Chat
Customer Service: (800) 404-0254

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.


The Ultimate Black Friday Strategy Guide

In this article you’ll find an in-depth strategy guide for how to tackle your Black Friday shopping this year. Not only that but we’ve provided a guide at the bottom of this article that links to all the Black Friday ads you want (from Target ads to GameStop ads) and their store hours on Thanksgiving day and Black Friday.

The Most Useful Black Friday Shopping Tips

black friday shopping

Tip 1: Hire a Babysitter

Bringing small children along with you to shop on Black Friday isn’t a great idea. Generally they’ll be too young to enjoy the crowds and long waits in line. In fact, they’ll probably hate it and keep you from being out as long as you could be without them. They’ll just get tired, hungry, and bored so keeping the kids safe at home with a spouse or babysitter is better.

Tip 2: Make a Budget

The very first thing you’ll want to do when planning your Black Friday strategy is figure out your budget. This is important so that you stay in control of your finances and not blow all your money on Black Friday. A budget will let you know how much you’re allowed to spend.

Tip 3: Check Out the Ads

Do some pre-shopping preparation by researching what you want to buy now. You can check out the prices of things you want by looking through Black Friday ads beforehand. Make a list of the things you want from each catalogue. Include in your list the price of each item, where they can be purchased, and whether they can be purchased online. This will give you a kind of master shopping list so you can see all of your options.

Tip 4: Prioritize Your Shopping List

Don’t buy everything on your master shopping list. Instead, number the items on your list from most to least important. That way you can match your final shopping list to the budget you made in the first step. Planning your Black Friday shopping trip to this extent can also help you not impulse buy the whole store.

Tip 5: Make Black Friday Shopping a Bonding Experience

There’s no reason shopping on Black Friday can’t be a fun bonding experience with you and your fellow shopping lovers. Make an event out of it by preparing together and using all that line waiting to talk with and bond with your shopping buddies. You can also make the experience a fun time to bond by going out to eat a victory meal once all your shopping is done!

Tip 6: Plan Your Shopping Trips

Actually schedule and plan your shopping trip. Make a shared schedule with everyone you’re shopping with and mark down what order you plan on visiting each store. That way you won’t be left debating where you should go first when you get in the car to start your Black Friday trip. Instead you’ll already have it all figured out.

Tip 7: Skip the Doorbusters

Instead of going Black Friday shopping when everyone else is out flooding the roads and the stores, feel free to go shopping way earlier or way later than everyone else! If you go after the bustle you may not find as many things still in stock, but your overall shopping experience will be much calmer.

black friday shopping tips

Tip 8: Don’t Forget to Shop Online

Don’t forget that you can shop online too. In fact, you can find a lot of Black Friday deals that are exclusive to the stores website now, meaning you have to purchase some things online to get the Black Friday deal. There’s also the matter of stores and roads becoming extremely overcrowded every Black Frida, so if you can find what you want online instead, you’ll save yourself a lot of hassle and help keep the stores and roads less congested.

Tip 9: Don’t Miss the Deals Around Black Friday

A lot of stores now have Black Friday deals that happen before and after the actual day. In some cases you might even be able to skip shopping on Friday to go to those sales instead. When planning you trip and checking out the deals around Black Friday, don’t miss the sales going on before and after Black Friday too.

Tip 10: Don’t Use a Cart

Don’t use a cart if you can. It’ll just take up space in the already crowded aisles and keep you from being speedy as you maneuver through the store. That being said, if you’re buying something heavy or big, don’t hurt yourself by trying to carry it.

Tip 11: Dress for the Occasion

Make sure you dress right for Black Friday shopping. It is going to be cold outside, but warm inside the busy stores. You are also going to be on your feet a lot and possibly need to carry a lot of shopping bags around. Keep all of these factors in mind when you choose your Black Friday battle outfit. Wear shoes that have thick insoles (like your running shoes) so your feet will have adequate support for standing in line for a long time. Wear warm, long sleeve clothes for if you need to wait outside before stores open, but don’t wear anything too bulky or too warm since you’ll also be waiting in long lines inside hot, overpopulated stores as well. Wearing long sleeves with a vest or medium sized jacket should give you the right blend. Try to not carry a purse while Black Friday shopping since you want to travel light. Instead carry a small, pocket-friendly wallet, or a smaller purse so you can travel light.

Tip 12: Check the Deals are Worth It

Make sure the prices are actually a worthwhile deal before you go through all the trouble to get them. Sometimes similar deals come up later in the year when shopping isn’t so crazy. It’s also a good idea to know the original price of the item so you can see if you’re actually saving all that much.

Tip 13: Bring Your Own Shopping Bags

By bringing your own shopping bags you can help out the environment a little, and also make your life easier. With your own shopping bags you can carry around the items you want to purchase more easily while you finish shopping and wait in those long lines. But carrying a bag will leave you with a lot more mobility in the store then a cart will.

Tip 14: Form Teams

Make teams so that you can divide and conquer your Black Friday shopping goals. You can send your teams to different stores so you can all finish the shopping a lot faster than if you all had to go to each store together.

Tip 15: Do in Store Pick Up

Take advantage of the in store pick up feature when you can. Even on Black Friday some store will still let you buy online and pick up in the store. Then you can possibly avoid some lines!

Tip 16: Be Mindful of Your Funds

Make sure you keep track of your funds and how much you’re spending at each store. For instance, if you’re paying in cash, keep in mind how much cash you have so you don’t suddenly find yourself short once you finally make it to the cashier. If you’re paying with a card then make sure you know how much is on it so you don’t end up with any overdraft fees.

Tip 17: Bring Snacks!

Bring a snack! Keep yourself energized and fueled so that your Black Friday shopping experience can be a positive one. Having snacks can help your team stay positive too.

The Ultimate Guide to Black Friday Ads

black friday store hours

Check out the Best Buy Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: opens at 5:00pm

Friday 29: closes at 1:00am. The doors open again at 8:00am.

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): opens at 5:00pm until 1:00am the next morning

Check out the Target Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: opens at 5:00pm

Friday 29: closes at 1:00am. The doors open again at 7:00am.

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): open from 5:00pm until 1:00am the next morning.

Check out the Walmart Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: opens at 6:00pm

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): opens at 6:00pm

Check out the Amazon Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: all day online

Friday 29: all day online

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): all day online

Check out the Kohls Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: open from 5:00pm to 12:00am (midnight)

Friday 29: open from 8:00am to 12:00am (midnight)

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): open from 5:00pm to 12:00am (midnight)

Check out the Home Depot Black Friday Ad

Best Buy Black Friday Store Hours:

Friday 29: opens at 6:00am

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): closed all day

Check out the Costco Black Friday Ad

Best Buy Black Friday Store Hours:

Friday 29: opens at 9:00am

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): closed all day

Check out the GameStop Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: open from 3:00pm to 10:00pm

Friday 29: Opens at 7:00am

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): open from 3:00pm to 10:00pm

 
Black Friday is a fun and exciting time. There are so many important deals that you can take advantage of, and with a personal loan you can make sure you have enough funds to get all the Black Friday discounts you need. But while you do your shopping this year remember that it’s still the season of giving and gratitude, so be kind to your fellow shoppers.


READ MORE

Use these tips to get even more deals this Black Friday, “Find the Best Black Friday Sales with These 5 Tips.”

Read about what to do AFTER Black Friday shopping, “The Aftermath of Black Friday.”


NEED QUICK CASH?

start your application

* Required Field

 

  • HACKER SAFE certified sites prevent over 99.9% of hacker crime.
  • Cashwise
  • RLS
  • Check City BBB Business Review
  • UCLA

Apply Now Or Call 1-800-404-0254

Find A Location | Rates and Fees | Contact Us | Wireless Policy | Terms of Use | Privacy Policy | © 2004-2020 Check City Online. All Rights Reserved.