The best shoe store credit card is the Famous Footwear® Credit Card. This card offers $10 off on your first purchase, plus you can earn 1 point per $1 spent on purchases.
While Famous Footwear may offer one of the few shoe store-specific credit cards on the market, many major retailers with extensive shoe departments have their own co-branded cards. Those include Kohl’s, Macy’s, Nordstrom, Target, and JCPenney, among others.
Here are some of the best shoe store/department store credit cards in 2023:
Some of these cards belong to card networks that allow you to use them outside of the affiliated stores. But these cards require at least good credit for approval.
The best store credit card that can be used anywhere is the Amazon.com Credit Card. With this card you can earn 3 points per $1 spent at Amazon.com and Whole Foods Market, 2 points per $1 spent at gas stations, restaurants and drug stores, and 1 point per $1 spent on all other purchases.
What You Should Know Before Applying for a Store Credit Card
Store credit cards that can be used anywhere are known as open-loop cards. Usually, the traditional store cards can only be used for store-related purchases. However, retailers will sometimes offer a store card linked to a credit card network such as … read full answerMastercard or Visa.
Open-loop cards tend to have stricter requirements for approval than their store credit counterparts. You'll typically need good credit or better to qualify. These cards can also earn significant benefits when used outside of the store. At the same time, they still enjoy all the perks and discounts that come with in-store and online purchases.
Here are the best store credit cards that can be used anywhere:
The Amazon.com Credit Card offers $50 Amazon.com gift card upon approval ($100 for Prime members). Plus, you can earn 3 points per $1 spent at Amazon.com and Whole Foods Market, 2 points per $1 spent at gas stations, restaurants and drug stores, and 1 point per $1 spent on all other purchases. The card has a $0 annual fee. It requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
With the Costco Credit Card you can earn 4% cash back on eligible gas (up to $7,000 spent per year), 3% back on restaurants and travel, 2% back on Costco and Costco.com purchases, and 1% back on all other purchases. The card has a $0 annual fee with a paid Costco membership. It requires a credit score of 750, at a minimum. That means you need excellent credit for approval.
With the Walmart Credit Card you can earn 5% cash back in Walmart stores using Walmart Pay for the first 12 months, 5% back on Walmart.com purchases, 2% back at Walmart stores and fuel stations, 2% back on restaurant and travel purchases, and 1% back on all other purchases. The card has a $0 annual fee. It requires a credit score of 640, at a minimum. That means you need fair credit or better for approval.
The Sam's Club® Credit Card offers $30 statement credit after spending $30 in the first 30 days. Plus, you can earn 5% cash back on gas (up to $6,000 spent per year), 3% back on dining, takeout and on Sam’s Club purchases for Plus members, and 1% back on all other purchases (up to $5,000 earned in cash back rewards per year). The card comes with a $0 annual fee. It requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
With the Nordstrom Credit Card you can receive a $40 Note when you make any purchase with Nordstrom. Plus, you can earn 1 - 2 points / $1. The card has a $0 annual fee. It requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
With the Best Buy® Credit Card you can earn 2.5 points per $1 spent on Best Buy purchases, 1.5 points per $1 spent at gas stations, 1 point per $1 spent at restaurants, bars and grocery stores, and 0.5 points per $1 spent on all other purchases. The card comes with a $0 annual fee. It requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
Store credit cards that can be used anywhere offer more flexibility than traditional store credit cards, but unless you want supplemented rewards at a specific store, you may still find more value with a general rewards card.
With the Citi® Double Cash Card – 18 month BT offer, for instance, you can earn 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases). Alternatively, the Bank of America® Customized Cash Rewards credit card gives 3% cash back in a category of your choice and 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly), plus unlimited 1% cash back on all other purchases. Plus, it offers $200 for spending $1,000 in the first 90 days.
The easiest department store credit card to get approved for is the Fingerhut Credit Account, but that’s only if you count an online retailer / mail catalog as a department store. It’s the only store card you can get with bad credit. Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also means you should choose your card based on where you shop the most and which offers the most rewards, since there isn’t much of a difference in their approval requirements. Let’s take a look at a few good options.… read full answer
Here are some of the easiest department store credit cards to get:
Target Credit Card: For people with fair credit. 5% discount at Target and Target.com. Returns extended by 30 days. Free shipping. $0 annual fee.
Walmart® Store Card: For people with fair credit. 2 - 5 points per $1 on Walmart purchases and Walmart & Murphy USA Fuel Stations. $0 annual fee.
Kohl's Credit Card: For people with fair credit. 35% discount on your fist purchase. 5% cash back on every qualifying purchase made at Kohl. $0 annual fee.
JCPenney Credit Card: For people with fair credit. 1 point / $1 on qualifying purchases. Discounts on select items. Annual fee: $0.
Fingerhut Credit Account: For people with bad credit. Easiest store card to be approved for. No rewards. $0 annual fee.
Amazon.com Store Card: For people with fair credit. 5% back in rewards cash back at Amazon.com if you have a Prime account. $10 gift card after approval. $0 annual fee.
There are plenty of other department store cards with great deals too. For example, TJX, Saks Fifth Avenue and Sears all give savings and perks that are worth looking at. Just remember that department store credit cards can only be used at the store that issued them (and sometimes affiliates), so apply for a card from somewhere you know you’ll shop on a regular basis.
Over the phone: Call (800) 433-0091 to make a payment over the phone.
Via mail: To pay your credit card via mail, send a check or money order (but not cash) to the following address:
Comenity Capital Bank PO Box 650965 Dallas, TX 75265-0965
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Also, include your credit card number on your payment to avoid any processing delays.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.