Best Retail Store Credit Cards
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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.
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.
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
BEST PICK FOR
Online Purchases
Amazon Prime Rewards Visa Signature Card
Details
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
- Requires active Prime membership
- Cash back can be redeemed for statement credits or at Amazon.com checkout
- Earn 5% back at Amazon.com and Whole Foods Market
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
- Get a $70 Amazon.com Gift Card instantly upon credit card approval
BEST PICK FOR
Everyday Spending
Target REDcard™ Credit Card
Details
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
- 5% off every day at Target & Target.com.*
- Free 2 day shipping on hundreds of thousands of items at Target.com.*
- Early Access to products and promotions*
- Exclusive Extras including special items and offers*
- Starbucks discount on in-store locations – get everyday 5% savings when you pay with your REDcard*
- Cartwheel – save 5-50% on hundreds of items in store & get everyday 5% savings when you pay with your REDcard*
- Target Subscriptions – save 5% on everyday essentials delivered on your schedule when you subscribe, plus get everyday 5% savings when you pay with your REDcard*
- Get everyday 5% savings on specialty gift cards when you pay with your REDcard*
- Target Wallet, easy and fast checkout. Use Wallet in the Target app to save with Cartwheel and pay with REDcard by scanning your phone at check out in store.
- *Some restrictions apply. See Target.com/redcard for benefits and program rules
BEST PICK FOR
Wholesale Club Purchases
Costco Anywhere Visa® Card by Citi
Details
securely on the issuer's website
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
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi’s discretion.
The information related to Costco Anywhere Visa® Card by Citi has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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
Details
securely on the issuer's website
- Requires active Prime membership
- Cash back can be redeemed for statement credits or at Amazon.com checkout
- Earn 5% back at Amazon.com and Whole Foods Market
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
- Get a $70 Amazon.com Gift Card instantly upon credit card approval
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
Details
securely on the issuer's website
- 5% off every day at Target & Target.com.*
- Free 2 day shipping on hundreds of thousands of items at Target.com.*
- Early Access to products and promotions*
- Exclusive Extras including special items and offers*
- Starbucks discount on in-store locations – get everyday 5% savings when you pay with your REDcard*
- Cartwheel – save 5-50% on hundreds of items in store & get everyday 5% savings when you pay with your REDcard*
- Target Subscriptions – save 5% on everyday essentials delivered on your schedule when you subscribe, plus get everyday 5% savings when you pay with your REDcard*
- Get everyday 5% savings on specialty gift cards when you pay with your REDcard*
- Target Wallet, easy and fast checkout. Use Wallet in the Target app to save with Cartwheel and pay with REDcard by scanning your phone at check out in store.
- *Some restrictions apply. See Target.com/redcard for benefits and program rules
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® Card by Citi
Details
securely on the issuer's website
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi’s discretion.
The information related to Costco Anywhere Visa® Card by Citi has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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®
Details
securely on the issuer's website
- 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
- Redeem rewards at any time
- No foreign transaction fee
- No annual fee
The information related to Walmart Rewards Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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 2020 Review: Walmart Rewards Card & Walmart Rewards Mastercard — Worth It?
Best for Books
Amazon Prime Rewards Visa Signature Card
Details
securely on the issuer's website
- Requires active Prime membership
- Cash back can be redeemed for statement credits or at Amazon.com checkout
- Earn 5% back at Amazon.com and Whole Foods Market
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
- Get a $70 Amazon.com Gift Card instantly upon credit card approval
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®
Details
securely on the issuer's website
- Get 5% back at Barnes & Noble
- Get 2X points for purchases at restaurants, and 1X point for all other purchases
- 0% intro balance transfer rate for 15 months (as long as you make the transfer within the first 45 days), then your rate will be 16.24%–27.24% Variable
- Earn a $25 B&N gift card after your first purchase
- 12 months of Barnes & Noble membership after spending $7,500/year on eligible purchases
- Every time you reach 2,500 points, you’ll automatically receive a $25 B&N gift card
- No annual fee
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
Details
securely on the issuer's website
- Earn 20 points for every $1 spent at Express, both in-store and online
- 20% off your first purchase
- $10 reward certificate for 2,500 points
- Complimentary birthday gift
- Upgrade to A-List status for better benefits by earning 7,500 points
- No annual fee
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
Details
securely on the issuer's website
- 2,500 points = $10 coupon you can use at participating stores
- 15X points per dollar for all purchases at American Eagle or Aerie
- 5X points per dollar for all purchases everywhere else
- 20% off birthday coupon
- Personal shopping day coupon
- Buy 5 jeans or bras and get 1 free
- Free standard shipping
- No annual fee
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
securely on the issuer's website
- Earn 5X points per dollar spent on the Gap and affiliated brands, both in-store and online
- Earn 1X point per dollar spent on all other purchases
- 20% off your first Gap purchase using your card
- 10% off every time you shop at the Gap
- Earn a $5 reward every time you earn 500 points
- 20% quarterly bonus reward points at the end of each quarter if you earn 5,000 points in a calendar year and achieve Silver status cardmembers
- Free basic alterations at Banana Republic and for Gap Silver cardmembers
- No receipt needed for returns
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®
Details
securely on the issuer's website
- Earn 5X points per dollar spent at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post
- Earn 1X point per dollar spent on all purchases
- 10% off your first purchase in-store
- Be the first to hear when fresh finds arrive through your email
- There is no limit to the amount of rewards you can earn
- $10 rewards certificate: redeem 1,000 points for a $10 rewards certificate
- No annual or foreign transaction fees
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
Details
securely on the issuer's website
- Requires active Prime membership
- Cash back can be redeemed for statement credits or at Amazon.com checkout
- Earn 5% back at Amazon.com and Whole Foods Market
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
- Get a $70 Amazon.com Gift Card instantly upon credit card approval
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
Details
securely on the issuer's website
- 4% cash back at L.L.Bean stores
- 2% cash back at gas stations and restaurants
- 1% cash back everywhere else you shop
- Free shipping, and free return shipping
- Free monogramming
- Cardmember-exclusive offers and discounts
- No annual fee
The information related to L.L.Bean Mastercard has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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
Details
securely on the issuer's website
- Earn 3X points per dollar on bra purchases at Victoria’s Secret
- Earn 1X point per dollar on all other Victoria’s Secret purchases
- Special triple points days each month
- Double points for making an in-store card payment while making a purchase (once per month)
- Free standard shipping on purchases that include bras
- Earn higher Angel status for more valuable rewards and benefits
- No annual fee
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
securely on the issuer's website
- Earn $10 at JCPenney for every 200 points you earn
- 15% or 5% off select purchases on the day you open your card
- 1 point per $1 spent at JCPenney using your card, and 1 point per $2 spent using another form of payment
- Gold status after spending at least $500 in a year
- Platinum status after spending at least $100 in a year
- $10 or $15 birthday gift each year on your birthday
- Free shipping from JCPenney.com with Platinum status
- Earn up to 2,000 points on a single purchase
- No annual fee
- High APR of 27.99%
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
securely on the issuer's website
- 3X points per dollar spent at Belk
- 20% off all purchases the day of approval (except 15% off home/shoes purchases)
- $10 in Belk Rewards Dollars when you make a purchase on the day of approval
- Exclusive savings days throughout the year
- Extra Points days throughout the year
- Returns don’t need a receipt
- No annual fee
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
Details
securely on the issuer's website
- 6X points per dollar spent on cosmetics and fragrance, and shoes in-store and at bloomingdales.com
- 3X points per dollar spent on all other items purchased in-store and at bloomingdales.com
- 3X points per dollar spent on purchases everywhere else
- $25 reward card for every 5,000 points
- Double, triple, and power points offers during special events
- Choose two of your own triple point days
- Perk of the month: Get a special offer emailed to you each month
- 75% of points are forfeited on Dec 31 of each year
- Free entrée and non-alcoholic beverage for every $100 you spend with your card at Bloomingdale’s restaurants
- Free shipping everyday
- No annual fee
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
Details
securely on the issuer's website
- 3X points per dollar spent in stores or online at Nordstrom, Nordstrom Rack, HauteLook and Trunk Club
- 2X points per dollar on dining, entertainment and travel
- 1X point per dollar everywhere else Visa is accepted
- Free basic alterations on regular-priced items at Nordstrom and Trunk Club that are reimbursed with Nordstrom Notes
- $20 note to spend every time you earn 2,000 points
- $40 bonus note when you make a purchase in-store or online with your card on the day you’re approved
- Get special access to the Clear the Rack sale and get 25% off red-tag clearance items
- Instant insider status in the Nordy Club
- Buy online and wait in your car with Curbside Pickup
- Schedule a personal double points day when you choose and get 2X points on your net purchase in-store or online
- Access to Beauty & Style workshops
- No annual fee
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
securely on the issuer's website
- 15% discount arrives in the mail with your new card
- 35% discount on your first purchase in-store or online
- 12 special discounts of 30%, 20% or 15% every year
- Most Valued Customer (MVC): Spend $600 in 12 months and receive MVC status, which offers 18 exclusive discounts annually
The information related to Kohl's Charge Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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®
Details
securely on the issuer's website
- 5% back in rewards at Best Buy OR deferred financing on purchases of $199 and higher.
- 3% back in rewards at gas stations, grocery stores (through December 2018), and home furnishing stores (through December 2018)
- 2% back in rewards at restaurants
- 1% back in rewards on all other purchases
- Points don’t expire as long as your account is active
- Spend $3,500 per year to reach Elite Plus status and earn 1.25 points per $1 spent at Best Buy
- Reward Certificates are emailed when you reach 250 points
- Choose between rewards or special financing offers
- Annual fee of $0 or $59, depending on creditworthiness
The information related to My Best Buy® Visa® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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
Details
securely on the issuer's website
- Requires active Prime membership
- Cash back can be redeemed for statement credits or at Amazon.com checkout
- Earn 5% back at Amazon.com and Whole Foods Market
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
- Get a $70 Amazon.com Gift Card instantly upon credit card approval
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
Details
securely on the issuer's website
- 5% off every day at Target & Target.com.*
- Free 2 day shipping on hundreds of thousands of items at Target.com.*
- Early Access to products and promotions*
- Exclusive Extras including special items and offers*
- Starbucks discount on in-store locations – get everyday 5% savings when you pay with your REDcard*
- Cartwheel – save 5-50% on hundreds of items in store & get everyday 5% savings when you pay with your REDcard*
- Target Subscriptions – save 5% on everyday essentials delivered on your schedule when you subscribe, plus get everyday 5% savings when you pay with your REDcard*
- Get everyday 5% savings on specialty gift cards when you pay with your REDcard*
- Target Wallet, easy and fast checkout. Use Wallet in the Target app to save with Cartwheel and pay with REDcard by scanning your phone at check out in store.
- *Some restrictions apply. See Target.com/redcard for benefits and program rules
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®
Details
securely on the issuer's website
- 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
- Redeem rewards at any time
- No foreign transaction fee
- No annual fee
The information related to Walmart Rewards Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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 2020 Review: Walmart Rewards Card & Walmart Rewards Mastercard — Worth It?
securely on the issuer's website
- 3% cash back at Apple, iTunes, and the App Store
- 3% cash back with Uber/Uber Eats when paying with Apple Pay
- 2% cash back every time you use Apple Pay
- No annual fee
- Managed through the iPhone Wallet app
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
Details
securely on the issuer's website
- Choose from 12 months special financing for purchases of $750 or choose 10% back in rewards
- Manage your account online
- Use card at Pottery Barn, Pottery Barn Kids, or PBTeen Store
- Double reward opportunities offered throughout the year
- No annual fee
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
Details
securely on the issuer's website
- Requires active Prime membership
- Cash back can be redeemed for statement credits or at Amazon.com checkout
- Earn 5% back at Amazon.com and Whole Foods Market
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
- Get a $70 Amazon.com Gift Card instantly upon credit card approval
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
Details
securely on the issuer's website
- Requires active Prime membership
- Cash back can be redeemed for statement credits or at Amazon.com checkout
- Earn 5% back at Amazon.com and Whole Foods Market
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
- Get a $70 Amazon.com Gift Card instantly upon credit card approval
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
Details
securely on the issuer's website
- 5% off every day at Target & Target.com.*
- Free 2 day shipping on hundreds of thousands of items at Target.com.*
- Early Access to products and promotions*
- Exclusive Extras including special items and offers*
- Starbucks discount on in-store locations – get everyday 5% savings when you pay with your REDcard*
- Cartwheel – save 5-50% on hundreds of items in store & get everyday 5% savings when you pay with your REDcard*
- Target Subscriptions – save 5% on everyday essentials delivered on your schedule when you subscribe, plus get everyday 5% savings when you pay with your REDcard*
- Get everyday 5% savings on specialty gift cards when you pay with your REDcard*
- Target Wallet, easy and fast checkout. Use Wallet in the Target app to save with Cartwheel and pay with REDcard by scanning your phone at check out in store.
- *Some restrictions apply. See Target.com/redcard for benefits and program rules
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® Card by Citi
Details
securely on the issuer's website
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi’s discretion.
The information related to Costco Anywhere Visa® Card by Citi has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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®
Details
securely on the issuer's website
- 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
- Redeem rewards at any time
- No foreign transaction fee
- No annual fee
The information related to Walmart Rewards Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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 2020 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
Details
securely on the issuer's website
- 1-Year hassle-free returns
- 6 months deferred interest financing on purchases of $299 or more and up to 24 months financing during special promotions
- Zero liability protections
The information related to The Home Depot Consumer Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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
Details
securely on the issuer's website
- Requires active Prime membership
- Cash back can be redeemed for statement credits or at Amazon.com checkout
- Earn 5% back at Amazon.com and Whole Foods Market
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
- Get a $70 Amazon.com Gift Card instantly upon credit card approval
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
Details
securely on the issuer's website
- 5% off every day at Target & Target.com.*
- Free 2 day shipping on hundreds of thousands of items at Target.com.*
- Early Access to products and promotions*
- Exclusive Extras including special items and offers*
- Starbucks discount on in-store locations – get everyday 5% savings when you pay with your REDcard*
- Cartwheel – save 5-50% on hundreds of items in store & get everyday 5% savings when you pay with your REDcard*
- Target Subscriptions – save 5% on everyday essentials delivered on your schedule when you subscribe, plus get everyday 5% savings when you pay with your REDcard*
- Get everyday 5% savings on specialty gift cards when you pay with your REDcard*
- Target Wallet, easy and fast checkout. Use Wallet in the Target app to save with Cartwheel and pay with REDcard by scanning your phone at check out in store.
- *Some restrictions apply. See Target.com/redcard for benefits and program rules
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®
Details
securely on the issuer's website
- 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
- Redeem rewards at any time
- No foreign transaction fee
- No annual fee
The information related to Walmart Rewards Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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 2020 Review: Walmart Rewards Card & Walmart Rewards Mastercard — Worth It?
Best for Wholesale Clubs
Costco Anywhere Visa® Card by Citi
Details
securely on the issuer's website
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi’s discretion.
The information related to Costco Anywhere Visa® Card by Citi has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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®
Details
securely on the issuer's website
- 5% cash back for gas in the U.S. and Puerto Rico, including gas at Sam’s Club; only on the first $6,000 per year, then 1%
- 3% cash back for dining and travel expenses
- 1% cash back on all other purchases
- Get a $45 statement credit if you open your account online and make a $45 purchase at samsclub.com on the same day
- Cap of $5,000 in cash back rewards per year
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
Details
securely on the issuer's website
- Earn 3% cash back on purchases made at BJ’s and BJs.com
- Earn 2% cash back on Gas and Dining outside of BJ’s locations
- Earn 1% cash back on all other purchases
- 10¢ off every gallon when buying fuel at BJ’s; purchases made at BJ’s Gas accrue rewards
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.
The information related to Costco Anywhere Visa® Card by Citi, Walmart Rewards Mastercard®, L.L.Bean Mastercard, Kohl's Charge Card, My Best Buy® Visa®, and The Home Depot Consumer Credit Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
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