By: Brittney Mayer
Editor: Lillian Guevara-Castro
Reviewer: Ashley Fricker
Our team reviewed store-issued credit cards from all the top retailers in the nation, rating each based on features, terms, and buying power. Below are our picks for the best store credit cards of 2025, along with smarter alternatives for rewards cards you can use at any store.
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While store cards are great to use if you shop at one particular store frequently, we recommend the cards below with great perks like cash back, travel rewards, and low APRs. With our top picks, you won’t be tied to rewards at only one store, but benefits that can be used almost anywhere.
18.24% - 28.24% Variable APR on purchases and balance transfers
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18.24% - 28.24% Variable APR on purchases and balance transfers
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19.24% - 29.24% (Variable)
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29.74% (Variable)
$0
A staple of nearly every mall in America, department stores provide a little bit of everything, and department store credit cards are designed to help you save on all of it. Department store cards often provide rewards for your purchases, as well as offering special deals and discounts.
The Bealls Inc. Credit Card pays cardholders a $5 Reward when they spend $100
The Belk® Rewards Card rewards you for spending with three tiers of store benefits.
Regular Boscov's shoppers who spend enough annually to earn the highest rewards rates will make the most of the Boscov's Credit Card.
The Dillard's Credit Card earns points for every dollar spent but the rewards rate isn't the best.
The JCPenney Credit Card can only be used at JCPenney, where it provides cardholders with 1 point for every dollar spent.
Earn 7.5% back on every Kohl's purchase in the form of Kohl's Cash, issued in $5 increments.
Macy's Credit Card offers devout Macy's shoppers a good way to receive exclusive sales and discounts.
The Nordstrom Retail Card is a great deal for loyal Nordstrom shoppers who want to earn points on every purchase.
The Shop Your Way Mastercard® replaced new Sears accounts amidst the retailer's bankruptcy settlement.
Designed for fashion-forward consumers who spend a lot in their favorite clothing stores, these apparel store credit cards typically provide cardholders with purchase rewards and exclusive discounts on their favorite brands. Apparel store cards are often most lucrative for big spenders who can reach the top level of rewards.
The American Eagle Real Rewards Credit Card provides shoppers the chance to earn discounts and free clothes with regular purchases.
The Ann Taylor Card gives rewards for every purchase plus offers a regular monthly discount.
Regular Banana Republic shoppers will love the 5X rewards points per $1 on all Gap Inc. purchases.
The Buckle Credit Card offers rewards points for every dollar spent, but watch out for expiring points and the high APR.
While cardholders of the David's Bridal Credit Card can receive special financing, the exact terms of that financing will vary.
The Express Next Credit Card offers 20 rewards points for every $1 spent and 20% off of your first purchase.
J.Crew Credit Card users earn rewards on eligible J.Crew purchases and receive free standard shipping.
Offering purchase rewards and extended returns, the Lane Bryant Credit Card may be worthwhile for regular shoppers.
The LOFT Credit Card earns 5X points per dollar on LOFT purchases & offers a monthly shopping discount.
Pairing an everyday discount with free shipping, the maurices Credit Card is great for regular shoppers who pay their balance in full.
Loyal New York & Company shoppers can find solid purchase rewards using their RUNWAYREWARDS Credit Card but beware the high APR.
The Old Navy Credit Card helps shoppers earn rewards and special savings at Old Navy and other Gap Inc. brands.
The TJX Rewards Credit Card offers 5X rewards points for every $1 spent at T.J. Maxx and its sister brands.
The My Place Rewards Credit Card offers purchase rewards and free standard shipping for The Children's Place purchases.
The Torrid Credit Card saves cardholders 5% on every purchase plus exclusive access to sales.
The Victoria's Secret Angel Card provides lingerie lovers with a great way to earn exclusive savings at Victoria's Secret.
Consisting of the popular brands we know, love, and shop daily, the retail store cards category includes everything from purveyors of fine electronics to the home improvement stores that help keep our houses in tip-top shape. Retail credit card perks run the gamut, with some cards offering purchase rewards, while others provide special financing deals on large purchases.
If you're a technophile who always needs the latest gadgets, the My Best Buy credit card's rewards may be for you.
GameStop's PowerUp Rewards Credit Card targets avid gamers who want to pay over time.
Receive nine-month deferred-interest special financing on HSN purchases.
Those who spend a lot on home improvement goods at Lowe's will appreciate the 5% cash back savings with this card.
Meijer credit card users earn rewards on purchases and 10¢ cents off per gallon at Meijer Gas Stations.
The Pottery Barn Key Rewards Card offers rewards on Pottery Barn purchases and promotional financing.
The Sam's Club Consumer Credit Card is a no-frills card with no rewards other than the ability to make purchases at Sam's Club and Walmart.
The Target RedCard offers 5% off of Target purchases, free shipping, and extended returns.
The Walmart Credit Card is ideal for customers who make frequent purchases on the Walmart.com website.
The Zales Credit Card offers no rewards but does provide special financing and discounts on qualifying purchases.
A variety of popular brands in the automotive industry provide closed-loop credit cards, including names like Shell and Firestone. While some automotive cards offer discounts on gas or oil changes, others will provide special financing options to help you pay for big-ticket repairs.
The BPme Rewards Visa Card saves cardholders .15/gallon on fuel purchases at bp and Amoco stations when combined with BPme Rewards.
The Firestone Credit Card offers special six-month financing on Firestone purchases over $299.
Cardholders receive special zero-interest financing on Goodyear purchases over $250.
Shell's Drive for Five credit card provides a gas discount of 5¢ per gallon at Shell locations.
Of all the unsecured credit card options out there, store cards are typically some of the easiest cards to obtain with bad credit, making them a good tool for building your credit score. Not every store card will approve risky applicants, however, so choose your card wisely.
The Buckle Credit Card offers rewards points for every dollar spent, but watch out for expiring points and the high APR.
The Dillard's Credit Card earns points for every dollar spent but the rewards rate isn't the best.
The Express Next Credit Card offers 20 rewards points for every $1 spent and 20% off of your first purchase.
The Firestone Credit Card offers special six-month financing on Firestone purchases over $299.
The JCPenney Credit Card can only be used at JCPenney, where it provides cardholders with 1 point for every dollar spent.
Earn 7.5% back on every Kohl's purchase in the form of Kohl's Cash, issued in $5 increments.
Macy's Credit Card offers devout Macy's shoppers a good way to receive exclusive sales and discounts.
The Nordstrom Retail Card is a great deal for loyal Nordstrom shoppers who want to earn points on every purchase.
The Old Navy Credit Card helps shoppers earn rewards and special savings at Old Navy and other Gap Inc. brands.
The Sam's Club Consumer Credit Card is a no-frills card with no rewards other than the ability to make purchases at Sam's Club and Walmart.
The Target RedCard offers 5% off of Target purchases, free shipping, and extended returns.
The My Place Rewards Credit Card offers purchase rewards and free standard shipping for The Children's Place purchases.
The Torrid Credit Card saves cardholders 5% on every purchase plus exclusive access to sales.
The Victoria's Secret Angel Card provides lingerie lovers with a great way to earn exclusive savings at Victoria's Secret.
What is the best store card to have for 2025? Below is a simple summary of our top credit card reviews, along with current features for each offer. Simply click the card name to visit the full review and find the card that's right for you.
| Store Card | APR | Annual Fee | Rating |
|---|---|---|---|
| Target | 28.15% | $0 | ★★★★★ 4.5 |
| American Eagle | 31.24% | $0 | ★★★★★ 4.0 |
| Express | 25.99% | $0 | ★★★★★ 3.9 |
| Kohl's | 30.99% | $0 | ★★★★★ 3.7 |
| Meijer | 30.24% | $0 | ★★★★★ 3.7 |
| Nordstrom | 31.15% | $0 | ★★★★★ 3.7 |
| Victoria's Secret | 25.99% | $0 | ★★★★★ 3.7 |
| Belk | 28.49% | $0 | ★★★★★ 3.5 |
| Best Buy | 26.24% | $0 | ★★★★★ 3.5 |
| New York & Company | 31.24% | $0 | ★★★★★ 3.5 |
| Shell | 25.99% | $0 | ★★★★★ 3.5 |
| Lane Bryant | 35.24% | $0 | ★★★★★ 3.3 |
| The Children's Place | 32.24% | $0 | ★★★★★ 3.3 |
| J.Crew | 30.24% | $0 | ★★★★★ 3.1 |
| Pottery Barn | 30.99% | $0 | ★★★★★ 3.1 |
| Sears | 30.49% | $0 | ★★★★★ 3.1 |
| Bealls | 30.24% | $0 | ★★★★★ 3.0 |
| BP | 30.99% | $0 | ★★★★★ 3.0 |
| Macy's | 26.24% | $0 | ★★★★★ 3.0 |
| maurices | 35.24% | $0 | ★★★★★ 3.0 |
CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
