Staples® Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Staples® Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditHigh Regular APRDeferred interest
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Staples® Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-733-2713
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The credit score that you needed for the Staples® Credit Card was 640, at a minimum. This means at least fair credit was required for approval. However, the Staples® Credit Card is no longer available to new applicants.
Alternative Credit Card Option
If you're looking for a similar credit card, you should consider the Office Depot Credit Card, instead. This card also requires at least fair credit for approval (a credit score of 640+). Plus, you can earn 2% back in rewards on all eligible purchases made at Office Depot.
Most of the time you won't need your ID to use your Staples credit card in store, but there can be times where you may be asked for it depending on the situation.
Share your insights and review for the Staples® Credit Card
5
27%
4
47%
3
15%
2
6%
1
5%
3.8
275 reviews
275 reviews
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Daniel Sales @daniel_sales_75641
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4 Star Rating
The Staples store card is a pretty basic store credit card. If anyone has had a credit card before then they understand the routine here. About a 28% interest rate late fees and a 25 day grace period are fairly common. But where this card really shines is in it's 5% back on purchases. It is amazing, especially when compared to the Office Depot card that only gives a 1% return. The drawback, though is that Office Depot allows for as low as a 19% interest rate. Where one's Staple's Card will always be at the fixed 27%. As long as the Store Card bill is paid on time however, the amount saved will have been 5 times that of the Office Depot card.
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3
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Jonathan Doebly @john.doebly
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4 Star Rating
I've had my Staples store card for about a year now and I'm really pleased with it. At first glance I was a little reluctant with such a high interest rate but the cashier told me I would be saving about fifty dollars if I signed up. I did sign up with the intention of canceling it but the next time I went to the store I noticed how many things were on the 5% discount. Almost everything in a staples has the discount if you have your card. The 28 percent interest is high but when you pay it off at the end of the month you just saved a lot money. They also have specials for the card holders all the time. Every couple of months they have buy one bundle of paper and get one free with a limit of ten, great deal. Altogether the interest rate is higher than say my Khols card but you get to use it a lot more and save a little more.
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10
3
Jordan Webb @jordan_webb_9212
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4 Star Rating
The Staples Store Card is a fairly standard store credit card that could be relatively beneficial to individuals or business that spend frequently on office supplies. The standard, flat rate of 5% cash back is a pretty nice reward. However, this comes at a big price, as there is a 28% interest rate that cannot be changed. This card is pretty nice though, since it can be linked to a Staples Rewards program pretty easily, so that even more benefits can be earned! The online statements and account management is rare for a store card and a very nice feature.
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3
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Ben Matthews @ben_matthews_948494
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2 Star Rating
For a store card the Staples Store Card is pretty below average. By buying things with the card you get 5% back, but you can get that without needing a credit card so I can't honestly factor it into this cards rewards program. The only real benefit of this card are the perks you get in store. If you own a business you might need the itemized receipts, or the dedicated line of credit for Staples only. But I'm guessing that the average person does not need it. Use a regular credit card and get at least 1% back, and use your Staples Rewards card in store and get the 5% back as well to maximize your spending.
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Alex Steven @alexs_14
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4 Star Rating
The staples store card is a decent card. The reward for shopping at Staples is great; 5% back on all items bought. This is especially good for me since I recently went back to school and had to get a lot of pens and supplies, and typically restock on ink/paper/pens at Staples. I even bought an expensive fountain pen for a good price because of the rewards. The interest rate is pretty high, though, which isn't good. APR is also kind of high. If you see yourself at Staples a lot, this is an obvious choice. If not, there could be other cards for you.
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1
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Miz Michele' @Miz.Michele
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4 Star Rating
I used to be one of those people who applied for, and had, just about every kind of credit card you could think of, until I realized that was not a smart thing to do. I whittled down my pile and am so glad I kept the Staples card.
The biggest benefit is the 5% cash back on all of your purchases, whether it is online at your local Staples. I find I use it more than some of the other office supply charge cards I kept because they do have some great finds in the store, particularly their notebook system that has removable pages.
The downside is their APR rate. It's very high so to get the most out of the 5% cash back is to simply pay your bill in full so you realize the full benefit. If you do that, it's a great card to have.
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4
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Sheryl Papageorgio @sheryl.papageorgio
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4 Star Rating
If you plan on making a big purchase at Staples, the Staples Store Card is a no brainer. It's reward system is simple, you get 5% back on all purchases at Staples every single day. This is great if you have a business which frequently visits staples, or even if you plan on making some big purchases like a computer, office furniture, or anything really. Typically store cards top out around 5%, and Staples is no different. Office supply is not a common category to get 5% back on with other credit cards, so the Staples Store Card is worth looking in to for sure.
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5
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ursula kafka @tragicflaw
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4 Star Rating
This would be a great card for just about anyone who ever shops at Staples. 5% back on all purchases, so even if you're an infrequent customer you'll get something out of it. If you're thinking of making a big purchase, this is like an automatic discount. The Staples Store Card is like a lot of store cards in that they'll give it to almost anybody and the interest rates are astronomical. Just pay off your balance before it accrues interest and you're getting a bargain. I think this would be a good card for someone who needs to build up their credit, as well.
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1
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Tim @knudlen
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4 Star Rating
The Staples card has been a, well, staple of my purchasing for awhile now. Like a lot of these store type cards, the interest rate is generally pretty high so it definitely doesn't pay to carry a balance, but there are more than enough benefits to using it that makes it worthwhile to pay off your balance each month. The flat 5% off your purchases is worth it, even if you are not a frequent staples shopper. it's a great card to use to save some money and use as a credit score booster by paying off your small purchases each month.
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2
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David Lawson @david.lawson.549668
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4 Star Rating
I've had my Staples card for about a year now. I love Staples, you can get some great deals there, so I decided to apply for a card. The application process was fairly quick and I had my card in a little over a week. I'm happy to have the convenience of the card, and I like that you automatically receive staples rewards. It doesn't have any outrageous fees, providing you do the right thing. However, as some others have pointed out, the rate is a bit high, so I don't generally like to carry a balance on it for too long. But like all credit, use it wisely, do the right thing, and you'll be OK. So far I haven't had any problems.
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