Store Credit Cards
WalletHub makes it easy to find the best store credit card for you.
Best Store Credit Cards
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, 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
- $0 annual fee
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® Walmart Rewards® Mastercard®
Costco Anywhere Visa® Card by Citi Costco Anywhere Visa® Card by Citi

- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- *No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCostco Anywhere Visa® Card by Citi
Kohl's Credit Card Kohl's Credit Card

- Save 35% on your first purchase using your new Kohl’s Credit Card.
- Earn 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.
- Use your Kohl's Cash® with your Kohl's Charge discounts.
- See More Details & Reviews About TheKohl's Credit Card
Apple Card Apple Card

- Every time customers use Apple Card with Apple Pay, they will receive 2% Daily Cash.
- Customers will also get 3% Daily Cash on all purchases made directly with Apple, including at Apple Stores, on the App Store and for Apple services.
- Apple has also designed a titanium Apple Card for shopping at locations where Apple Pay is not accepted yet. For purchases made with the titanium Apple Card, customers will get 1% Daily Cash.
- Save 6% on Apple products when you pay in full with a new Apple Card through March 31. Purchases made with Apple Card Monthly Installments are excluded. Additional terms and exclusions apply.
- Apple Card gives customers easy-to-understand, real-time views of their latest transactions and balance right in Wallet, and Apple Card support is available 24/7 by simply sending a text from Messages.
- Equal Monthly Payment Financing: 0% APR for 6, 12 or 24 months on qualifying purchases.
- See More Details & Reviews About TheApple Card
Best Buy® Store Card Best Buy® Store Card

- Get 5 points per $1 spent (10% back in rewards) on your first day of purchases made on the credit card within 14 days of account opening.
- Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit.
- Get 3 points (6% back in rewards) by spending at least $3,500 in purchases in a calendar year.
- Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
- Enjoy exclusive discounts and events and free shipping on purchases $35 and up.
- Deferred Interest Details: No Interest if paid in full within 12 months on storewide purchases of at least $299.
- Deferred Interest Details: No Interest if paid in full within 24 months on unlocked phones and Geek Squad® purchases of $649 or more.
- Deferred Interest Details: No Interest if paid in full within 24 months on select exercise equipment and Geek Squad® purchases of $799 and up.
- Deferred Interest Details: No interest if paid in full within 24 months on home theater and Geek Squad® purchases totaling $999 and up.
- Deferred Interest Details: No interest if paid in full within 18 months on appliance and Geek Squad® purchases totaling $599 and up.
- Extended purchasing plans – 0% - 11.99% APR for 24 months, 8.99% - 12.99% APR for 36 months or 11.90% APR for 48 months on select purchases eligible for the reduced rate credit plan.
- See More Details & Reviews About TheBest Buy® Store Card
Macy's Store Card Macy's Store Card

- Save 20% when you open and use your card. A total savings of up to $100 on your purchases over first 2 days.
- All members get 25% off any day of choice with Star Passes. Savings events and more.
- Gold (Annual Spend $500 or more) & Platinum members (Annual spending $1200 or more) get free standard shipping on Macy's purchases and a Birthday Offer.
- Platinum members get 5% back (5 points/$1), Gold members get 3% back (3 points/$1) and Silver members get 2% (2 points/$1) in rewards with no exclusions on Macy’s merchandise.
- Add your Macy’s Credit Card to your wallet to access offers in-store and at macys.com.
- See More Details & Reviews About TheMacy's Store Card
Sears Store Card Sears Store Card

- Deferred Interest Details: No interest if paid in full within 12 months on select sitewide purchases of at least $299.
- 5% off select sitewide purchases. Terms apply, cannot be combined with special financing offers.
- See More Details & Reviews About TheSears Store Card
Amazon.com Store Card Amazon.com Store Card

- A $10 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your credit card application.
- Amazon.com Store Cardholders who join Prime are automatically upgraded to the Amazon Prime Store Card.
- Amazon Prime Store Cardholders can earn 5% back on Amazon.com purchases.
- Deferred Interest Details: No Interest if paid in full within 6, 12 or 24 months on minimum purchases of $150, $600 or $800, respectively.
- Equal Monthly Payment Financing: 0% APR for 6 or 12 months on minimum purchases of $150 or $600, respectively. 0% APR for 24 months on select purchases with no minimum spending required.
- Get Instant Credit.
- Browse items eligible for exclusive financing offers.
- See More Details & Reviews About TheAmazon.com Store Card
JCPenney Credit Card JCPenney Credit Card

- Get an extra 15% off today on select apparel, shoes, accessories, fine jewelry, salon products, furniture, mattresses, home and in-custom design. Extra 5% off select electrics/electronics, Modern Bride Design Your Dream Ring, smart watches and Tempur-Pedic. Terms Apply.
- Earn 1 point for every $1 of qualifying purchases, up to a maximum of 2,000 points in a single purchase transaction.
- Get a $10 JCPenney Rewards certificate for every 200 points.
- Earn additional JCP Rewards and discounts when you reach Gold or Platinum status with qualifying purchases and points.
- Provide your email address to get your $10 rewards via email.
- Limited time offer - Deferred Interest Details: No interest if paid in full within 18 or 24 months on qualifying furniture & mattress purchases of at least $499 or $999 (after discounts).
- Limited time offer - Equal Payment Financing: 0% APR for 48 or 60 months on qualifying furniture & mattress purchases of at least $1,499 or $2,499 (after discounts).
- See More Details & Reviews About TheJCPenney Credit Card
Lowe's Store Card Lowe's Store Card

- Get 20% off your purchase today when you open and use your card (up to $100 discount).
- Choose between 5% off every day and special financing.
- Deferred Interest Details: No interest if paid in full within 6 months on purchases of at least $299.
- Reduced APR Financing: 7.99% APR for 84 months on purchases or orders of at least $2,000.
- Online bill pay and account management.
- See More Details & Reviews About TheLowe's Store Card
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WalletHub's Best Store Credit Cards

You can check out WalletHub's picks for the best store credit cards in the most popular categories below.
Best Store Credit Cards Compared
Credit Card | Category | Annual Fee |
Target Credit Card | Superstore Credit Card | $0 |
Capital One® Walmart Rewards® Mastercard® | Grocery Store Credit Card | $0 |
Amazon.com Store Card | Store Credit Card for Online Shopping | $0 |
Express Credit Card | Clothing Store Credit Card | $0 |
Fingerhut Credit Account | Store Credit Card for Bad Credit | $0 |
Shell Gas Card | Gas Station Credit Card | $0 |
West Elm Credit Card | Furniture Store Credit Card | $0 |
Lowe's Store Card | Home Improvement Store Credit Card | None |
Finally, we do not recommend using a store credit card to finance big-ticket purchases. The best 0% credit cards offer much better deals, and store-card financing often includes a dangerous feature known as deferred interest. It basically means that if you pay your bill late or don’t pay off your full balance by the end of the promotional financing period, interest charges will be retroactively applied to your entire original purchase amount.
Overview of The Best Store Credit Cards
The best store credit cards are the Target REDcard, the Capital One® Walmart Rewards® Mastercard®, the Lowe's Store Card, and the Amazon.com Store Card. You can check out the rest of WalletHub’s editors’ picks for the year’s best store credit cards below.
There are lots of different types of stores out there. There are also lots of different types of credit cards. So, it should be no surprise that different types of store credit cards exist, too. Sure, store credit cards have a lot in common, considering that most require at least fair credit for approval and don’t charge annual fees. But the specifics of their rewards, interest rates and fees can vary a great deal.
As a result, there’s a lot most people still probably don’t know about store credit cards, despite how popular they are. With that in mind, we’ll highlight a handful of important features that you should make sure not to overlook below.
Disadvantages Store Cards
The biggest disadvantage of using a store credit card is that it will only work at one store or group of stores. As long as you have a general-purpose credit card to use elsewhere, however, that will not be an issue. On that note, if you have good or excellent credit, you may get approved for a retailer’s co-branded credit card, which has a Visa, Mastercard, Discover or American Express logo and can be used anywhere that card network is accepted.Another disadvantage of store credit cards is that they often have high interest rates, dangerous promotional financing or both. The average store credit card APR is 23.91%, according to WalletHub’s latest Credit Card Landscape Report. And if a store card offers a 0% introductory APR, it probably has deferred interest. To avoid these pitfalls, simply use store credit cards only for purchases that you’ll be able to pay for in full by the due date each month.
Minimum Credit Score Store Cards
The minimum credit score for most store credit cards is 640, if you want good approval odds. Store credit cards typically require at least fair credit for approval.Interest Rate on Store Cards
Interest rates on store credit cards depend on the overall creditworthiness of each applicant. The average store credit card interest rate is 23.91%.Points on Store cards
Store credit card rewards usually come in the form of cash back or points, redeemable for store credit or a statement credit on the credit card account, among other redemption options that vary by retailer. Store credit card points are worth around 2 cents each, on average.Methodology
To identify the best store credit cards on the market, WalletHub’s editors regularly compare more than 200 store credit card offers, including both store-only cards and cards co-branded between a retailer and a major card network. We compare the cards based on their rewards, fees, interest rates, approval requirements, and any key benefits or perks they provide. Store accessibility also plays a big role. Retailers with thousands of locations and representation in every state receive preference over smaller, more localized retailers, all else being equal.
Given that a wide range of different types of stores exist, we separate our picks for the best store credit cards into a handful of popular categories. They range from grocery stores and department stores to gas stations and online retailers.
Questions & Answers
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Featured Credit Cards
Ask the Experts
- Why do store credit cards tend to have lower credit-standing requirements than general-purpose cards with equivalent terms?
- How do retailers establish the terms (i.e., rates, rewards and fees) for their store credit cards?
- Is a great store credit card enough to make a retailer more popular?
- Is it a bad idea to apply for a credit card in a store?
- How many store credit cards is too many? (For example, should consumers get a store credit card for all of their favorite retailers?)
- How does the value of store credit at a favorite retailer compare to the value of cash?
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Alex Milovic
Assistant Professor of Practice – Marketing, Marquette University
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Daniel Sheehan
Assistant Professor in Marketing and Supply Chain, University of Kentucky
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Laura Mattia
Raymond James Financial Director Personal Financial Planning Program, Muma College of Business, University of South Florida
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Michel Ballings
Vice President of the INFORMS Social Media Analytics Subdivision, Assistant Professor of Business Analytics, The University of Tennessee, Haslam College of Business, Department of Business Analytics and Statistics
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Julia Cronin-Gilmore
Ph.D., Director of Marketing Degrees, Professor, College of Business, Bellevue University
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Yiyuan Liu (Ava) and Ting Li
Assistant Professor of Marketing at the Department of Business, Accounting & Economics at Otterbein University Ohio; Assistant Professor of Finance at the Department of Management and Business at Skidmore College
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