The Ultimate Guide to Credit Cards
Friday, September 22, 2023

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.

See full bio »

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.

See full bio »

Reviewer: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. 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. Her credit card commentary is often featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others.

See full bio »

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 2023, 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 - now with expanded categories, 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.
  • Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
  • If you're a 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 no expiration on rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
  • 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

Chase Slate Edge℠

4.9/5.0 ★★★★★
  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
  • Member FDIC
APR

20.49% - 29.24% Variable

Annual Fee

$0

Discover it® Miles

4.9/5.0 ★★★★★
  • UNLIMITED BONUS: Only 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 - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 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.
  • Click through to Discover’s website to see terms and conditions.
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

30.49% (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 Credit Card allows cardholders to double their Bealls loyalty points earnings.

★★★ 3.0/5.0
APR

26.24%

Annual Fee

$0

Belk

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

★★★★ 3.5/5.0
APR

25.49%

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

27.24%

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

24.49% - 26.49%

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

If you live in the United States, there’s a very good chance you live near a Kohl’s department store. The company has 1,100 locations.

★★★★ 3.7/5.0
APR

24.99% - 27.99%

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

23.90%

Annual Fee

$0

Sears

The Sears Card® can be used at Sears and Kmart stores to earn rewards and save, but cardholders report lacking customer service.

★★★ 3.1/5.0
APR

26.24%

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 Outfitters

The American Eagle Outfitters card provides shoppers the chance to earn discounts and free clothes with regular purchases.

★★★★ 4.0/5.0
APR

25.99%

Annual Fee

$0

Ann Taylor

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

★★★★ 3.6/5.0
APR

26.24%

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

26.24%

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

28.49%

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

26.49%

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

28.24%

Annual Fee

$0

Loft

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

★★★★ 3.5/5.0
APR

26.24%

Annual Fee

$0

Maurices

Pairing an everyday discount with free shipping, the mymaurices VIP Credit Card is great for regular shoppers.

★★★★ 4.0/5.0
APR

27.99%

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

27.24%

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.

★★★★ 3.5/5.0
APR

27.24%

Annual Fee

$0

Torrid

The Torrid Insider Credit Card doesn't increase your rewards but it does provide discounted shopping days each year.

★★ 2.0/5.0
APR

26.24%

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

Costco

The Costco Anywhere Visa® earns 2% cash back on Costco purchases, but also offers other bonus rewards categories.

★★★ 3.2/5.0
APR

20.49%

Annual Fee

$0

GameStop

GameStop's PowerUp Rewards Credit Card targets avid gamers that want rewards for their regular purchases.

★★ 2.3/5.0
APR

27.99

Annual Fee

$0

HSN

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

★★ 2.0/5.0
APR

28.49%

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

25.74%

Annual Fee

$0

Pottery Barn

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

★★★ 3.1/5.0
APR

28.74%

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.

★★★★ 4.1/5.0
APR

23.90%

Annual Fee

$0

Toys"R"Us

The Toys"R"US Credit Card is perfect for toy lovers big and small to save on every purchase.

★★★★ 4.0/5.0
APR

26.99%

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 on qualifying purchases.

★★ 1.7/5.0
APR

29.99%

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 BP Credit Card has a sky-high APR and convoluted rewards system that make the card user-unfriendly.

★★ 2.0/5.0
APR

28.49%

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

26.24%

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

24.49% - 26.49%

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

If you live in the United States, there’s a very good chance you live near a Kohl’s department store. The company has 1,100 locations.

★★★★ 3.7/5.0
APR

24.99% - 27.99%

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

23.90%

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.

★★★★ 4.1/5.0
APR

23.90%

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.

★★★★ 3.5/5.0
APR

27.24%

Annual Fee

$0

Torrid

The Torrid Insider Credit Card doesn't increase your rewards but it does provide discounted shopping days each year.

★★ 2.0/5.0
APR

26.24%

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 2023

What is the best store card to have for 2023? 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 2023
Store Card APR Annual Fee Rating
Target 23.90% $0 ★★★★4.1
American Eagle Outfitters 25.99% $0 ★★★★4.0
Maurices 27.99% $0 ★★★★4.0
Toys"R"Us 26.99% $0 ★★★★4.0
Express 25.99% $0 ★★★★3.9
Kohl's 24.99% - 27.99% $0 ★★★★3.7
Meijer 25.74% $0 ★★★★3.7
Nordstrom 23.90% $0 ★★★★3.7
Victoria's Secret 25.99% $0 ★★★★3.7
Ann Taylor 26.24% $0 ★★★★3.6
Belk 25.49% $0 ★★★★3.5
Best Buy 26.24% $0 ★★★★3.5
Loft 26.24% $0 ★★★★3.5
New York & Company 27.24% $0 ★★★★3.5
Shell 25.99% $0 ★★★★3.5
The Children's Place 27.24% $0 ★★★★3.5
Lane Bryant 28.24% $0 ★★★3.3
Costco 20.49% $0 ★★★3.2
J.Crew 26.49% $0 ★★★3.1
Pottery Barn 28.74% $0 ★★★3.1

Advertiser Disclosure

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.