John Miller, Credit Cards Moderator
@john_miller
One advantage that a store card has is that it comes with exclusive rewards and benefits for shopping at certain brands. These perks can include discounts, rewards for purchases, and free delivery. This makes store cards attractive to regular shoppers who can enjoy these benefits and improve their shopping experience.
Other advantages that store cards may have is that they can provide financing options, often with 0% interest promotions, and can help build credit. They are also more accessible than some of the best rewards credit cards on the market, because they are available to individuals with fair credit, too.
Notable Store Credit Cards
- No Annual Fee: Target Credit CardLearn MoreLearn More
- No Annual Fee: Target Credit CardLearn MoreLearn Moreon issuer's website
- No Annual Fee: Target Credit CardLearn MoreLearn More
- Online Shopping: Amazon Store CardLearn MoreLearn More
- Online Shopping: Amazon Store CardLearn MoreLearn Moreon issuer's website
- Online Shopping: Amazon Store CardLearn MoreLearn More
- Discounts: Lowe's Store CardLearn MoreLearn More
- Discounts: Lowe's Store CardLearn MoreLearn Moreon issuer's website
- Discounts: Lowe's Store CardLearn MoreLearn More
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If you’re looking to apply for a store credit card, you can check our editor’s picks for the best store credit cards on the market, to explore more options. You’ll be able to check each card’s perks and benefits, to see which one better works for you.
Popular Credit Cards for Shopping from Our Partners
People also ask
What are the benefits of credit cards?
The biggest benefits of credit cards are interest-free financing, $0 fraud liability, and the opportunity for credit building. There are also so-called “secondary credit card benefits”, which may include things like price protection, rental car insurance, and extended warranty protection. In other words, the right credit card can give a cardholder much more than simple spending power.
Some people find it easier to avoid credit cards out of fear of making credit mistakes. However, the more you...
read full answer by WalletHub, Financial CompanyWhat is a store credit card?
A store credit card is a type of credit card that can only be used for purchases at a particular store or group of affiliated stores. Store credit cards are fairly easy to get since they are usually available to people with at least fair credit (640+ credit score). They’re also an inexpensive way to build credit, as they typically come with $0 annual fees.
Popular Store Credit Cards in 2025
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Some stores also...
read full answer by Chip Lupo, Credit Card WriterWhat are the advantages of using a credit card?
The advantages of using a credit card range from credit building and 0% financing, to rewards and cheap currency conversion. Using a credit card also makes certain types of transactions much easier and safer to complete, in addition to providing a host of other benefits.
Top 5 Advantages of Using a Credit Card
- Credit building: Credit cards are valuable for building your credit because credit card companies report your monthly account activity to the...
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