6 Best Store Credit Cards

6 Best Store Credit Cards

Quick List: 4 Best

The top four picks on our list
#1
Best for Online Shopping
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.
#2
Best Credit Card for Everyday Spending
Costco Anywhere Visa® Card by Citi
  • Offers bonus cash back on several everyday spending categories
  • Can use as a Costco membership ID
  • No foreign transaction fee
#3
Best for Everyday Shopping
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
#4
Best for Department Store Shopping
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
Quick Look: 6 Best Store Credit Cards
My Best Buy® Visa® Card
My Best Buy® Visa® Card
  • Bonus rewards on Best Buy purchases and other everyday spending categories
  • Promotional financing on large purchases
  • Get higher bonus cash back on your first purchase
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Gap Visa® Credit Card
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
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Kohls Charge Card
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
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
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
  • Offers bonus cash back on several everyday spending categories
  • Can use as a Costco membership ID
  • No foreign transaction fee
Check on
Amazon Rewards Visa Signature Card
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

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.

This article was last updated March 18, 2018 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.


Editorial staff

Last updated: March 18, 2018