Chip Lupo, Credit Card Writer
@CLoop
The best store-affiliated credit card you can get with a 720 credit score is the Amazon.com Credit Card, which has a $0 annual fee and offers a 1 - 5 points per $1 ($100 for Prime members) after approval. It is available to people with good credit and can be used anywhere Visa is accepted.
The $0 is technically a co-branded card rather than a "store card," since store cards can only be used at the merchants they are partnered with. Most store cards require fair credit or better for approval, and many merchants also offer co-branded cards that can be used anywhere, give better perks, but require higher credit scores. With a 720 credit score, you have a shot at qualifying for most co-branded cards. Below, you can see some of the best store card and co-branded card options.
Store-Affiliated Credit Cards for a 720 Credit Score
- Overall: Amazon.com Credit CardAmazon.com Credit CardLearn MoreLearn More
- Groceries: Capital One Walmart Rewards® Mastercard®Capital One Walmart Rewards® Mastercard®Learn MoreLearn More
- Department Store: Target Credit CardTarget Credit CardLearn MoreLearn More
- Home Improvements: Lowe's Store CardLowe's Store CardLearn MoreLearn More
- Electronics: Best Buy® Credit CardBest Buy® Credit CardLearn MoreLearn More
You can learn more about the best store credit cards on WalletHub.
2023's Best Store Credit Cards
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What are the best credit cards for a 720 credit score?
One of the best credit cards for a 720 credit score is the Wells Fargo Active Cash® Card. Wells Fargo Active Cash rewards cardholders with 2% cash rewards on all purchases, plus $200 cash rewards after spending $500 in the first 3 months, and it has a $0 annual fee.
With a good credit score of 720 and a steady income, you should be able to get approved for some of the best credit cards on the market.
Best Credit Cards for a 720 Credit Score
- Rates & FeesBest for Cash Back: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
Initial Bonus: $200 cash rewards after spending $500 in the first 3 months
Ongoing Rewards: 2% cash rewards on all purchases
... read full answerWhat's the difference between a store card and a credit card?
The main difference between a store card and a credit card is that a store card usually has limited use compared to a regular credit card. Most store cards can only be used for purchases from a specific store or group of stores. Regular credit cards can be used at any merchant that accepts cards from their network – American Express, Discover, Mastercard, or Visa.
Note that many stores also offer cards that belong...
read full answerHow do store credit cards work?
Store credit cards work like regular consumer credit cards, meaning you can make purchases on the card and then you can pay your balance off either in full, or over time. The difference is that with a store credit card, you’re typically limited to purchases within a certain store (online and in person) or multiple stores affiliated with a particular brand.
The exceptions are store cards that belong to a particular network, such as Visa or Mastercard....
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