to Amazon purchases
View All

2.

Target RedCard

less
The Target RedCard is a store-branded credit or debit card offering exclusive benefits for shoppers at Target. Cardholders enjoy 5% off purchases, free standard shipping on most items at Target.com, and extended return periods. The RedCard can be either a credit card or a debit card linked directly to a checking account, providing flexibility for different preferences. It also occasionally provides early access to special sales and promotions, enhancing the overall shopping experience at Target.

Pros

  • pros 5% off purchases
  • pros Free shipping
  • pros Extended return period
  • pros Early access to sales
  • pros No annual fee.

Cons

  • consHigh APR
  • cons Limited to Target
  • cons Potential for overspending
  • cons Late payment fees
  • cons Hard credit inquiry.
View All

3.

Walmart Rewards Card

less
The Walmart Rewards Card is a store credit card designed for frequent Walmart shoppers, offering cashback rewards on purchases. Cardholders earn 5% back on Walmart.com and Walmart app purchases, 2% back in Walmart stores and fuel stations, and at restaurants and travel. There are no annual fees, and rewards can be redeemed for statement credits or during online checkout. It's an ideal option for those looking to maximize savings on everyday expenses at Walmart.

Pros

  • pros No annual fee
  • pros 5% back on Walmart.com
  • pros 2% back in-store
  • pros 2% back on travel
  • pros easy online account management.

Cons

  • consHigh APR
  • cons limited rewards outside Walmart
  • cons no welcome bonus
  • cons foreign transaction fees
  • cons rewards redemption restrictions.
View All

4.

Lowe’s Advantage Card

less
The Lowe’s Advantage Card is a store credit card offered by Lowe's, designed for customers seeking special financing options and exclusive savings on home improvement purchases. Cardholders enjoy benefits such as 5% off eligible purchases, special financing on orders over $299, and exclusive cardholder events. Ideal for frequent Lowe's shoppers, the card helps manage project expenses while offering various promotional offers. Note that standard APR rates apply, and terms and conditions should be reviewed before applying.

Pros

  • pros Discounts on purchases
  • pros Special financing offers
  • pros Easy account management online
  • pros Exclusive cardholder events
  • pros No annual fee

Cons

  • consHigh APR
  • cons Limited to Lowe's stores
  • cons Requires good credit
  • cons Deferred interest risk
  • cons Potential for overspending
View All

5.

Best Buy Citi Credit Card

less
The Best Buy Citi Credit Card is a retail credit card offering rewards and financing options for purchases at Best Buy. Cardholders earn points on Best Buy purchases and can choose between flexible financing plans or reward points. The card provides exclusive offers, early access to sales, and special financing on large purchases. It's ideal for frequent Best Buy shoppers looking to maximize their savings and enjoy additional perks. However, it typically has a higher interest rate, so timely payments are crucial.

Pros

  • pros - No annual fee
  • pros - Special financing options
  • pros - Reward points for Best Buy purchases
  • pros - Flexible reward redemption
  • pros - Exclusive discounts and offers.

Cons

  • consHigh APR
  • cons Limited reward categories
  • cons Reward points expire
  • cons Best Buy purchases only
  • cons Requires good credit.
View All

6.

Macy’s American Express Card

less
The Macy’s American Express Card is a versatile store credit card offering rewards for Macy's purchases and everyday spending. Cardholders earn points on every dollar spent, with higher rewards for Macy's purchases. Benefits include exclusive discounts, special offers, and access to American Express perks like travel and dining rewards. Ideal for frequent Macy’s shoppers, it also provides added convenience and security features associated with American Express. Terms and conditions apply.

Pros

  • pros Rewards on Macy's purchases
  • pros Exclusive discounts
  • pros No annual fee
  • pros Flexible payment options
  • pros Special events access.

Cons

  • consHigh APR
  • cons Limited rewards outside Macy's
  • cons Foreign transaction fees
  • cons Potential for overspending
  • cons Requires good credit.
View All

7.

Kohl’s Charge Card

less
The Kohl’s Charge Card is a store-branded credit card that offers exclusive benefits to shoppers at Kohl’s. Cardholders enjoy special discounts, promotional offers, and access to exclusive sales events. The card also provides opportunities to earn Kohl’s Cash, which can be redeemed for future purchases. While it offers enticing perks, it can only be used at Kohl’s stores and online, and it typically comes with a high-interest rate, making timely payments crucial.

Pros

  • pros Discounts on purchases
  • pros exclusive sales events
  • pros Kohl’s Cash rewards
  • pros stackable savings
  • pros frequent promotional offers.

Cons

  • cons High APR
  • cons limited to Kohl’s stores
  • cons potential for overspending
  • cons impacts credit score
  • cons deferred interest promotions.
View All

8.

TJX Rewards Credit Card

less
The TJX Rewards Credit Card, offered by Synchrony Bank, is designed for frequent shoppers at TJX Companies stores, including T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense. Cardholders earn 5 points per dollar spent at these stores, with points redeemable for rewards certificates. Benefits include exclusive shopping events and offers. There's no annual fee, but the card carries a high APR, making it best suited for those who pay their balance in full each month.

Pros

  • pros Rewards at TJX stores
  • pros No annual fee
  • pros Exclusive discounts
  • pros Fraud protection
  • pros Easy approval.

Cons

  • cons High APR
  • cons Limited redemption options
  • cons No intro APR
  • cons Limited acceptance
  • cons Basic rewards program.
View All

9.

Gap Good Rewards Mastercard

less
The Gap Good Rewards Mastercard is a versatile credit card offered by Gap Inc. that allows users to earn points on everyday purchases. Cardholders can earn 5 points for every dollar spent at Gap Inc. brands, including Gap, Old Navy, Banana Republic, and Athleta, and 1 point per dollar at other locations. Points can be redeemed for rewards at these brands, and the card offers additional benefits such as bonus point opportunities, special offers, and no annual fee.

Pros

  • pros Earn points on purchases
  • pros No annual fee
  • pros Exclusive offers
  • pros Accepted worldwide
  • pros Online account management.

Cons

  • consHigh APR
  • cons Limited redemption options
  • cons Potential for overspending
  • cons Requires good credit
  • cons Foreign transaction fees.
View All

Similar Topic You Might Be Interested In