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2019

Best Retail Store Credit Cards

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Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Is a retail store credit card right for you? Here’s a basic rule that applies to all store credit cards: If you really like Store X, you might get value from the Store X Credit Card. But maybe not. Check out our card picks to learn more.

Best Retail Store Credit Cards
Brendan Harkness

By Brendan Harkness

Our Selection Criteria

Store cards are relatively easy to get, but that doesn’t mean you should apply for them whenever you see an offer. Like other credit cards, they’re powerful financial tools that could have significant effects on your finances and your credit.

Consider the following points before applying.

  • Fits your lifestyle: It should offer rewards and benefits with a merchant where you frequently shop.
  • Spending rewards: The best store credit cards provide rewards every time you make a purchase, rather than just giving you a one-time discount.
  • A relatively good offer: Does it offer more points or cash back rewards than you can get with a general-use rewards or cash back card?
  • Valuable extra benefits: The better store cards offer merchant-specific benefits that shoppers will find useful over and over again, like free clothing alterations.
  • Good customer support: Many store cards are known for having poor customer service, but some, like cards from the major issuers, are generally better than others.
  • Easy way to build credit: Since store cards generally have lower credit requirements, you can use them to improve your credit if you can’t qualify for better cards.

A store card might be a good fit if you consistently spend a lot of money with a particular store — as long as the card offer is relatively good, of course.

When used responsibly, store cards will let you earn rewards, take advantage of benefits, and build your credit at the same time. Just be sure to never carry a balance and make all your monthly payments on time.

Is a Retail Store Card Right for You?
Best Retail Store Credit Cards
Brendan Harkness

By Brendan Harkness

Is a Retail Store Card Right for You?

Some merchants provide their own co-branded store credit cards to entice shoppers with discounts when checking out, or with offers to pay over time. These cards are often instant approval, so you can use them immediately for that purchase. It can be tempting to save a few bucks, but are these cards really worth it?

Pros of Store Credit Cards

  • Easy to get for people with poor or average credit scores, making them a decent option for building or rebuilding credit
  • May provide the most value for shopping with the co-branded merchant, compared to other credit cards
  • May offer unique perks or financing options with that merchant
  • Open-loop cards can be used anywhere

Cons of Store Credit Cards

  • Low credit limits
  • High interest rates
  • Poor customer support in some cases, especially for cards issued by Synchrony Bank and Comenity Bank
  • Deferred-interest financing offers can end up costing you money if you don’t follow the terms (they’re different from most 0% intro APR offers)
  • Closed-loop cards are limited to that single store
  • The checkout lane is not a good place to make significant financial decisions that will affect your credit
Our Selection Criteria
BEST PICK FOR

Online Purchases

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 16.49%–24.49% Variable
Apply Now

securely on the issuer's website

The Amazon Prime Rewards Visa Signature Card (Review) is an easy way to get 5% back for everything you buy on Amazon. Since Amazon has one of the broadest product ranges of any marketplace ever, this is probably the most versatile store card you can get.

It has no annual fee but requires an Amazon Prime membership, which currently costs $119 per year ($59 for an Amazon Prime Student membership). There are also a few interesting features you won’t usually get with store cards.

  • 5% cash back at:
    • Amazon.com
    • Whole Foods
  • 2% cash back at:
    • Restaurants
    • Gas stations
    • Drug stores
  • 1% cash back on all other purchases
  • $70 Amazon.com Gift Card as soon as you’re approved for the card
  • Visa Signature Luxury Hotel Collection: Perks at over 900 hotels around the world, like automatic room upgrades and complimentary WiFi.
  • Concierge Service: Call for non-emergency assistance at any time, like travel planning or making reservations.
  • Shopping and Travel Protections: Including Travel Accident Insurance, Lost Luggage Reimbursement, and Purchase Protection.
  • No foreign transaction fees (rare for a store card)
  • Annual fee: $0 (must have an Amazon Prime membership)
  • Issued by Chase: Chase is a major credit card issuer with relatively good customer support.
  • Open-loop card
BEST PICK FOR

Everyday Spending

Target REDcard™ Credit Card

Target REDcard™ Credit Card

Our rating
Credit range Fair
Details
Annual Fee $0
Regular APR 25.15% Variable
Apply Now

securely on the issuer's website

The Target REDcard™ Credit Card (Review) is a good card for everyday spending, as Target carries a little bit of almost everything. But take note that certain products and services won’t be eligible for the 5% back.

This is a closed-loop card, and you can only use it at Target or Target.com.

  • 5% back at:
    • Target
    • Target.com

That 5% back also applies to Starbucks stores in Targets, which is a pretty good deal for Starbucks compared to other cards.

Take note that the 5% back does not apply to several types of purchases:

  • Prescriptions and over-the-counter items
  • Target Optical eye exams and other clinic services
  • Target gift cards and prepaid cards
  • Certain restaurant purchases within Targets
  • Gift wrap
  • Shipping and handling charges from Target.com
  • Wireless protection programs
  • 10% Off Coupon: Every year on your cardmember anniversary.
  • Free shipping: For eligible items at Target.com
  • Extra time to decide: 30 extra days for returns
  • Early access: To special events, products, and promotions
  • Exclusive offers: Cardholders get access to exclusive deals and special items.
  • Stack discounts: The 5% cash back can be combined with other Cartwheel and Target Subscription discounts.
  • Annual fee: $0
  • Issued by TD Bank: We don’t have much information about TD Bank, but we haven’t heard any complaints about the Target REDCard.
  • Closed-loop card
BEST PICK FOR

Wholesale Club Purchases

Costco Anywhere Visa<sup>®</sup> Card by Citi

Costco Anywhere Visa® Card by Citi

Our rating
Credit range Fair
Details
Annual Fee $0
Regular APR 16.74% (Variable)

If you’re already shopping at Costco you should definitely consider getting the Costco Anywhere Visa® Card by Citi (Review). You’ll need a Costco membership to apply for this card.

It provides 2% back at Costco, which is not too bad but not exceptional either. There are also some other bonus categories that make this card pretty useful for several different types of purchases. This is actually one of the better cards for earning rewards on gas.

  • 4% cash back on eligible Gas worldwide, including gas at Costco; up to $7,000 per year (then 1%)
  • 3% cash back for:
    • Restaurants
    • Travel
  • 2% cash back on all other purchases from:
    • Costco
    • Costco.com
  • 1% cash back on all other purchases
  • Just pay with the Costco Visa: Your credit card will be counted as your membership card when making Costco purchases.
  • Shopping Protections: Like Purchase Protection and Extended Warranties.
  • Annual fee: $0
  • Issued by Citi: Citi is a major credit card issuer with relatively good customer support.
  • Open-loop card

Using Retail Store Cards

Many store cards are limited in some ways, like where you can use them or how you can redeem rewards. And they typically have worse terms than the normal rewards cards you can get from big banks.

There are two basic types of store credit card, which are sometimes referred to as:

  • Open-loop cards: These cards can be used anywhere, and have the Visa or Mastercard logo in the bottom-right (sometimes American Express or Discover).
  • Closed-loop cards: These cards can only be used with the co-branded merchant, and sometimes with its affiliates. There is no Visa or Mastercard logo.

Open-loop cards are obviously more useful, because you can use them anywhere credit cards are accepted. But you might still find a closed-loop card useful if it has some features that you value highly.

Store credit cards are pretty much like any regular credit card, except for the open-loop and closed-loop distinction. You can usually apply for them either in-store or online. You don’t always need excellent credit scores— on the contrary, many store cards are attainable for people with average or even poor credit scores.

Retail store credit cards are actually a fairly good option for building your credit scores if you’re a huge fan of a certain store. But you should consider other options if you’re planning to carry a balance, as their interest rates can get pretty high.

If your card doesn’t provide good rewards at a particular store and you don’t have the store’s co-branded card, you may still be able to earn decent rewards in a less direct way. Use a credit card at a different store to buy a gift card for that first store, earning rewards on the gift card purchase instead. Then you can use that gift card to shop at the first store. But watch out, because some cards have terms that prevent you from earning rewards on gift cards.

Best Store Card Categories

There are hundreds of retail cards, and we’ve only listed our best card picks for certain categories. If your favorite store isn’t listed below, it might still offer a credit card — check out its website or call to find out.

Here’s a big collection of store credit cards issued by Comenity, for example. And here’s another collection of store cards issues by Synchrony.

Some merchants offer a wide variety of items, and so their store cards are good for spending in more than one category. Those cards will show up multiple times in the lists below.

Best for General Shopping

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR16.49%–24.49% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back at Amazon.com and Whole Foods
  • 2% cash back at Restaurants, Gas stations, and Drug stores
  • Visa Signature Luxury Hotel Collection
  • Visa Signature Concierge service
  • Annual fee: $0 (Amazon membership required)
  • Open-loop card

Read more in our Review of the Amazon Rewards Visa Signature and Amazon Prime Rewards Visa Signature

Target REDcard™ Credit Card

Target REDcard™ Credit Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR25.15% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% back at Target and Target.com
  • 10% Off Coupon on your cardmember anniversary
  • Free standard shipping
  • Get 30 extra days for returns
  • Early access to special events, products, and promotions
  • Exclusive offers for deals and special items
  • Annual fee: $0
  • Closed-loop card

Read more in our Review of the Target REDcard™ Credit Card and Target REDcard™ Debit Card

Costco Anywhere Visa<sup>®</sup> Card by Citi

Costco Anywhere Visa® Card by Citi

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR16.74% (Variable)

Key Features & Terms

  • 4% cash back at Gas stations, including Costco gas stations
  • 3% cash back at Restaurants and Travel
  • 2% cash back at Costco and Costco.com
  • Your credit card is used as your member card
  • Annual fee: $0
  • Open-loop card

Read more in our Review of the Costco Anywhere Visa® and Anywhere Visa® Business Card by Citi

Walmart Rewards Mastercard®

Walmart Rewards Mastercard®

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR17.99%–26.99% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back for using Walmart Pay in stores for the first 12 months
  • 5% cash back on all purchases at Walmart.com
  • 2% cash back on Walmart purchases in stores (after the first 12 months), on restaurants, and on travel
  • Annual fee: $0
  • Open-loop card

Read more in our 2019 Review: Walmart Rewards Card & Walmart Rewards Mastercard — Worth It?

Best for Books

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR16.49%–24.49% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back at Amazon.com and Whole Foods
  • 2% cash back at Restaurants, Gas stations, and Drug stores
  • Visa Signature Luxury Hotel Collection
  • Visa Signature Concierge service
  • Annual fee: $0 (must have an Amazon Prime membership)
  • Open-loop card

Read more in our Review of the Amazon Rewards Visa Signature and Amazon Prime Rewards Visa Signature

Barnes & Noble Mastercard®

Barnes & Noble Mastercard®

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR16.24%–27.24% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back at Barnes & Noble
  • 2% cash back at Restaurants
  • $25 gift card after making your first purchase
  • 12 months of free Barnes & Noble membership
  • Annual fee: $0
  • Open-loop card

Read more in our Review of the Barnes and Noble Mastercard®

Best for Clothing

Express NEXT Credit Card

Express NEXT Credit Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR28.99% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 20X points per dollar at Express (equivalent to 8% cash back)
  • An extra 5% off at select Express stores
  • Monthly bonus point opportunities
  • Birthday gift
  • A-List Express member status after earning 7,500 points in a calendar year
  • Annual fee: $0
  • Closed-loop credit card
American Eagle Outfitters™ Connected Visa® Card

American Eagle Outfitters™ Connected Visa® Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR27.74% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 15X points per dollar spent at American Eagle and Aerie stores (equivalent to 6% cash back)
  • 5X points per dollar on every other purchase
  • 20% off coupon for your birthday
  • Buy 5 jeans, get 1 pair free
  • Buy 5 bras, get 1 free
  • Personal Shopping Day coupon
  • 6 cardholder events each year
  • Annual fee: $0
  • Open-loop card
Gap Visa

Gap Visa

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR28.24% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5X points per dollar spent at Gap and affiliated brands (equivalent to 5% cash back)
  • 20% off your first purchase with the card
  • Bonus point shopping days
  • Birthday gift
  • Special events and exclusive discounts
  • No receipt necessary for returns
  • Gap Silver status after earning 5,000 points in a calendar year
  • Annual fee: $0
  • Open-loop card

You can use the Gap Visa to earn 5X points at Gap, Old Navy, Banana Republic, and Athleta. There are two related cards with very similar features:

Read more in our Review of the GapCard and Gap Visa Credit Card

TJX Rewards® Platinum Mastercard®

TJX Rewards® Platinum Mastercard®

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR29.24% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back at T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post
  • 10% off your first online or in-store purchase
  • Opportunities for free giveaways
  • Annual fee: $0
  • Open-loop card

Read more in our Review of the TJX Rewards Credit Card and the TJX Rewards Platinum Mastercard

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR16.49%–24.49% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back at Amazon.com and Whole Foods
  • 2% cash back at Restaurants, Gas stations, and Drug stores
  • Visa Signature Luxury Hotel Collection
  • Visa Signature Concierge service
  • Annual fee: $0 (must have an Amazon Prime membership)
  • Open-loop card

Read more in our Review of the Amazon Rewards Visa Signature and Amazon Prime Rewards Visa Signature

L.L.Bean Mastercard

L.L.Bean Mastercard

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR15.99%–21.99% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 4% cash back at L.L. Bean
  • 2% cash back at Gas stations and Restaurants
  • Free shipping and return shipping
  • Free monogramming
  • Annual fee: $0
  • Open-loop card

Read more in our Review of the L.L.Bean Mastercard

Forever 21 Credit Card

Key Features & Terms

  • 2X points per dollar at Forever 21 (equivalent to 3.3% cash back)
  • 15% off your first purchase with the card
  • Cardholder-only offers and promotions
  • Double-point events throughout the year
  • $5 birthday coupon for accessories
  • 21% off on April 21st every year, which is Forever 21’s “birthday”
  • Annual fee: $0
  • Closed-loop card
Victoria's Secret Angel Card

Victoria's Secret Angel Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR27.24% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 3X points per dollar spent on bra purchases at Victoria’s Secret (equivalent to 3% cash back)
  • 1X point per dollar spent on everything else at Victoria’s Secret
  • $15 off your first purchase with the card
  • Birthday gift
  • Free standard shipping on purchases that include bras
  • Exclusive access and invitations to events
  • Annual fee: $0
  • Closed-loop card

Read more in our Review of the Victoria's Secret Angel Card

Best for Department Stores

JCPenney Credit Card

JCPenney Credit Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR27.99% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 1X point per dollar at JCPenney (equivalent to 5% cash back)
  • On your first purchase, choose 15% off select items or 5% off select major appliances
  • Exclusive savings days throughout the year
  • Special financing available for qualifying purchases
  • Birthday gift
  • Annual fee: $0
  • Closed-loop card

Read more in our Review of the JCPenney Credit Card

Belk Rewards Credit Card

Belk Rewards Credit Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR25.49% Fixed
Apply Now

securely on the issuer's website

Key Features & Terms

  • 3% cash back at Belk
  • 20% off your purchases for the first day (15% off home products and shoes)
  • $10 in rewards after making your first purchase on the day your account is opened
  • 20 exclusive savings events each year
  • Receipt-free returns
  • Bonus rewards events
  • Cardholder Savings Day of the month
  • Annual fee: $0
  • Closed-loop card
Bloomingdale's American Express® Card

Bloomingdale's American Express® Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR27.49% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 6X points per dollar on cosmetics, fragrances, and shoes at Bloomingdale’s (equivalent to 3% cash back)
  • 4X points per dollar at Gas stations, Supermarkets, and Restaurants
  • 3X points per dollar for other purchases at Bloomingdale’s
  • 25% off on purchases for your first two days with the card, up to $250 in savings
  • Free standard shipping
  • Get a special email offer every month
  • Choose your own Triple Points days
  • Dining Club: For every $100 spent at participating restaurants, get a free entrée and non-alcoholic beverage
  • Annual fee: $0
  • Open-loop card

Neiman Marcus and Bergdorf Goodman Credit Card

Key Features & Terms

  • 2X InCircle points per dollar spent at Neiman Marcus or Bergdorf Goodman (equivalent to 2% cash back)
  • 5,000 bonus InCircle points when you open an account and make a purchase on the same day
  • Bonus point opportunities
  • Invitations to shopping events
  • Annual fee: $0
  • Closed-loop card
Nordstrom Visa Signature Card

Nordstrom Visa Signature Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR13.15%–25.15% Variable at Nordstrom, 17.15%–25.15% Variable Elsewhere
Apply Now

securely on the issuer's website

Key Features & Terms

  • 2X points per dollar at Nordstrom, Nordstrom Rack, and Nordstrom.com (equivalent to 2% cash back)
  • $40 bonus Note for making a purchase with your card on the day you’re approved
  • Spend more to unlock benefits like bonus points and early access to sales
  • Annual fee: $0
  • Open-loop card

Dillard’s Card

Key Features & Terms

  • 2X points per dollar at Dillard’s, Gas stations, and Grocery stores (equivalent to 1.33% cash back or more)
  • Redeem 1,500 points for a $10 Rewards Certificate or a 10% Off Rewards Shopping Pass
  • Exclusive events and offers at Dillard’s
  • Special financing offers for qualifying purchases
  • Annual fee: $0
  • Open-loop card
Kohl's Charge Card

Kohl's Charge Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR27.24% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 1X point per dollar at Kohl’s with the Yes2You rewards program (equivalent to 5% cash back)
  • 30% discount on your first purchase
  • 12 special discount offers every year
  • Spend $600 in a calendar year to become a Most Valued Customer and get additional perks
  • Annual fee: $0
  • Closed-loop card

Read more in our Review of the Kohl's Charge Card

Best for Electronics

My Best Buy® Visa®

My Best Buy® Visa®

Our rating
Credit rangeFair
Details
Annual Fee$0 or $59 (depending on creditworthiness)
Regular APR27.49% Variable (11.90% Fixed for select purchases)
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back at Best Buy (Elite Plus members get 6% cash back)
  • 2% cash back on Dining and at Grocery stores
  • Either 10% cash back for a single purchase or special financing on the day you’re approved
  • 6, 12, 18, or 24-month special financing offers (watch out, as these may be deferred-interest financing offers)
  • Annual fee: $0 or $59 (depending on creditworthiness)
  • Open-loop card

Read more in our Review of the My Best Buy® Credit Card and the My Best Buy® Visa®

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR16.49%–24.49% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back at Amazon.com and Whole Foods
  • 2% cash back at Restaurants, Gas stations, and Drug stores
  • Visa Signature Luxury Hotel Collection
  • Visa Signature Concierge service
  • Annual fee: $0 (Amazon membership required)
  • Open-loop card

Read more in our Review of the Amazon Rewards Visa Signature and Amazon Prime Rewards Visa Signature

Target REDcard™ Credit Card

Target REDcard™ Credit Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR25.15% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% back at Target and Target.com
  • 10% Off Coupon on your cardmember anniversary
  • Free standard shipping
  • Get 30 extra days for returns
  • Early access to special events, products, and promotions
  • Exclusive offers for deals and special items
  • Annual fee: $0
  • Closed-loop card

Read more in our Review of the Target REDcard™ Credit Card and Target REDcard™ Debit Card

Walmart Rewards Mastercard®

Walmart Rewards Mastercard®

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR17.99%–26.99% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back for using Walmart Pay in stores for the first 12 months
  • 5% cash back on all purchases at Walmart.com
  • 2% cash back on Walmart purchases in stores (after the first 12 months), on restaurants, and on travel
  • Annual fee: $0
  • Open-loop card

Read more in our 2019 Review: Walmart Rewards Card & Walmart Rewards Mastercard — Worth It?

Apple Card

Apple Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR

Key Features & Terms

  • 3% cash back at Apple, iTunes, App Store, and Uber/Uber Eats (when using Apple Pay)
  • 2% cash back every time you use Apple Pay
  • Annual fee: $0
  • Open-loop card

Best for Furniture

Pottery Barn Credit Card

Pottery Barn Credit Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR29.24% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 10% cash back for Pottery Barn purchases
  • Double reward opportunities throughout the year
  • Exclusive events and offers
  • Purchases over $750 are eligible for special financing
  • Annual fee: $0
  • Closed-loop card
Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR16.49%–24.49% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back at Amazon.com and Whole Foods
  • 2% cash back at Restaurants, Gas stations, and Drug stores
  • Visa Signature Luxury Hotel Collection
  • Visa Signature Concierge service
  • Annual fee: $0 (Amazon membership required)
  • Open-loop card

Read more in our Review of the Amazon Rewards Visa Signature and Amazon Prime Rewards Visa Signature

Best for Groceries

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR16.49%–24.49% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back at Amazon.com and Whole Foods
  • 2% cash back at Restaurants, Gas stations, and Drug stores
  • Visa Signature Luxury Hotel Collection
  • Visa Signature Concierge service
  • Annual fee: $0 (Amazon membership required)
  • Open-loop card

Read more in our Review of the Amazon Rewards Visa Signature and Amazon Prime Rewards Visa Signature

Target REDcard™ Credit Card

Target REDcard™ Credit Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR25.15% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% back at Target and Target.com
  • 10% Off Coupon on your cardmember anniversary
  • Free standard shipping
  • Get 30 extra days for returns
  • Early access to special events, products, and promotions
  • Exclusive offers for deals and special items
  • Annual fee: $0
  • Closed-loop card

Read more in our Review of the Target REDcard™ Credit Card and Target REDcard™ Debit Card

Costco Anywhere Visa<sup>®</sup> Card by Citi

Costco Anywhere Visa® Card by Citi

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR16.74% (Variable)

Key Features & Terms

  • 4% cash back at Gas stations, including Costco gas stations
  • 3% cash back at Restaurants and on Travel
  • 2% cash back at Costco and Costco.com
  • Your credit card is used as your member card
  • Annual fee: $0
  • Open-loop card

Read more in our Review of the Costco Anywhere Visa® and Anywhere Visa® Business Card by Citi

Walmart Rewards Mastercard®

Walmart Rewards Mastercard®

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR17.99%–26.99% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back for using Walmart Pay in stores for the first 12 months
  • 5% cash back on all purchases at Walmart.com
  • 2% cash back on Walmart purchases in stores (after the first 12 months), on restaurants, and on travel
  • Annual fee: $0
  • Open-loop card

Read more in our 2019 Review: Walmart Rewards Card & Walmart Rewards Mastercard — Worth It?

Best for Home Improvement

Lowe’s Advantage Card

Key Features & Terms

  • 5% off purchases at Lowes or 6 months special financing for purchases of $299 or more
  • Special financing available for projects of $2,000 or more
  • Annual fee: $0
  • Closed-loop card
The Home Depot Consumer Credit Card

The Home Depot Consumer Credit Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR17.99%, 21.99%, 25.99%, or 26.99% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • Special financing for purchases of $299 or more
  • Additional exclusive financing offers
  • 1-year hassle-free returns
  • Annual fee: $0
  • Closed-loop card

Read more in our Review of The Home Depot Credit Card

Best for Office Supplies

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR16.49%–24.49% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back at Amazon.com and Whole Foods
  • 2% cash back at Restaurants, Gas stations, and Drug stores
  • Visa Signature Luxury Hotel Collection
  • Visa Signature Concierge service
  • Annual fee: $0 (Amazon membership required)
  • Open-loop card

Read more in our Review of the Amazon Rewards Visa Signature and Amazon Prime Rewards Visa Signature

Staples More Account Credit Card

Key Features & Terms

  • 5% cash back at Staples
  • Save $50 on a purchase of $150 or more, made within 45 days of account opening
  • Free next-day deliveries on orders of $50 or above, with some limitations
  • Special financing offers for purchases of $299 or more
  • Annual fee: $0
  • Closed-loop card
Target REDcard™ Credit Card

Target REDcard™ Credit Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR25.15% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% back at Target and Target.com
  • 10% Off Coupon on your cardmember anniversary
  • Free standard shipping
  • Get 30 extra days for returns
  • Early access to special events, products, and promotions
  • Exclusive offers for deals and special items
  • Annual fee: $0
  • Closed-loop card

Read more in our Review of the Target REDcard™ Credit Card and Target REDcard™ Debit Card

Walmart Rewards Mastercard®

Walmart Rewards Mastercard®

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR17.99%–26.99% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back for using Walmart Pay in stores for the first 12 months
  • 5% cash back on all purchases at Walmart.com
  • 2% cash back on Walmart purchases in stores (after the first 12 months), on restaurants, and on travel
  • Annual fee: $0
  • Open-loop card

Read more in our 2019 Review: Walmart Rewards Card & Walmart Rewards Mastercard — Worth It?

Best for Wholesale Clubs

Costco Anywhere Visa<sup>®</sup> Card by Citi

Costco Anywhere Visa® Card by Citi

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR16.74% (Variable)

Key Features & Terms

  • 4% cash back at Gas stations, including Costco gas stations
  • 3% cash back at Restaurants and on Travel
  • 2% cash back at Costco and Costco.com
  • Your credit card is used as your member card
  • Annual fee: $0
  • Open-loop card

Read more in our Review of the Costco Anywhere Visa® and Anywhere Visa® Business Card by Citi

Sam’s Club® Mastercard®

Sam’s Club® Mastercard®

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR16.65%–24.65% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 5% cash back on Gas, including at Sam’s Club gas stations
  • 3% cash back on Dining and Travel
  • $45 statement credit for spending $45 with the card on your first day (offer ends August 31st, 2018)
  • Doubles as your membership card
  • Annual fee: $0 (Sam’s Club membership required)
  • Open-loop card
BJ’s Perks Plus™ Mastercard

BJ’s Perks Plus™ Mastercard

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR17.24%–27.24% Variable
Apply Now

securely on the issuer's website

Key Features & Terms

  • 10¢ off per gallon at BJ’s gas stations
  • 3% cash back at BJ’s (5% back with a BJ’s Perks Elite membership, an extra $55 per year)
  • 2% cash back at other Gas stations and Restaurants
  • Annual fee: $0 (BJ’s membership required)
  • Closed-loop card
Store credit cards can provide some valuable cash back and benefits, but for the most part they’re only useful at their co-branded stores. For some more flexible card options, offering rewards for a variety of different purchases, check out our picks for the Best Rewards Credit Cards and Best Cash Back Credit Cards.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

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