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The Best Store Credit Cards

March 21, 2023

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. 


Avoid Overspendingwith a Prepaid Debit Card.


Best Buy Credit Card

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:

  • flexible financing
  • get 10% back in rewards on your first day of purchases
  • offer both credit and visa cards

CONS: 

  • only on purchases of $199+
  • application needs approval
  • 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. 

Best Buy Store

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: 

  • mobile-friendly app
  • card lock available
  • get security alerts on your phone
  • you are not liable for fraudulent purchases

CONS: 

  • only 2% back in stores
  • can only use Walmart fuel stations for the 2% back
  • credit approval required
  • 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. 

Walmart store

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: 

  • can be used at the Children’s Place or Gymboree
  • earn 100 points for every $5 you spend
  • get birthday rewards

CONS: 

  • can’t be used outside the store
  • subject to credit approval
  • 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: 

  • get up to $100 off your Home Depot purchases
  • financing terms of 6 to 84 months available
  • can borrow up to $55,000 for a Project Loan
  • no interest for the first 60 days after a purchase

CONS: 

  • Home Depot Purchases only
  • only get other savings at participating fuel stations with the commercial cards

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. 

The Home Depot Store

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: 

  • get 5% off on everything
  • special 6-month financing terms available
  • 84-month terms available

CONS: 

  • Lowe’s Purchases only
  • minimum purchase of $299
  • 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. 

Lowe's Store

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: 

  • get exclusive offers throughout the year
  • get 15%, 20%, and 30% off coupons throughout the year
  • special anniversary offer each year

CONS: 

  • balance transfers aren’t allowed
  • savings aren’t consistent
  • 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. 

Kohl's Store

Old Navy Credit Card

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: 

  • fraud prevention chip
  • extra 20% off
  • free shipping
  • free basic alterations on Banana Republic clothes
  • the 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. 

Old Navy Store

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: 

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

CONS: 

  • can only redeem rewards in the TJ Maxx family of stores

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. 

T.J Maxx Store

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: 

  • use financing terms to make purchases in installments
  • 0% APR
  • you are protected against unauthorized purchases
  • can use anywhere that Visa is accepted

CONS: 

  • you need an Amazon Prime membership

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. 

The amazon logo above an orange background

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: 

  • earn back the most on gas and travel
  • can use anywhere that Visa is accepted
  • you can use this card in other countries

CONS: 

  • if you don’t travel a lot
  • you need a Costco membership
  • 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. 

Costco logo on a laptop

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: 

  • link Target Debit Card to an existing checking account
  • 10% discount coupon on your card’s anniversary

CONS: 

  • $40 cash withdrawal fee
  • 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.  

Target Store

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.