6 Best Store Credit Cards (2018)

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.

#4Best for Department Store Shopping

4. Kohls Charge Card

Best for Department Store Shopping: Kohls Charge Card

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4 Faveable Rating

Why People Love it

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

ProsCons

For regular Kohl's shoppers, this card can save you tons of money. The department store allows you to combine the savings you get from the card and other sources to get savings you wouldn't get any other way.

It's also a great option for people who are looking to build their credit history. Plus, there's no annual fee.

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.

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Details

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.

Variable APR	26.24% variable
Cash Advance APR	N/A
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.
Rewards Rate	N/A
Annual Fee	$0
Intro APR	N/A

Learn more:Kohls Charge Card »

6 Best Store Credit Cards