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 cards to get.
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.
Get 5% back in rewards for Best Buy purchases and 6% back if you are an Elite Plus Card member. 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:
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.
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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:
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.
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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:
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.
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:
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.
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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:
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.
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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:
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.
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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:
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.
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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:
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.
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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:
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.
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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:
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.
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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:
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.
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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.
