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2020 Review: The Best Store Credit Cards

store credit cards review

Which credit card is best? With endless options, it can be hard to choose.

That’s why we’ve compiled a complete list of all the best department store credit cards so you can easily compare different credit card perks in one place! Here you can look at credit cards for bad credit, and some of the easiest department store credit card to get.

Our Store Credit Card Guide:

Credit cards can offer a lot of benefits. You can use them to better budget yourself, when you need extra funds to pay for something, or to accumulate cashback, points, and rewards.

If you need to pay for a larger purchase in installments, you can also take out a Check City Installment Loan and avoid any hassle with multiple credit cards.

Best Buy Credit Card

Get 5% back in rewards for Best Buy purchases and 6% back if you are an Elite Plus Cardmember. Gest the Best Buy Visa Card and also earn 3% back on gas, 2% back on dining and groceries, and 1% back on everything else.

Recommended Credit Score:

Average to Excellent (630 to 850)

Fees:

Annual fee of $0 to $59 depending on your level of creditworthiness

Cash advance fee of $10 or 5% depending on which is greater

Interest Rate:

at least $1

PROS CONS
flexible financing only on purchases of $199+
get 10% back in rewards on your first day of purchases application needs approval
offer both credit and visa cards credit card is for Best Buy purchases only
there are annual fees
there are cash advance fees

The Best Buy Cards are issued by Citibank. If you get the Best Buy Visa Card then you can also enjoy benefits like 3% back on gas, 2% back on dining and groceries, and 1% back on everything else. But the Best Buy Credit Card doesn’t have this option. It is only used for Best Buy purchases online and in stores.

Walmart Credit Card

Get 5% back at Walmart.com, the Walmart app, grocery pickup, and delivery. Get 2% back in Walmart stores, Walmart fuel stations, restaurants, and travel expenses. Get 1% back everywhere else.

Recommended Credit Score:

Fair to Excellent (630 to 850)

Fees:

$0 annual fee

$0 fraud liability

3% balance transfer fee

3% or $10 cash advance fee, whichever is greater.

Interest Rates:

variable rate of 17.99%, 23.24% or 26.99% depending on the level of your creditworthiness.

PROS CONS
mobile friendly app only 2% back in stores
card lock available can only use Walmart fuel stations for the 2% back
get security alerts on your phone credit approval required
you are not liable for fraudulent purchases balance transfer fees

Walmart has 2 kinds of cards—the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card. Your credit score has to meet minimum credit approval requirements with Capital One before they will approve you for the Walmart Credit Card.

Credit Card for Children’s Place

Get 30% off your first purchase, 25% off on your children’s birthdays, 20% off just for getting the card, and get 2 points for every $1 you spend and 100 points for every $5 you spend.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

Shipping fees

Interest Rates:

27.24% APR

PROS CONS
can be used at the Children’s Place or Gymboree can’t be used outside the store
earn 100 points for every $5 you spend subject to credit approval
get birthday rewards can only register 4 of your children’s birthdays

The Children’s Place Credit Card is issued by Comenity Capital Bank. They specialize in branded credit cards. You can get lots of discounts by using a credit card from Children’s Place, but you can’t use it outside the store and there isn’t a lot of available information about the potential fees and interest rates.

Home Depot Credit Card

Get $25 off purchases of $25 to $299, $50 off purchases of $300 to $999, and $100 off purchases of $1,000 or higher.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Interest Rates:

7.99% fixed APR for Project Loans

17.99% to 26.99% APR depending on your level of creditworthiness for the Consumer Card

PROS CONS
get up to $100 off your Home Depot purchases Home Depot Purchases only
financing terms of 6 to 84 months available only get other savings at participating fuel stations with the commercial cards
can borrow up to $55,000 for a Project Loan
no interest for the first 60 days after a purchase

Home depot has 4 major credit cards—the Home Depot Consumer Credit Card, the Home Depot Home Improver Card (the Project Loan Card), the Home Depot Commercial Revolving Charge, and the Home Depot Commercial Account. You can use the Consumer Card and the Project Loan for your own personal use and you can use the Commercial Cards for your business.

Lowe’s Credit Card

Get $5 off every day on all your Lowe’s purchases. You can also get 6 months of special financing, 84 months of fixed monthly payments, and credit cards for your business.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Interest Rates:

7.99% APR on the Lowe’s Advantage Card

26.99% APR with a minimum interest charge of $2 on the Lowe’s Business Cards

PROS CONS
get 5% off on everything Lowe’s Purchases only
special 6 month financing terms available minimum purchase of $299
84 month terms available minimum purchase of $2,000

Lowe’s has one card for personal use called the Lowe’s Advantage Card. With it you can take part in exclusive events and discounts for cardholders and get 5% off on all your Lowe’s purchases. You can also use their 6 to 84 month financing on larger personal purchases.

Lowe’s also has 4 cards for your business—the Lowe’s Business Credit Cards and the Lowe’s Preload Card. These can also get your business 5% off every day, and get you discounts on deliveries and larger lines of credit.

Kohls Credit Card

Get $35 off your first Kohls purchase after getting the Kohls Credit Card. You can also enjoy extra savings, Kohls cash, anniversary offers, mobile payments, and Most Valued Customer benefits after spending $600 at Kohls in one year.

Recommended Credit Score:

Good to Excellent (680 to 850)

Fees:

$0 annual fees

Late fees up to $38

Interest Rates:

26.49% APR

PROS CONS
get exclusive offers throughout the year balance transfers aren’t allowed
get 15%, 20%, and 30% off coupons throughout the year savings aren’t consistent
special anniversary offer each year APR is a variable rate

The Kohls Charge Card is issued by Capital One. You can only use the Kohls Credit Card in their stores, but they do come with monthly discounts, and the ability to make returns without receipts. You can even become a Most Valued Customer (MVC) by spending $600 at Kohls in a single year. Then even more benefits will open up to you.

Get $20 off your first store purchase, get 5 points for every $1 you spend on their brands, get 1 point for every $1 you spend everywhere else, and get a $5 reward for every 500 points.

Recommended Credit Score:

Fair to Excellent (600 to 850)

Fees:

$0 annual fees

$0 fraud liability

Interest Rates:

26.99% APR

PROS CONS
fraud prevention chip
extra 20% off
free shipping
free basic alterations on Banana Republic clothes
same benefits apply at all Gap stores
can be used anywhere that accepts Visa

The Old Navy Credit Card is a part of the Gap Brand. This means that Old Navy Credit Cards, Gap credit cards, Banana Republic Credit Cards, and Athleta Credit Cards all come with the same benefits and can be used interchangeably amongst these 4 stores.

The Gap brand credit cards are all issued by Visa, which means that they can all be used anywhere that accepts Visa cards, not just inside their stores. So you can use them for all your shopping, get 1 whole point for every $1 dollar you spend, and watch your clothes start paying for themselves.

TJ Maxx Credit Card

Get $10 off when you sign up for a TJ Maxx Rewards Card. Earn 5% back in the TJ Maxx family of stores, get 5 points for every $1 you spend in stores and 1 point for every $1 you spend anywhere else.

Recommended Credit Score:

Fair to Excellent (620 to 850)

Fees:

$0 annual fees

Interest Rates:

27.24% APR

PROS CONS
same benefits apply at TJ Maxx, Marshalls, Home Goods, Sierra Trading Post and Homesense can only redeem rewards in the TJ Maxx family of stores
earn 5% back in rewards when you shop in the family
get invites for exclusive offers
can be used anywhere that accepts Mastercard

The TJ Maxx Rewards Credit Card is a part of a larger family of stores. You can also get these same discounts and points at Marshalls, Home Goods, Sierra Trading Post, and HomeSense.

The TJ Maxx Card is issued by Synchrony Bank and Mastercard. It can be used outside this family of stores so you can get 1 whole point for every $1 dollar you spend outside their stores. Rewards can only be redeemed inside their stores.

Amazon Credit Card

Get 5% back on all your Amazon purchases, get 2% back at restaurants, gas stations, and drugstores, and get 1% back on everything else. The Amazon Credit Card also offers 6, 12, 24 month financing terms and 0% APR.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Annual Prime Membership fee

$0 fraud liability

Interest Rates:

0% APR

PROS CONS
use financing terms to make purchases in installments you need an Amazon Prime membership
0% APR
you are protected against unauthorized purchases
can use anywhere that Visa is accepted

The Amazon.com Store Card can offer you financing, zero fees and interest rates, limited time offers, protection against fraud and money back on all your Amazon purchases. It can also get you a percentage back on all your other purchases.

Costco Credit Card

Get 4% back on gas, 3% back on restaurants and travel, 2% back on Costco purchases, and 1% back on everything else.

Recommended Credit Score:

Very Good to Excellent (750 to 850)

Fees:

Yearly Costco Membership fees

$0 foreign transaction fees

Interest Rates:

16.74% APR variable

PROS CONS
earn back the most on gas and travel if you don’t travel a lot
can use anywhere that Visa is accepted you need a Costco membership
you can use this card in other countries if you don’t visit other countries

Your Costco Anywhere Card also doubles as your Costco membership ID. It can also get you an extended warranty on your purchases. Costco also offers cards for your business needs.

Target REDcard

Save 5% on all your Target purchases, enjoy free 2-day shipping, an extra 30 days on returns, and special gifts and offers throughout the year.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fee

$40 cash withdrawal fee on the Target Debit Card

Interest Rates:

25.15% APR variable

PROS CONS
link Target Debit Card to existing checking account $40 cash withdrawal fee
10% discount coupon on your card’s anniversary can only be used at Target

Target has both a Target REDcard Credit Card and Target Debit Card. The Target Credit Card, however, can only be used at Target, so you can’t get points or cashback on other purchases.

How to Pick a Credit Card:

The key to picking out a credit card is knowing which one will most benefit you specifically.

First, think about where you shop the most. You’ll get the most benefit from that card because their best perks are usually for in-store or online purchases. If you don’t know where you shop the most then go to your bank account statements and look at your transaction history.


Capital One Personal Loan

Capital One does not offer Personal Loans, but they do offer other useful services we’ll highlight below. But if you need the Flexibility of a Personal Loan you should definitely check out the Check City Personal Loan!

Does Capital One offer personal loans? No, Capital One does not currently offer personal loans.

It is actually not uncommon for banks to not offer personal loans, like Capital One. Instead Capital One offers other financial products that are worth looking into. They have bank accounts, credit cards, auto loans, and even financial services for your business. But Capital one does not have a personal loan option. There’s no need to worry though, because we’ll highlight where else you can find a personal loan later on in this article.

Capital One Credit Cards: A Quick Look

Pros Cons
Travel and cash rewards Lower credit scores receive the higher rates
Offer cards for businesses 13.74% to 26.99% APR range
Offer cards specifically for students Some cards have an eventual annual fee of $95

Capital One Auto Loans: A Quick Look

Pros Cons
You can finance or refinance a car

There is a minimum monthly income required from $1,500 to $1,800
You can get prequalified

You can’t already have any overdrafts or late payments with Capital One
Loan terms are from 24 to 84 months

Minimum loan amount is $4,000

Basically, Capital One is a great option for traditional banking services. You can use them to have a checking or savings account, get a credit card, or finance your auto loans. They’re also an option for financing your business. But if you need a small loan that you’re free to use for your own personal reasons then you’ll need to keep looking for your perfect loan.

Who are Capital One Loans and Credit Cards Perfect For?

Capital One is a perfect choice for more traditional financial services like credit cards and auto loans. Capital One offers a variety of credit card options that work great for students, business owners, and travelers. Likewise, their auto loans are a worthwhile option if you’re looking to purchase or refinance a car. So if you need a large auto loan or some solid credit card options, and you meet the requirements below, then Capital One bank might be the right choice for you.

  • If you need a large auto loan
  • If you have a lot of travel expenses for tickets, hotels, and dining
  • If you’re a student or business owner
  • If you already have a Capital One account

Who Should NOT Get a Capital One Loan or Credit Card?

If the items mentioned above don’t apply to you, or you just need a fast, small loan for a personal reason, then don’t give up on looking! The perfect loan option for you is out there. If you’re looking for any one of the items listed below then you might want to consider a personal loan provider.

  • If you need a small loan
  • If you want to be done paying back the loan in as little as 6 months
  • If you don’t already have a Capital One account
  • If you need funds fast
  • If your credit score can’t afford the hit from a traditional credit check
  • If you need the loan for any number of personal reasons

An Alternative to Capital One Personal Loans

Check City offers a different kind of personal loan from other loan providers. So if Capital One’s more traditional financial services don’t suit your particular needs then look into a Check City personal loan. It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan near me

  • The straightforward service of a direct lender
  • The safety of a state licensed lender
  • A fast and easy application process
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You don’t have to wait, you can get your loan TODAY
  • You can pay back your loan in as little as 6 months
How to Apply for a Check City Personal Loan

Applying for a Check City Personal Loans is a fast and easy process. All you have to do is visit the Check City Personal Loan Page. From there you can quickly fill out the application on the side of that page. You can also find a nearby Check City store to apply or give us a call to apply over the phone if either of those options works better for you.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

The online application for a Check City Personal Loan is incredibly easy to do, but if you want your funds even sooner, you can apply in the store and get your personal loan funds the SAME DAY! Our personal loans work well for anyone who needs a fast, small loan that you can finish paying off in just 6 months rather than years. Check City Personal Loans are also a helpful option for anyone with a low credit score, or who can’t afford a hard pull on their credit score right now, because we don’t pull a traditional credit report when processing a loan application. If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

Chase Auto Loans Bank of America Auto Loans Capital One Auto Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $4,000 to $600,000 min. $7,500 min. $4,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR depends min. 2.99% to 5.99% depends
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties depends no application fee depends
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 12 to 84 months 60 months depending 24 to 84 months
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600 high credit score subject to credit approval subject to credit approval

 

When you think of loans you often think about the requirements you need to meet in order for your application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

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