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Best Capital One Store Credit Cards
WalletHub makes it easy to find the best Capital One store credit card for you.
There are a few Capital One store cards available right now, representing retailers ranging from Kohl’s to Saks Fifth Avenue. Capital One store credit cards can only be used at the retailers they’re affiliated with, so t… show more… show moreÂ
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Best Capital One Store Cards
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Capital One Walmart Rewards® Mastercard® Capital One Walmart Rewards® Mastercard®

- Earn 5% cash back on Walmart.com purchases, including pickup and delivery
- Earn 2% cash back on purchases in Walmart stores and fuel stations, 2% cash back on restaurants and travel purchases, and 1% cash back on all other purchases everywhere else Mastercard® is accepted
- Introductory offer: Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
- Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
- Up to 5% back on Walmart purchases
- No annual fee
- No foreign transaction fee
- No promotional financing offers
- Above-average regular APR
- $0 annual fee
- No foreign transaction fees
- See More Details & Reviews About TheCapital One Walmart Rewards® Mastercard®
Kohl's Credit Card Kohl's Credit Card

- Save 35% on your first purchase using your new Kohl’s Credit Card within 14 days of credit approval.
- Earn 7.5% back in rewards on every qualifying purchase made at Kohl with your new card. Enrollment required.
- Cash promotional events from time to time. During these events, select purchases earn an additional $10 for every $50 spent in a single transaction during the event.
- Enjoy a special anniversary offer every year.
- This card entitles you to extra savings offers throughout the year.
- Spend $600 with your card by the end of the year to receive additional offers throughout the year and enjoy monthly free shipping events.
- No membership fees
- 35% discount initial rewards bonus
- Qualify with fair credit
- No intro APR on purchases
- High Regular APR
- Use your Kohl's Cash® with your Kohl's Charge discounts.
- See More Details & Reviews About TheKohl's Credit Card
Cabela's Credit Card Cabela's Credit Card

- Earn $20 in CLUB points (2,000 Points) upon approval. Earn an additional $10 in CLUB points (1,000 points) after making two Bass Pro Shops or Cabela's purchases, plus another $10 in CLUB points (1,000 Points) after making five purchases anywhere Mastercard® is accepted within the first 30 days of account opening.
- Earn 2 points per $1 spent on all Cabela's and Bass Pro Shops purchases.
- Earn 1 point per $1 spent everywhere else with no cap and no expiry. Terms Apply.
- Redeem points for merchandise at Bass Pro Shops and Cabela's or at Bass Pro Shops restaurants and resorts through the mobile app.
- Gain access to member-only CLUB events & offers.
- No membership fees
- High rewards rate
- up to 4,000 Points initial rewards bonus
- No foreign fee
- Spending caps on rewards
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- 9.99% APR for Cabela's and Bass Pro Shops Purchases.
- 3% Balance Transfer Fee for balance posted at a promotional APR. None for balances transferred at the Regular Transfer APR.
- Free Online Services.
- Apple Payâ„¢ allows you to pay at any participating merchant with a single touch.
- See More Details & Reviews About TheCabela's Credit Card
Pottery Barn Credit Card Pottery Barn Credit Card

- Earn 10% back for the first 30 days when you use your card at Pottery Barn or at any of the seven family brands.
- 5% back in rewards online and in stores across the seven family brands.
- 4% back in rewards at grocery stores and restaurants (excludes fast food); and 1% back in rewards on everything else.
- For every $20 of Rewards you earn, you will receive a $20 Rewards Certificate
- Celebrate with a $25 birthday reward sent annually to your email when you shop with your Card.
- Free standard shipping on eligible purchases in-store or online.
- No membership fees
- 0% intro APR on purchases
- 10% back in rewards initial rewards bonus
- Bonus categories
- No intro APR on balance transfers
- High Regular APR
- Requires excellent credit
- Choose between 5% back in rewards or 12 Month optional promotional financing on purchases of $750 or more.
- See More Details & Reviews About ThePottery Barn Credit Card
Neiman Marcus Store Card Neiman Marcus Store Card

- Receive 5,000 InCircle Bonus Points after making your first purchase within 30 days of account opening.
- Earn 2 InCircle points for every dollar spent up to $74,999 in purchases per year. At the $75,000 spending threshold, earn 5 InCircle points per dollar thereafter on calendar year-to-date net purchases.
- For every 10,000 points earned, you'll get a $100 Point card.
- Circle Two and above receive complimentary 2-day shipping. Check code on website.
- Plus, receive bonus point opportunities, invitations to shopping events, and more.
- No membership fees
- High rewards rate
- 5,000 points initial rewards bonus
- Qualify with fair credit
- Spending caps on rewards
- No intro APR on purchases
- High Regular APR
- Point card can be used toward purchases made at Neiman Marcus, Bergdorf Goodman, Last Call, and Horchow, in stores, online, or by catalog.
- Free 2-day shipping for cardmembers that spend at least $1,000 each year.
- See More Details & Reviews About TheNeiman Marcus Store Card
Pottery Barn Store Card Pottery Barn Store Card

- Earn 10% back for the first 30 days when you use your card at Pottery Barn or at any of the seven family brands.
- 5% back in rewards online and in stores across the seven family brands.
- For every $20 of Rewards you earn, you will receive a $20 Rewards Certificate
- Celebrate with a $25 birthday reward sent annually to your email when you shop with your Card.
- Free standard shipping on eligible purchases in-store or online at Williams Sonoma using a Pottery Barn Credit Card.
- No membership fees
- 0% intro APR on purchases
- 10% back in rewards initial rewards bonus
- No deferred interest
- High Regular APR
- Choose between 5% back in rewards or 12 Month optional promotional financing on purchases of $750 or more.
- See More Details & Reviews About ThePottery Barn Store Card
Menards Credit Card Menards Credit Card

- Get a $10 rebate on the first $100 you spend on the card.
- Earn 2% Rebate on Menards Purchases and 1% rebate on purchases made at Speedway, Holiday®, Kwik Trip® and Kwik Star® stores.
- Plus, earn additional rebate savings on participating brands.
- Rebates are issued four times a year, in the form of merchandise certificates with a $5 minimum, valid only at Menards® stores.
- No membership fees
- $10 initial rewards bonus
- Bonus categories
- Qualify with fair credit
- High Regular APR
- Deferred Interest: No interest if paid in full within 6 months on purchases of at least $299.
- Equal Monthly Payment Financing: 3.99% APR for 48 months on purchases of at least $1,500.
- Limited Time Offer - Equal Monthly Payments financing: 0% APR for 12 months on purchases over $599.
- Choose between 2% Rebate or Special Financing for 6 or 48 months.
- Manage your account, pay your bill online and receive email alerts about your account.
- See More Details & Reviews About TheMenards Credit Card
Saks Fifth Avenue Credit Card Saks Fifth Avenue Credit Card

- Get 10% off your first-day purchases at Saks and Saks Off 5th.
- Earn 2 points per dollar for the first $2,499, 4 points per dollar for $2,500 - $9,999 and 6 points per dollar for all eligible yearly spend over $10,000 at Saks.
- Plus, you’ll earn 2 Points per $1 spent outside of Saks everywhere Mastercard is accepted.
- You must acquire a total of 2,500 points in a calendar year in order to receive a SaksFirst Gift Card. The 2,500 point minimum can consist of any combination of base points or bonus points (in all cases provided that the minimum $1 in eligible net spend at SAKS is met).
- Enjoy Free Standard Shipping, SaksFirst Points Events, Member-Only Events and Free Basic Alterations.
- Unlock access to the Beauty Rewards Program, featuring deluxe samples, all starting when you spend $500 in beauty.
- No membership fees
- High rewards rate
- 10% discount initial rewards bonus
- No foreign fee
- Spending caps on rewards
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- Apply In Store only
- $0 liability on unauthorized purchases
- Price Protection and trip cancellation insurance
- Mastercard global concierge service
- You will first be considered for a Saks Fifth Avenue World Elite MasterCard®. If you do not qualify for that product, you will automatically be considered for a Saks Fifth Avenue Platinum MasterCard®.
- See More Details & Reviews About TheSaks Fifth Avenue Credit Card
Williams Sonoma Credit Card Williams Sonoma Credit Card

- Earn 10% back for the first 30 days when you use your card at Williams Sonoma or at any of the seven family brands.
- 5% back in rewards online and in stores across the seven family brands.
- 4% back in rewards at grocery stores and restaurants (excludes fast food); and 1% back in rewards on everything else.
- For every $20 of Rewards you earn, you will receive a $20 Rewards Certificate
- Celebrate with a $25 birthday reward sent annually to your email when you shop with your Card.
- Free standard shipping on eligible purchases in-store or online.
- No membership fees
- 0% intro APR on purchases
- 10% back in rewards initial rewards bonus
- Bonus categories
- No intro APR on balance transfers
- High Regular APR
- Requires excellent credit
- Choose between 5% back in rewards or 12 Month optional promotional financing on purchases of $750 or more.
- See More Details & Reviews About TheWilliams Sonoma Credit Card
Saks Fifth Avenue Store Card Saks Fifth Avenue Store Card

- 10% discount one-time only on all purchases made on account open day inside Saks. Terms Apply.
- Earn 2 points per dollar spent on your first $2,499 in purchases for the year.
- Earn 4 points per dollar spent on your purchases between $2,500 and $9,999 for the year.
- Earn 6 points per dollar spent on purchases totaling over $10,000 for the year.
- Take advantage of Double Points and Triple Points shopping days.
- SaksFirst Points earned throughout the calendar year are converted into a SaksFirst Gift Card in increments of $25 for each 2500 points (minimum redemption of 2500 points).
- Unlock access to the Beauty Rewards Program, featuring deluxe samples, all starting when you spend $500 in beauty.
- No membership fees
- High rewards rate
- 10% discount initial rewards bonus
- Qualify with fair credit
- Spending caps on rewards
- No intro APR on purchases
- High Regular APR
- Free shipping available in-store at Saks and Saks Fifth Avenue OFF 5TH, saks.com as well as on saksoff5th.com.
- Special offers and promotions from Saks. Early access to fashion events and private sales.
- See More Details & Reviews About TheSaks Fifth Avenue Store Card
Best Capital One Store Cards of 2022
The best Capital One store card is the Walmart® Store Card because it requires just fair credit for approval, doesn’t charge an annual fee, and offers lots of great rewards. That includes earning rates of 2% to 5% back at Walmart. Plus, you can buy pretty much anything at Walmart, which gives the store’s credit card some valuable versatility.
The Walmart Card won’t be the best Capital One store credit card for everyone, though. There are many good offers. And a lot depends on your shopping preferences. With that in mind, we’ll highlight some of the other top offers below.
Best Capital One Store Cards Comparison
Credit Card | Best For | Initial Discount | Regular Rewards |
Walmart® Store Card | Overall | N/A | 2 - 5 points / $1 |
Kohl's Credit Card | Discount | 35% discount | 7.5% in Rewards |
Saks Fifth Avenue Store Card | Big Spenders | 10% discount | 2 - 6 points / $1 |
Menards Credit Card | Home Improvement | $10 | 1 - 2% Rebate |
Neiman Marcus Store Card | Department Stores | 5,000 points | 2 points / $1 |
None of these cards charge annual fees, which makes them about $20 per year cheaper than the average credit card. And they all require just fair credit for approval, which makes them good for credit building.
If you don’t know where your credit stands, you can check your latest credit score for free on WalletHub. And if you find that you have a good or excellent credit score, you should definitely consider a Capital One credit card that you can use anywhere.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Capital One Store Credit Cards FAQ
Comparing capital one store credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. 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 the financial institution’s responsibility to ensure all posts and questions are answered.show more
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