To identify the best store credit cards on the market, our editors compared the offers affiliated with the largest and most popular retailers based on their sign-up bonuses, regular rewards and annual fees. After all, store cards are best known for big discounts on the day of account opening, ongoing benefits for loyal customers and fairly lenient approval requirements. And paying an annual fee would be unwise for a card you don’t use everyday or when credit improvement is your top priority.
2017’s Best Store Credit Cards
|Store Credit Card||Annual Fee||Sign-Up Bonus||Regular Rewards|
|Amazon.com Store Card||$0||$10 gift card||5% back (for Prime members)|
|Toys R Us Store Card||$0||15% off first purchase||8% back|
|TJX Store Card||$0||10% off first purchase||5% back|
|Victoria's Secret Credit Card||$0||N/A||4% back|
|Target Credit Card||$0||N/A||5% back|
|Saks Fifth Avenue Store Card||$0||10% off first purchase||2% to 6% back|
|Walmart® Store Card||$0||10% off first purchase+$10 eGift card||1% to 3% back|
|Lowe's Store Card||$0||N/A||5% back|
|Staples® Credit Card||$0||N/A||5% back|
Pro Tip: We do not recommend using a store credit card to finance big-ticket purchases. Not only do the best 0% credit cards offer much better deals, but 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.
Image: grinvalds / iStock.