6 Best Store Credit Cards

6 Best Store Credit Cards

Best for Online Shopping
#1
Amazon Rewards Visa Signature Card
  • Offers 5% cash back on all Amazon.com purchases if you're a Prime member; you'll get just 3% back if you're not.
  • You'll also earn 2% back at restaurants, gas stations, and drugstores, and 1% back everywhere else.
  • You won't pay an annual fee or foreign transaction fees. Plus, the card is metal, which is pretty sweet.
Best for Everyday Shopping
#2
Target REDcard
  • You'll save 5% on all your Target and Target.com purchases, with just a few exceptions
  • You can get even more discounts when you use the Target Cartwheel app (up to 50%), and free shipping on Target.com purchases
  • You'll get an extra 30 days to return items purchased with the card
Best for Department Store Shopping
#3
Kohls Charge Card
  • Receive up to 18 special discount offers each year
  • Get access to special Kohl's Charge cardholder savings events
  • Combine discounts, offers, and rewards for mega savings
Best for Clothing Shoppers
#4
Gap Visa® Credit Card
  • Offers 5% back at Gap-brand stores
  • Access to everyday discounts and special deals at Gap stores
  • Qualify with bad or limited credit

Getting a store credit card can be easy, even if you don't have great credit. Also, many of the top store credit cards are generous to their most loyal shoppers. So, if you tend to shop at any of the following stores frequently, getting the retailer's credit card might be worth it. 

But because many store cards can't be used anywhere else, it can be tempting to get one credit card from each of your favorite stores. Also, the discounts they offer you could prompt you to spend money on things you don't need.

Make sure that you can use your new card responsibly before applying for it. In other words, don't make your decision solely on the discounts and perks the card offers.

Lastly, store credit cards also charge super-high interest rates, so you'll want to make sure to pay off your balance in full each month. 

With all of these things in mind, the best store credit cards can be valuable if you use them right. Check out each one to determine what kind of rewards and perks they offer, and to see if any of them are right for you.

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.


Editorial staff

Quick Look: 6 Best Store Credit Cards
Newegg Store Credit Card
  • Offers special 0% financing for up to 36 months
  • You can typically get approved without good credit
  • Charges no annual fee
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Pottery Barn Credit Card
  • Earn 10% back at Pottery Barn branded stores
  • Choose 12-month special financing on transactions greater than $750
  • Get access to special offers and events
Check on
Gap Visa® Credit Card
  • Offers 5% back at Gap-brand stores
  • Access to everyday discounts and special deals at Gap stores
  • Qualify with bad or limited credit
Check on
Kohls Charge Card
  • Receive up to 18 special discount offers each year
  • Get access to special Kohl's Charge cardholder savings events
  • Combine discounts, offers, and rewards for mega savings
Check on
Target REDcard
  • You'll save 5% on all your Target and Target.com purchases, with just a few exceptions
  • You can get even more discounts when you use the Target Cartwheel app (up to 50%), and free shipping on Target.com purchases
  • You'll get an extra 30 days to return items purchased with the card
Check on
Amazon Rewards Visa Signature Card
  • Offers 5% cash back on all Amazon.com purchases if you're a Prime member; you'll get just 3% back if you're not.
  • You'll also earn 2% back at restaurants, gas stations, and drugstores, and 1% back everywhere else.
  • You won't pay an annual fee or foreign transaction fees. Plus, the card is metal, which is pretty sweet.
Check on
6 Best Store Credit Cards

6 Best Store Credit Cards

Read Video Infographic Tips

Getting a store credit card can be easy, even if you don't have great credit. Also, many of the top store credit cards are generous to their most loyal shoppers. So, if you tend to shop at any of the following stores frequently, getting the retailer's credit card might be worth it. 

But because many store cards can't be used anywhere else, it can be tempting to get one credit card from each of your favorite stores. Also, the discounts they offer you could prompt you to spend money on things you don't need.

Make sure that you can use your new card responsibly before applying for it. In other words, don't make your decision solely on the discounts and perks the card offers.

Lastly, store credit cards also charge super-high interest rates, so you'll want to make sure to pay off your balance in full each month. 

With all of these things in mind, the best store credit cards can be valuable if you use them right. Check out each one to determine what kind of rewards and perks they offer, and to see if any of them are right for you.

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.


Editorial staff

Quick Look: 6 Best Store Credit Cards
Newegg Store Credit Card
  • Offers special 0% financing for up to 36 months
  • You can typically get approved without good credit
  • Charges no annual fee
Check on
Pottery Barn Credit Card
  • Earn 10% back at Pottery Barn branded stores
  • Choose 12-month special financing on transactions greater than $750
  • Get access to special offers and events
Check on
Gap Visa® Credit Card
  • Offers 5% back at Gap-brand stores
  • Access to everyday discounts and special deals at Gap stores
  • Qualify with bad or limited credit
Check on
Kohls Charge Card
  • Receive up to 18 special discount offers each year
  • Get access to special Kohl's Charge cardholder savings events
  • Combine discounts, offers, and rewards for mega savings
Check on
Target REDcard
  • You'll save 5% on all your Target and Target.com purchases, with just a few exceptions
  • You can get even more discounts when you use the Target Cartwheel app (up to 50%), and free shipping on Target.com purchases
  • You'll get an extra 30 days to return items purchased with the card
Check on
Amazon Rewards Visa Signature Card
  • Offers 5% cash back on all Amazon.com purchases if you're a Prime member; you'll get just 3% back if you're not.
  • You'll also earn 2% back at restaurants, gas stations, and drugstores, and 1% back everywhere else.
  • You won't pay an annual fee or foreign transaction fees. Plus, the card is metal, which is pretty sweet.
Check on

Best for Electronics

Best for Electronics: Newegg Store Credit Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    29.99%
  • Cash Advance APR
    N/A
  • Rewards Rate
    N/A
  • Intro APR
    0% APR deferred interest financing up to 36 months
  • Annual Fee
    $0
  • Bonus Offers
    N/A

Pros

  • Offers special 0% financing for up to 36 months
  • You can typically get approved without good credit
  • Charges no annual fee

Cons

  • The card doesn't offer rewards of any kind
  • Promotional financing is a deferred interest plan, so you'll be charged interest from the date of the purchase if you don't pay it off in time and the ongoing APR is extremely high
  • It's a closed-loop card, so you can only use it at Newegg

Details

  • Everyday promotional financing offers: 6 months on purchases of $199 to $498.99, 12 months on purchases of $499 or more
  • Extended promotional period financing offers: 18, 24, or 36 months on select items
  • Purchase APR is 29.99%
  • No annual fee

Application process: Online. Apply now and get a decision in seconds.

Annual Fee: None.

APR: 29.99%.

Rewards: The card doesn't offer rewards.

Promotional financing: Everyday promotional financing up to 12 months; special financing up to 36 months on select items.

Bonus Offers: None.

Best for Home Decoration

Best for Home Decoration: Pottery Barn Credit Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    28.24% variable
  • Cash Advance APR
    N/A
  • Rewards Rate
    10%
  • Intro APR
    0% APR deferred interest for 12 months on purchases of $750 or more
  • Annual Fee
    $0
  • Bonus Offers
    N/A

Pros

  • Earn 10% back at Pottery Barn branded stores
  • Choose 12-month special financing on transactions greater than $750
  • Get access to special offers and events

Cons

  • The card charges a super-high interest rate, even above-average for store credit cards
  • Some special financing plans are deferred-interest plans, so you could be on the hook for a lot of interest if you don't pay the balance in time
  • It's a closed-loop card, so you can't use it anywhere else 

Details

  • Earn one point for every dollar spent with your Pottery Barn Credit Card at Pottery Barn, Pottery Barn Kids, or PBteen store.
  • For every 250 points accumulated, you will receive a $25 Rewards Certificate.
  • Receive special offers throughout the year.
  • 12 months special financing or 10% back in rewards.
  • Purchase APR is a variable 28.24%.
  • No annual fee.

Application process: Online or in-store. Approval can take as little as 60 seconds.

Annual Fee: None.

APR: A variable rate of 28.24%. There's no penalty APR or cash advance APR. 

Rewards: The card offers 10% back — you'll earn 1 point per dollar spent and for every 250 points you earn, you get a $25 rewards certificate to use at Pottery Barn.

Bonus Offers: None.

Best for Clothing Shoppers

Best for Clothing Shoppers: Gap Visa® Credit Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    26.24% variable
  • Cash Advance APR
    28.24% variable
  • Rewards Rate
    5% at Gap, 1% everywhere else
  • Intro APR
    N/A
  • Annual Fee
    $0
  • Bonus Offers
    Get a 20% discount and free shipping on your first Gap purchase using the card, plus an extra 10% off every time you shop at Gap, Gap Outlet, and Gap Factory stores.

Pros

  • Offers 5% back at Gap-brand stores
  • Access to everyday discounts and special deals at Gap stores
  • Qualify with bad or limited credit

Cons

  • Mediocre rewards on non-Gap purchases
  • Regular discounts could encourage you to overspend
  • Card typically comes with a relatively low credit limit

Details

  • Save 20% and enjoy free shipping on your first purchase with the Gap Credit Card.
  • Earn 5 points per $1 spent at Gap, Banana Republic, Old Navy and Athleta. Earn 1 point per $1 spent everywhere else Visa credit cards are accepted.
  • Get a $5 Reward Card for every 500 points earned.
  • Access to special events with exclusive discounts, bonus point shopping days, and a special birthday gift.
  • Earn 5,000 points in a calendar year and enjoy Gap Silver Status with benefits like 20% quarterly bonus Rewards points, free online shipping, and more.
  • No annual fee.

Application process: Online or in-store. Approval can take as little as 60 seconds.

Annual Fee: None

APR: A variable rate of 26.24%. For cash advances, you'll pay an APR of 28.24%.

Rewards: The card offers 5 points per dollar spent at Gap and Gap brand stores, and 1 point per dollar spent elsewhere. For every 500 points you earn, you'll get a $5 reward you can use at Gap.

Bonus Offers: Get a 20% discount and free shipping on your first Gap purchase using the card, plus an extra 10% off every time you shop at Gap, Gap Outlet, and Gap Factory stores.

Best for Department Store Shopping

Best for Department Store Shopping: Kohls Charge Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    26.24% variable
  • Cash Advance APR
    N/A
  • Rewards Rate
    N/A
  • Intro APR
    N/A
  • Annual Fee
    $0
  • Bonus Offers
    Get a 30% discount on your first order with the Kohl's Charge card, plus a 15% discount when you get the card in the mail.

Pros

  • Receive up to 18 special discount offers each year
  • Get access to special Kohl's Charge cardholder savings events
  • Combine discounts, offers, and rewards for mega savings

Cons

The Kohl's Charge card is a closed-loop card, so you can only use it at Kohl's. Also, it can take a lot of brain power to take advantage of all the card's benefits. Lastly, its APR is super high.  

Details

  • Save 30% on your first purchase using your new Kohl’s Charge card, plus a 15% discount when you get the card in the mail.
  • Receive at least 12 special offers each year.
  • Spend $600 on your Kohl's Charge to become a Most Valued Customer (MVC) and receive at least 18 discounts a year, a $10 birthday gift, and special free-shipping events. 
  • Combine discounts, Yes2You Rewards, and Kohl's Cash for mega savings.

Application Process: Online or in-store. Approval can take as little as 60 seconds.

Annual Fee: None.

APR: A variable rate of 26.24%. For late payments, there's a penalty APR up to 29.24%.

Rewards: The card doesn't offer rewards, but you can sign up for the Yes2You Rewards program and earn 1 point per dollar spent. For every 100 points you earn, you can get $5 in Kohl's Cash.

Bonus Offers: Get a 30% discount on your first order with the Kohl's Charge card, plus a 15% discount when you get the card in the mail.

Best for Everyday Shopping

Best for Everyday Shopping: Target REDcard
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    24.15% variable
  • Cash Advance APR
    N/A
  • Rewards Rate
    5%
  • Intro APR
    N/A
  • Annual Fee
    $0
  • Bonus Offers
    Get a 10% off coupon every year on your account anniversary, plus other exclusive extras like free shipping on Target.com orders and 30 extra days for returns.

Pros

  • You'll save 5% on all your Target and Target.com purchases, with just a few exceptions
  • You can get even more discounts when you use the Target Cartwheel app (up to 50%), and free shipping on Target.com purchases
  • You'll get an extra 30 days to return items purchased with the card

Cons

  • The card charges a high APR
  • It's a closed-loop card, so you can't use it anywhere else

Details

  • Save 5% at Target and Target.com.
  • REDcard gives you 30 extra days for returns.
  • Combine your everyday 5% savings with Cartwheel, Target Subscriptions, and coupons.
  • Free Shipping at Target.com.
  • Exclusive extras: Special items, offers, and 10% off coupon as a gift on your REDcard anniversary each year.

Application Process: Online or in-store. Approval can take as little as 60 seconds.

Annual Fee: None.

APR: A variable rate of 24.15%. There's no penalty or cash advance APR.

Rewards: You'll get a 5% discount on Target and Target.com purchases in lieu of traditional rewards.

Bonus Offers: You'll get a 10% off coupon every year on your account anniversary, plus other exclusive extras like free shipping on Target.com orders and 30 extra days for returns.

Best for Online Shopping

Best for Online Shopping: Amazon Rewards Visa Signature Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    15.49% to 23.49% variable APR
  • Cash Advance APR
    26.24% variable
  • Rewards Rate
    Up to 5% at Amazon.com, 2% at restaurants, gas stations, and drugstores; 1% everywhere else
  • Intro APR
    N/A
  • Annual Fee
    $0
  • Bonus Offers
    Get a $50 Amazon.com gift card upon approval ($70 if you're a Prime member).

Pros

  • Offers 5% cash back on all Amazon.com purchases if you're a Prime member; you'll get just 3% back if you're not.
  • You'll also earn 2% back at restaurants, gas stations, and drugstores, and 1% back everywhere else.
  • You won't pay an annual fee or foreign transaction fees. Plus, the card is metal, which is pretty sweet.

Cons

  • The card's sign-up bonus can leave you wanting
  • It's non-Amazon rewards rates are mediocre
  • To get the extra 2% back for being a Prime member, the cost of Prime is effectively an annual fee

Details

  • $70 Amazon.com gift card instantly upon credit card approval if you're a Prime member; $50 gift card otherwise
  • 5% back at Amazon if you're a Prime member; 3% back otherwise
  • 2% back at gas stations, restaurants and drugstores
  • 1% back on all other purchases
  • No foreign transaction fees
  • No annual fee

Application Process: Apply online, and get a decision within 60 seconds or less.

Annual Fee: No annual fee, and no foreign transaction fees.

APR15.49% to 23.49% variable APR, depending on your creditworthiness. There's also a variable cash advance APR of 26.24%. There is no penalty APR.

Rewards: You'll earn 3% cash back on Amazon.com purchases (5% if you're a Prime member), 2% back at restaurants, gas stations, and drugstores, and 1% back everywhere else.

Bonus Offers: You'll get a $50 Amazon.com gift card upon approval ($70 if you're a Prime member).

Ben Luthi is a personal finance and travel writer living in Eagle Mountain, Utah. He has spent the past 10 years studying and working in the financial industry, and loves giving people the tools they need to improve their financial health. When not writing, Ben enjoys reading, hiking, and eating chips and salsa. You can connect with him at BenLuthi.co.

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