Best Store Credit Cards

Earn rewards and take advantage of discounts with these store cards.

The holidays get everybody into the spirit — of shopping. It can become even more tempting to spend beyond your budget, especially when choosing gifts for those you love during the holiday season. If your favorite store offers a retail credit card, apply for it before you do your holiday shopping so you can save money and rack up points.

Here are 13 best retail credit cards available right now, listed in order from lowest APR to the highest. Use this list to decide if you need a store credit card and, more importantly, which card is the right fit for your wallet.

Best Store Credit Cards

Before you apply for a credit card, make sure you are getting the best deal for your needs. Beyond APR, consider the introductory offer, rewards and discounts. Here are the best retail credit cards available:

Best Store Credit Cards 
Store CardPurchase APR (%)Intro OfferRewardsDiscounts for CardholdersHow to Apply
Uber Credit Card15.99Earn $100 after spending $500 on purchases in the first 90 days4% back on restaurants, takeout and bars, including UberEATS; 3% back on hotel, airfare and home rentals; 2% back for online purchases, including Uber, online shopping, video and music streaming services; 1% back on all other purchasesUp to a $50 credit for online subscription services after you spend $5,000 or more on your card per year; Up to $600 for mobile phone damage or theft when you pay your mobile phone bill with your card; no foreign transaction feesLearn More
Costco Anywhere Visa16.24Introductory rate of 0% for 7 months4% cash back on gas; 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 purchasesNoneLearn More
Nordstrom Credit Card23.90$20 bonus note for spending $100 at Nordstrom, Nordstrom Rack, HauteLook or Trunk Club with your new card the day you’re approved2 points for every $1 spent at Nordstrom, Nordstrom Rack, HauteLook and Trunk Club (online or in store); same rewards for Visa Signature cardholders, who can also get points wherever Visa is acceptedAccess to bonus point events; early access to anniversary sales; personal 3x point days; alteration reimbursement; private holiday shopping partyLearn More
Target REDcard23.90NoNone5% off everyday purchases; free shipping on most Target.com ordersLearn More
GapCard25.7415% off your first purchase5 points for every $1 spent in GAP brand stores (Gap, Old Navy, Banana Republic and Athleta) in store and online; 1 point for every $1 spent everywhere Visa is accepted; $5 reward for every 500 points earnedFree online shipping and basic alterations with silver card; 10% off Tuesdays at Gap online and in store; birthday giftLearn More
J. Crew Card25.9915% off your first purchase$25 rewards card for every $500 you spend; special birthday surpriseComplimentary personal shopping and styling services; free standard alterations on in-store purchasesLearn More
Victoria’s Secret Angel Credit Card25.99No$1 = 1 point; reward earned every 250 pointsFree shipping; birthday gift; exclusive rewards for shopping; insider access and invitesLearn More
Macy’s Credit Card26.2420% off purchases up to $100 today and tomorrowStar Pass mailings; surprise savings offers at the register; Thanks for Sharing rewards (which can also include 15% bonus events); birthday offer; exclusive shipping offers; customer service numberNoLearn More
Best Buy Credit Card26.2410% back in rewards on your first purchase5% back in rewards (6% for Elite Plus) or 18-month financing on purchases greater than $479 for a limited timeNoLearn More
Amazon Prime Store Card26.99$40 Amazon gift card upon approval for a limited time5% back every day on Amazon.com purchases with no category restrictions and no limits; can opt for promotional financing instead of 5% back when your cart totals more than $149NoLearn More
Lowe’s Consumer Credit Card26.99No5% off everyday purchases or special project financing through 36, 60, or 84 fixed monthly payments5% off everyday purchasesLearn More
TJX Rewards Credit Card27.9910% off first purchase online or in-store5 points per $1 spent at TJ Maxx, Marshalls, HomeGoods, Sierra Trading Post, and tjmaxx.com; 1 point per $1 spent everywhere else MasterCard is accepted; $10 rewards certificates for every 1,000 points earned (no limit)None Learn More
Staples More Account28.99For commercial/business account, save $50 on purchase of $150 or more made within 45 days of opening5% back in rewards every dayFree next day delivery on orders over $49.99 (oversize items excluded) Learn More
Information accurate as of Nov 21, 2017.

Uber Credit Card

  • Purchase APR: 15.99% APR
  • Fee: $0

The Uber credit card offers extra cash back on special categories, including 4 percent on restaurants, 3 percent on hotels and airline tickets, 2 percent for all online purchases and 1 percent on everything else. There’s no annual fee, and you’ll get a $50 credit for online subscription services when you spend at least $5,000 on the card per year or up to $600 to repair or replace your cell phone if you pay your mobile bill using the card. Plus, if you sign up now, this shopping credit card can earn you a $100 bonus when you spend $500 within 90 days.

See Also: How to Apply for a Credit Card

Costco Anywhere Visa

  • Purchase APR: 16.24% APR
  • Fee: $0

Having a Costco Anywhere Visa won’t get you any extra discounts at Costco, but it will help you earn extra cash back: 4 percent on eligible gas, 3 percent on eating out and travel, 2 percent on Costco purchases in-store and online, and 1 percent cash back on everything else. For the first seven months after signing up for the Costco credit card, you’ll also be able to take advantage of no interest and there’s never an annual fee.

Nordstrom Credit Card

  • Purchase APR: 23.90% APR
  • Fee: $0

If you love shopping at Nordstrom, getting the annual fee-free Nordstrom card can give you the inside track to unlock the best deals Nordstrom has to offer. You’ll get special access to anniversary sales, triple point days just for you and invitations to private holiday shopping parties. It also has the lowest APR of the department store credit cards on this list. You’ll earn double points at Nordstrom and Nordstrom-affiliated stores, plus a $40 bonus when you spend $100 at Nordstrom on the day you’re approved for the card.

Target REDcard

  • Purchase APR: 23.90% APR
  • Fee: $0

Target REDcards could be a Target credit card, Target debit card or Target Mastercard. No matter which Target card you use, however, you’ll get 5 percent off most purchases, plus you’ll get free shipping on most online orders at Target’s website. But, there aren’t any sign-up bonuses or categories that you’ll receive extra rewards other than shopping at Target.

Related: How to Apply for a Target Credit Card

GapCard

  • Purchase APR: 25.74% APR
  • Fee: $0

Though only the Gap is on the name, the Gap credit card covers all Gap brands, including Old Navy, Athleta and Banana Republic. You’ll earn five points per dollar spent at any Gap-brand store and one point for every dollar spent anywhere else. Every time you accumulate 500 points, you can redeem them for $5. Other perks include free basic alterations and shipping with a silver card, birthday savings and 10 percent off until the end of the year for Gap, Gap Outlet and Gap Factory purchases made in the store. As a cherry on top, you’ll also get 20 percent off your first purchase.

J. Crew Card

  • Purchase APR: 25.99% APR
  • Fee: $0

If you like a personal touch and J. Crew merchandise, the J. Crew card belongs in your wallet. As a cardholder, you’ll receive complimentary personal shopping and styling services, plus free alternations on in-store purchases. Every time you spend $500 on your card, you’ll receive a $25 rewards card. Plus, new cardholders receive a 15 percent discount on their first purchase.

Victoria’s Secret Angel Credit Card

  • Purchase APR: 25.99% APR
  • Fee: $0

The Victoria’s Secret Angel credit card comes with access to special events, a birthday gift, free shipping on any purchase that includes a bra and exclusive shopping rewards every time you spend $250. After you’re approved, you’ll get 15 percent off your next purchase.

Macy’s Credit Card

  • Purchase APR: 26.24% APR
  • Fee: $0

The Macy’s credit card comes with three levels of rewards. The Silver level, which applies to all new cardholders, is for customers who spend $1 to $499 per year. Gold customers spend between $500 and $1199 annually, and Platinum classification requires purchases of $1,200 or more every year. Each tier comes with increased rewards, exclusives, savings and enhancements in customer service. For example, when you reach Platinum, you get 5 percent back on Macy’s purchases, but free shipping is available at the Gold level.

Related: Macy’s Credit Card Review

Best Buy Credit Card

  • Purchase APR: 26.24%
  • Fee: $0

Best Buy doesn’t promise any special event access for Best Buy credit card holders, but you can choose between 5 percent back in rewards or 18-month financing on purchases of $479 or more. And, if you’re an Elite Plus Best Buy Rewards member, the reward goes up to 6 percent. When you sign up, you receive a 10 percent discount on your first purchase.

Amazon Prime Store Card

  • Purchase APR: 26.99%
  • Fee: $0

If you love shopping on Amazon, you’ll love the Amazon Prime Store Card. Whenever you make purchases on Amazon.com, you’ll earn 5 percent cash back. Plus, your card gives you access to special financing offers with no interest: take six months to pay on purchases over $149, 12 months to pay on purchases over $599, and up to 24 months on special Amazon offers. But, you have to be a Prime member to take advantage of the Amazon Prime Store Card — non-members are stuck with the ordinary Amazon credit card.

Related: 21 Items That Are Cheaper on Amazon

Lowe’s Consumer Credit Card

  • Purchase APR: 26.99% APR
  • Fee: $0

If you frequent Lowe’s for your home improvement needs, this Lowe’s credit card could make your trips a little lighter on your wallet. The card offers 5 percent off all your purchases at Lowe’s. You can also opt for special six-month financing for purchases over $299 or up to 84-month financing on projects over $2,000. Sign up now and receive $30 off your first in-store purchase.

TJX Rewards Credit Card

  • Purchase APR: 27.99% APR
  • Fee: $0

For T.J. Maxx shoppers, the TJX Rewards credit card rewards your loyalty to the entire family of stores, including T.J. Maxx, Marshalls, HomeGoods and Sierra Trading Post — with five points per dollar spent at those stores, plus one point per dollar spent elsewhere. Once you’ve earned 1,000 points, you can redeem them for a $10 gift card. And, if you sign up now, you’ll earn 10 percent off your first in-store or online purchase.

Staples More Account

  • Purchase APR: 28.99% APR
  • Fee: $0

The Staples More Account rewards you for shopping at Staples with 5 percent back in rewards and free next-day delivery on orders of $49.99 or more — excluding oversized items. The commercial account requires you to pay in full each month, but with a personal or business account, you have the flexibility to pay in full or carry a balance. Plus, open a commercial or business account now and you’ll save $50 on your first purchase of $150 or more as long as its made within 45 days of opening the account.

Are Store Credit Cards Right for You?

To avoid dinging your credit score or taking on more debt than you can afford, you shouldn’t apply for a store credit card every time you walk into a new store. But, store cards for stores you frequent offer a range of benefits, including lucrative rewards points, access to special events, annual gifts and exclusive access to VIP promotions.

More major retail card options are expected to be available in upcoming months, as Starbucks recently announced the launch of their credit card with Chase. The coffee shop expects to release their very own credit card to the public this winter, allowing Starbucks fanatics to really start cashing in on their brand loyalty.

Up Next: 10 Best Credit Cards to Build Credit

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.

  • Slammy

    It looks like you’re screwed if you carry a balance at all on any of these cards.