Store Cards Background
Average APR
25.99%
Average Annual Fee
$0
Rate Trend
0.04%
since last month

Store Credit Cards

We evaluated store credit cards offered by some of the nation’s largest retailers to find the cream of the crop. The following curated list includes all the top store cards... (read more)

We evaluated store credit cards offered by some of the nation’s largest retailers to find the cream of the crop. The following curated list includes all the top store cards currently available. Keep in mind that even the best offers here leave a lot to be desired. Store credit cards have limited redemption options for their rewards and outrageously high interest rates. Anyone with an average credit score or better should look at general-purpose credit cards instead.

Best Store Cards of 2018

What is the best store card to have for 2018? 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.

Best Store Cards of 2018

Here are our top-rated store credit cards:

Store Card APR Annual Fee Rating
Amazon.com 26.99% $0 ★★★★4.1
Target 23.90% $0 ★★★★4.1
American Eagle Outfitters 25.99% $0 ★★★★4.0
Kohl's 24.99% - 27.99% $0 ★★★★4.0
Maurices 27.99% $0 ★★★★4.0
Toys"R"Us 26.99% $0 ★★★★4.0
Express 25.99% $0 ★★★★3.9
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
Home Depot 17.99% - 26.99% $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 16.74% $0 ★★★3.2
J.Crew 26.49% $0 ★★★3.1
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Best Cards to Use at Any Store

Ashley Dull

“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.” — Ashley Dull, Editor-in-Chief

Chase Freedom Unlimited®

5.0/5.0 ★★★★★
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
APR

16.74% - 25.49% Variable

Annual Fee

$0

Wells Fargo Platinum Visa® Card

5.0/5.0 ★★★★★
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.90%-26.74% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
APR

16.90%-26.74% (Variable)

Annual Fee

$0

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
APR

14.74% - 24.74% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Capital One® Platinum Credit Card

4.8/5.0 ★★★★★
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
APR

24.99% (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. (read review)

★★★ 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. (read review)

★★★★ 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. (read review)

★★★ 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. (read review)

★★★ 2.7/5.0
APR

24.49% to 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. (read review)

★★★ 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. (read review)

★★★★ 4.0/5.0
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. (read review)

★★★ 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. (read review)

★★★★ 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. (read review)

★★★ 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. (read review)

★★★★ 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. (read review)

★★★★ 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. (read review)

★★★ 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. (read review)

★★★ 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. (read review)

★★ 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. (read review)

★★★★ 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. (read review)

★★★ 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. (read review)

★★★ 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. (read review)

★★★★ 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. (read review)

★★★★ 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. (read review)

★★★★ 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. (read review)

★★★ 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. (read review)

★★★ 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. (read review)

★★★★ 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. (read review)

★★ 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. (read review)

★★★★ 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.

Amazon.com

The Amazon.com Store Card provides special financing for all cardholders and cash back rewards for Prime users. (read review)

★★★★ 4.1/5.0
APR

26.99%

Annual Fee

$0

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. (read review)

★★★★ 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. (read review)

★★★ 3.2/5.0
APR

16.74%

Annual Fee

$0

GameStop

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

★★ 2.3/5.0
APR

27.99

Annual Fee

$0

Home Depot

The Home Depot Consumer Credit Card is a great way to obtain special financing on Home Depot purchases over $299. (read review)

★★★★ 3.5/5.0
APR

17.99% - 26.99%

Annual Fee

$0

HSN

Receive nine-month deferred-interest special financing on HSN purchases. (read review)

★★ 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. (read review)

★★★ 2.8/5.0
APR

26.99%

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. (read review)

1.3/5.0
APR

22.90%

Annual Fee

$0

Target

The Target REDcard offers 5% off of Target purchases, free shipping, and extended returns. (read review)

★★★★ 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. (read review)

★★★★ 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. (read review)

★★★ 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. (read review)

★★ 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. (read review)

★★ 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. (read review)

★★ 1.8/5.0
APR

22.8%

Annual Fee

$0

Goodyear

Cardholders receive special zero-interest financing on Goodyear purchases over $250. (read review)

★★ 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. (read review)

★★★★ 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.

Amazon.com

The Amazon.com Store Card provides special financing for all cardholders and cash back rewards for Prime users. (read review)

★★★★ 4.1/5.0
APR

26.99%

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. (read review)

★★★ 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. (read review)

★★★ 2.7/5.0
APR

24.49% to 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. (read review)

★★★★ 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. (read review)

★★ 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. (read review)

★★★ 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. (read review)

★★★★ 4.0/5.0
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. (read review)

★★★ 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. (read review)

★★★★ 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. (read review)

★★★ 2.5/5.0
APR

25.99%

Annual Fee

$0

Target

The Target REDcard offers 5% off of Target purchases, free shipping, and extended returns. (read review)

★★★★ 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. (read review)

★★★★ 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. (read review)

★★ 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. (read review)

★★★★ 3.7/5.0
APR

25.99%

Annual Fee

$0