6 Best Store Credit Cards

6 Best Store Credit Cards

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 July 10, 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.

Why trust us: Faveable has spent thousands of hours researching, interviewing experts, and testing products to come up with carefully selected lists trusted by millions of consumers since 2013.

6 Best Store Credit Cards

  • 6. My Best Buy® Visa® Card
  • 5. Gap Visa® Credit Card
  • 4. Kohls Charge Card
  • 3. Target REDcard
  • 2. Costco Anywhere Visa® Card by Citi
  • 1. Amazon Rewards Visa Signature Card

Best Store Card for Electronics

My Best Buy® Visa® Card

Best Store Card for Electronics: My Best Buy® Visa® Card
82 % Editor Score
82 % User Score
226 Clicks

Why People Love it

  • Bonus rewards on Best Buy purchases and other everyday spending categories
  • Promotional financing on large purchases
  • Get higher bonus cash back on your first purchase

  • Choose between rewards and promotional financing
  • Use the card everywhere Visa is accepted
  • No annual fee
  • Requires good credit
  • Charges a high APR on regular purchases
  • Low base rewards rate

Application Process: Apply online, and get a decision within 60 seconds or less.

Rewards: Earn up to 6% back in rewards on Best Buy purchases, and bonus rewards on other everyday purchases.

Bonus Offers: Get 10% back in rewards on your first purchase.

APR: 26.99% variable. Offers 0% promotional financing on large purchases. 

Annual Fee: $0.

Details:My Best Buy® Visa® Card »

Best for Clothing Shoppers

Gap Visa® Credit Card

Best for Clothing Shoppers: Gap Visa® Credit Card
Variable APR
26.24% variable
Cash Advance APR
28.24% variable
Bonus Offers
Get a 20% discount and free shipping on your first Gap purchase using the card, plus an extra 10% off every time you shop at Gap, Gap Outlet, and Gap Factory stores.
Rewards Rate
5% at Gap, 1% everywhere else
Annual Fee
$0
Intro APR
N/A
88 % Editor Score
85 % User Score
201 Clicks

Why People Love it

  • Offers 5% back at Gap-brand stores
  • Access to everyday discounts and special deals at Gap stores
  • Qualify with bad or limited credit

  • Mediocre rewards on non-Gap purchases
  • Regular discounts could encourage you to overspend
  • Card typically comes with a relatively low credit limit
Expert Ratings

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 cash advances, you'll pay an APR of 28.24%.

Rewards: The card offers 5 points per dollar spent at Gap and Gap brand stores, and 1 point per dollar spent elsewhere. For every 500 points you earn, you'll get a $5 reward you can use at Gap.

Bonus Offers: Get a 20% discount and free shipping on your first Gap purchase using the card, plus an extra 10% off every time you shop at Gap, Gap Outlet, and Gap Factory stores.

Details:Gap Visa® Credit Card »

Best for Department Store Shopping

Kohls Charge Card

Best for Department Store Shopping: Kohls Charge Card
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
80 % Editor Score
80 % User Score
176 Clicks

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

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.  

Expert Ratings

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.

Details:Kohls Charge Card »

Best for Everyday Shopping

Target REDcard

Best for Everyday Shopping: Target REDcard
Variable APR
24.15% variable
Cash Advance APR
N/A
Bonus Offers
Get a 10% off coupon every year on your account anniversary, plus other exclusive extras like free shipping on Target.com orders and 30 extra days for returns.
Rewards Rate
5%
Annual Fee
$0
Intro APR
N/A
84 % Editor Score
85 % User Score
236 Clicks

Why People Love it

  • You'll save 5% on all your Target and Target.com purchases, with just a few exceptions
  • You can get even more discounts when you use the Target Cartwheel app (up to 50%), and free shipping on Target.com purchases
  • You'll get an extra 30 days to return items purchased with the card

  • The card charges a high APR
  • It's a closed-loop card, so you can't use it anywhere else
Expert Ratings

Application Process: Online or in-store. Approval can take as little as 60 seconds.

Annual Fee: None.

APR: A variable rate of 24.15%. There's no penalty or cash advance APR.

Rewards: You'll get a 5% discount on Target and Target.com purchases in lieu of traditional rewards.

Bonus Offers: You'll get a 10% off coupon every year on your account anniversary, plus other exclusive extras like free shipping on Target.com orders and 30 extra days for returns.

Details:Target REDcard »

Best Credit Card for Everyday Spending

Costco Anywhere Visa® Card by Citi

Best Credit Card for Everyday Spending: Costco Anywhere Visa® Card by Citi
Variable APR
16.99%
Cash Advance APR
26.99%
Rewards Rate
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com, 1% cash back on all other purchases
Annual Fee
$0
Intro APR
n/a
Bonus Offers
n/a
86 % Editor Score
96 % User Score
499 Clicks

Why People Love it

  • Offers bonus cash back on several everyday spending categories
  • Can use as a Costco membership ID
  • No foreign transaction fee

  • Offers up to 4% cash back on certain spending categories
  • Use it at Costco, which only accepts Visa
  • No annual fee
  • Requires excellent credit
  • Needs a Costco membership
  • Rewards redeemable once a year
Expert Ratings

Application Process: Apply online, and get a decision within 60 seconds or less.

Rewards: Earn 4% cash back on eligible gas for the first $7,000 per year, then 1% after that. Also earn 3% cash back on restaurants and eligible travel purchases, 2% back on all other purchases at Costco and Costco.com, and 1% back everywhere else.

Bonus Offers: None.

Annual Fee: $0.

Details:Costco Anywhere Visa® Card by Citi »

Best for Online Shopping

Amazon Rewards Visa Signature Card

Best for Online Shopping: Amazon Rewards Visa Signature Card
Variable APR
15.49% to 23.49% variable APR
Cash Advance APR
26.24% variable
Bonus Offers
Get a $50 Amazon.com gift card upon approval ($70 if you're a Prime member).
Rewards Rate
Up to 5% at Amazon.com, 2% at restaurants, gas stations, and drugstores; 1% everywhere else
Annual Fee
$0
Intro APR
N/A
80 % Editor Score
95 % User Score
209 Clicks

Why People Love it

  • Offers 5% cash back on all Amazon.com purchases if you're a Prime member; you'll get just 3% back if you're not.
  • You'll also earn 2% back at restaurants, gas stations, and drugstores, and 1% back everywhere else.
  • You won't pay an annual fee or foreign transaction fees. Plus, the card is metal, which is pretty sweet.

  • The card's sign-up bonus can leave you wanting
  • It's non-Amazon rewards rates are mediocre
  • To get the extra 2% back for being a Prime member, the cost of Prime is effectively an annual fee
Expert Ratings

Application Process: Apply online, and get a decision within 60 seconds or less.

Annual Fee: No annual fee, and no foreign transaction fees.

APR15.49% to 23.49% variable APR, depending on your creditworthiness. There's also a variable cash advance APR of 26.24%. There is no penalty APR.

Rewards: You'll earn 3% cash back on Amazon.com purchases (5% if you're a Prime member), 2% back at restaurants, gas stations, and drugstores, and 1% back everywhere else.

Bonus Offers: You'll get a $50 Amazon.com gift card upon approval ($70 if you're a Prime member).

Details:Amazon Rewards Visa Signature Card »

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Article Staff

Ben is a money and travel writer living in Utah. He has spent the past 10 years studying and working in the financial industry.

Ben has written for sites such as NerdWallet, USA Today, Money, Credit.com, Credit Karma, and US News.

Ben loves giving people the tools they need to improve their financial health.

When he's not writing, Ben enjoys planning his next vacation, reading, and eating chips and salsa. You can connect with him at BenLuthi.co.

Editor Jenna Holtz
Researcher Ronnie Langston
Art Director Cherry Barbacena

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6 Best Store Credit Cards

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