The best clothing store credit cards are T.J.Maxx’s TJX Store Card and the Gap Visa Credit Card because both cards have $0 annual fees, first-purchase discounts of 10% or more, and good ongoing loyalty rewards. Each also works at multiple clothing stores. Overall, 9 of the 10 largest U.S. clothing retailers have their own credit cards, so shoppers have plenty of ways to save. The TJX and Gap cards just happen to be two of the most effective options.
The TJX Store Card can be used at T.J.Maxx, Marshall’s, HomeGoods, Sierra Trading Post, Homesense, and their online stores. The card gives 10% off a cardholder’s first purchase, in-store or online, and 5 points per $1 spent on all purchases. For every 1,000 points that you earn, you’ll get a $10 certificate toward a future purchase.
The Gap Card offers newcomers 20% off their first purchase in-store or online, and 10% off in-store purchases at Gap or Gap Factory on Tuesdays. This card can be used anywhere Visa cards are accepted, but its 5-points-per-dollar rewards only apply to purchases at Gap, Old Navy, Banana Republic, Athleta, and their online stores. Cardholders earn 1 point per $1 spent anywhere else. You can cash in these points for purchases at Gap and its affiliated stores, starting at 500 points for $5.
Other worthwhile clothing store credit cards to consider include the Nordstrom Credit Card ($40 off first $100 purchase), Kohl’s Credit Card (35% first-purchase discount), Amazon.com Store Card (5% off for Prime members), and Target REDcard (free 2-day shipping and 5% off most purchases). Amazon and Target do sell an awful lot of clothing, after all.
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