The Ultimate Guide to Credit Cards
Thursday, February 22, 2024

Best Store Credit Cards

Brittney Mayer

By: Brittney Mayer

Brittney Mayer
Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Reviewer: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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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 2024, along with smarter alternatives for rewards cards you can use at any store.

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Best Cards to Use at Any Store

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.

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
APR

18.24% - 28.24% Variable APR on purchases and balance transfers

Annual Fee

$0

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
APR

18.24% - 28.24% Variable APR on purchases and balance transfers

Annual Fee

$0

Discover it® Miles

4.9/5.0 ★★★★★
  • UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 17.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.
APR

17.24% - 28.24% Variable APR

Annual Fee

$0

Capital One Platinum Credit Card

4.9/5.0 ★★★★★
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
APR

30.74% (Variable)

Annual Fee

$0

Department Store Credit Cards

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.

Bealls

The Bealls Inc. Credit Card pays cardholders a $5 Reward when they spend $100

★★★ 3.0/5.0
APR

30.24%

Annual Fee

$0

Belk

The Belk® Rewards Card rewards you for spending with three tiers of store benefits.

★★★★ 3.5/5.0
APR

28.49%

Annual Fee

$0

Boscov's

Regular Boscov's shoppers who spend enough annually to earn the highest rewards rates will make the most of the Boscov's Credit Card.

★★★ 2.5/5.0
APR

31.24%

Annual Fee

$0

Dillard's

The Dillard's Credit Card earns points for every dollar spent but the rewards rate isn't the best.

★★★ 2.7/5.0
APR

30.24%

Annual Fee

$0

JCPenney

The JCPenney Credit Card can only be used at JCPenney, where it provides cardholders with 1 point for every dollar spent.

★★★ 2.5/5.0
APR

26.99%

Annual Fee

$0

Kohl's

Earn 7.5% back on every Kohl's purchase in the form of Kohl's Cash, issued in $5 increments.

★★★★ 3.7/5.0
APR

30.99%

Annual Fee

$0

Macy's

Macy's Credit Card offers devout Macy's shoppers a good way to receive exclusive sales and discounts.

★★★ 3.0/5.0
APR

26.24%

Annual Fee

$0

Nordstrom

The Nordstrom Retail Card is a great deal for loyal Nordstrom shoppers who want to earn points on every purchase.

★★★★ 3.7/5.0
APR

31.15%

Annual Fee

$0

Sears

The Shop Your Way Mastercard® replaced new Sears accounts amidst the retailer's bankruptcy settlement.

★★★ 3.1/5.0
APR

30.49%

Annual Fee

$0

Clothing Store Credit Cards

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.

American Eagle

The American Eagle Real Rewards Credit Card provides shoppers the chance to earn discounts and free clothes with regular purchases.

★★★★ 4.0/5.0
APR

31.24%

Annual Fee

$0

Ann Taylor

The Ann Taylor Card gives rewards for every purchase plus offers a regular monthly discount.

★★★ 2.8/5.0
APR

35.24%

Annual Fee

$0

Banana Republic

Regular Banana Republic shoppers will love the 5X rewards points per $1 on all Gap Inc. purchases.

★★★ 2.5/5.0
APR

25.99%

Annual Fee

$0

Buckle

The Buckle Credit Card offers rewards points for every dollar spent, but watch out for expiring points and the high APR.

★★★ 2.5/5.0
APR

33.24%

Annual Fee

$0

David's Bridal

While cardholders of the David's Bridal Credit Card can receive special financing, the exact terms of that financing will vary.

★★ 1.8/5.0
APR

N/A

Annual Fee

$0

Express

The Express Next Credit Card offers 20 rewards points for every $1 spent and 20% off of your first purchase.

★★★★ 3.9/5.0
APR

25.99%

Annual Fee

$0

J.Crew

J.Crew Credit Card users earn rewards on eligible J.Crew purchases and receive free standard shipping.

★★★ 3.1/5.0
APR

30.24%

Annual Fee

$0

Lane Bryant

Offering purchase rewards and extended returns, the Lane Bryant Credit Card may be worthwhile for regular shoppers.

★★★ 3.3/5.0
APR

35.24%

Annual Fee

$0

LOFT

The LOFT Credit Card earns 5X points per dollar on LOFT purchases & offers a monthly shopping discount.

★★★ 2.8/5.0
APR

35.24%

Annual Fee

$0

maurices

Pairing an everyday discount with free shipping, the maurices Credit Card is great for regular shoppers who pay their balance in full.

★★★ 3.0/5.0
APR

35.24%

Annual Fee

$0

New York & Company

Loyal New York & Company shoppers can find solid purchase rewards using their RUNWAYREWARDS Credit Card but beware the high APR.

★★★★ 3.5/5.0
APR

31.24%

Annual Fee

$0

Old Navy

The Old Navy Credit Card helps shoppers earn rewards and special savings at Old Navy and other Gap Inc. brands.

★★★ 2.5/5.0
APR

25.99%

Annual Fee

$0

T.J. Maxx

The TJX Rewards Credit Card offers 5X rewards points for every $1 spent at T.J. Maxx and its sister brands.

★★★ 2.5/5.0
APR

27.99%

Annual Fee

$0

The Children's Place

The My Place Rewards Credit Card offers purchase rewards and free standard shipping for The Children's Place purchases.

★★★ 3.3/5.0
APR

32.24%

Annual Fee

$0

Torrid

The Torrid Credit Card saves cardholders 5% on every purchase plus exclusive access to sales.

★★ 1.5/5.0
APR

35.24%

Annual Fee

$0

Victoria's Secret

The Victoria's Secret Angel Card provides lingerie lovers with a great way to earn exclusive savings at Victoria's Secret.

★★★★ 3.7/5.0
APR

25.99%

Annual Fee

$0

Other Retail Credit Cards

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.

Best Buy

If you're a technophile who always needs the latest gadgets, the My Best Buy credit card's rewards may be for you.

★★★★ 3.5/5.0
APR

26.24%

Annual Fee

$0

GameStop

GameStop's PowerUp Rewards Credit Card targets avid gamers who want to pay over time.

1.0/5.0
APR

32.24%

Annual Fee

$0

HSN

Receive nine-month deferred-interest special financing on HSN purchases.

★★ 2.0/5.0
APR

32.24%

Annual Fee

$0

Lowe’s

Those who spend a lot on home improvement goods at Lowe's will appreciate the 5% cash back savings with this card.

★★★ 2.8/5.0
APR

26.99%

Annual Fee

$0

Meijer

Meijer credit card users earn rewards on purchases and 10¢ cents off per gallon at Meijer Gas Stations.

★★★★ 3.7/5.0
APR

30.24%

Annual Fee

$0

Pottery Barn

The Pottery Barn Key Rewards Card offers rewards on Pottery Barn purchases and promotional financing.

★★★ 3.1/5.0
APR

30.99%

Annual Fee

$0

Sam's Club

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.

1.3/5.0
APR

23.65%

Annual Fee

$0

Target

The Target RedCard offers 5% off of Target purchases, free shipping, and extended returns.

★★★★★ 4.5/5.0
APR

28.15%

Annual Fee

$0

Walmart

The Walmart Credit Card is ideal for customers who make frequent purchases on the Walmart.com website.

★★★ 2.7/5.0
APR

23.90%

Annual Fee

$0

Zales

The Zales Credit Card offers no rewards but does provide special financing and discounts on qualifying purchases.

★★ 2.0/5.0
APR

32.24%

Annual Fee

$0

Automotive Credit Cards

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.

BP

The BPme Rewards Visa Card saves cardholders .15/gallon on fuel purchases at bp and Amoco stations when combined with BPme Rewards.

★★★ 3.0/5.0
APR

30.99%

Annual Fee

$0

Firestone

The Firestone Credit Card offers special six-month financing on Firestone purchases over $299.

★★ 1.8/5.0
APR

22.8%

Annual Fee

$0

Goodyear

Cardholders receive special zero-interest financing on Goodyear purchases over $250.

★★ 1.8/5.0
APR

29.99%

Annual Fee

$0

Shell

Shell's Drive for Five credit card provides a gas discount of 5¢ per gallon at Shell locations.

★★★★ 3.5/5.0
APR

25.99%

Annual Fee

$0

Store Cards for Bad Credit (Easy to Get)

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.

Buckle

The Buckle Credit Card offers rewards points for every dollar spent, but watch out for expiring points and the high APR.

★★★ 2.5/5.0
APR

33.24%

Annual Fee

$0

Dillard's

The Dillard's Credit Card earns points for every dollar spent but the rewards rate isn't the best.

★★★ 2.7/5.0
APR

30.24%

Annual Fee

$0

Express

The Express Next Credit Card offers 20 rewards points for every $1 spent and 20% off of your first purchase.

★★★★ 3.9/5.0
APR

25.99%

Annual Fee

$0

Firestone

The Firestone Credit Card offers special six-month financing on Firestone purchases over $299.

★★ 1.8/5.0
APR

22.8%

Annual Fee

$0

JCPenney

The JCPenney Credit Card can only be used at JCPenney, where it provides cardholders with 1 point for every dollar spent.

★★★ 2.5/5.0
APR

26.99%

Annual Fee

$0

Kohl's

Earn 7.5% back on every Kohl's purchase in the form of Kohl's Cash, issued in $5 increments.

★★★★ 3.7/5.0
APR

30.99%

Annual Fee

$0

Macy's

Macy's Credit Card offers devout Macy's shoppers a good way to receive exclusive sales and discounts.

★★★ 3.0/5.0
APR

26.24%

Annual Fee

$0

Nordstrom

The Nordstrom Retail Card is a great deal for loyal Nordstrom shoppers who want to earn points on every purchase.

★★★★ 3.7/5.0
APR

31.15%

Annual Fee

$0

Old Navy

The Old Navy Credit Card helps shoppers earn rewards and special savings at Old Navy and other Gap Inc. brands.

★★★ 2.5/5.0
APR

25.99%

Annual Fee

$0

Sam's Club

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.

1.3/5.0
APR

23.65%

Annual Fee

$0

Target

The Target RedCard offers 5% off of Target purchases, free shipping, and extended returns.

★★★★★ 4.5/5.0
APR

28.15%

Annual Fee

$0

The Children's Place

The My Place Rewards Credit Card offers purchase rewards and free standard shipping for The Children's Place purchases.

★★★ 3.3/5.0
APR

32.24%

Annual Fee

$0

Torrid

The Torrid Credit Card saves cardholders 5% on every purchase plus exclusive access to sales.

★★ 1.5/5.0
APR

35.24%

Annual Fee

$0

Victoria's Secret

The Victoria's Secret Angel Card provides lingerie lovers with a great way to earn exclusive savings at Victoria's Secret.

★★★★ 3.7/5.0
APR

25.99%

Annual Fee

$0

Best Store Cards of 2024

What is the best store card to have for 2024? 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.

Here are our top-rated store credit cards:

Best Store Cards of 2024
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

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