The 7 Best Store Credit Cards of 2019

Get rewards from the places you love to shop

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Store credit cards are affiliated with a store brand and occasionally sister stores owned by the same company. Store credit cards give you the ability to accumulate rewards you can apply to a future purchase. Some store credit cards also offer special financing deals that allow you to pay off your balance over time.

Keep in mind that special financing on store credit cards typically means deferred interest. You must pay your full balance during the special financing period, otherwise, you’ll be hit with retroactive interest dating back to the date you first opened your account.

When you’re choosing a store credit card, take a look at the rewards and discounts, special financing, interest rate, and your ability to use the credit card for purchases outside of that particular store.

01
Best for Clothes: Gap Visa

GAP
Courtesy of GAP

Sign up for the Gap Visa and receive 20 percent off your first online purchase and free shipping. Since the Gap Visa is a co-branded store credit card, meaning it’s partnered with a major credit card processing network, you can use it outside of Gap stores wherever Visa credit cards are accepted.

With your Gap Visa, you’ll earn five points for every $1 spent in GAP, Old Navy and Banana Republic; and 1 point for every $1 spent everywhere else. You’ll receive a $5 reward for every 500 points you earn. Enjoy an extra 10 percent off every day every time you shop at Gap and Gap Factory stores, bonus point shopping days, as well as a special gift on your birthday.

After you earn 5,000 points in a calendar year, you’ll be upgraded to Gap Silver status which gives you 20 percent quarterly bonus Reward points, free online shipping with no minimum purchase required, free basic alterations on Banana Republic purchases and access to “Choose Your Own Sale Day.”

Important Pricing: APR is 26.99 percent, and there is no annual fee.

02
Best for Wholesale Clubs: CostCo Anywhere Visa

Costco Anywhere Visa
Citi

The CostCo Anywhere Visa pays four percent back on the first $7,000 in eligible gas purchases worldwide each year; three percent back on restaurant and eligible travel purchases worldwide; two percent cash back on all other purchases from Costco and Costco.com; and one percent on everything else including annual gas purchases over $7,000.

You can use the CostoCo Anywhere Visa at Costco and anywhere Visa is accepted to maximize the rewards you earn. Your cash back accumulates all year long, then it’s paid as an annual reward certificate after your February billing statement closes. Take your rewards statement to Costco and redeem it for cash or merchandise.

The CostCo Anywhere Visa is issued by Citi, which gives you access to Citi benefits, including damage and theft purchase protection, extended warranty, worldwide car rental insurance and more.

Important Pricing: The regular APR on purchase and balance transfers is 17.24 percent. There’s no annual fee, but you must have a paid Costco Membership to receive the card.

03
Best for Electronics: Best Buy Credit Card

Best Buy
Courtesy of Best Buy

The Best Buy Credit Card allows you to earn rewards you can apply to future Best Buy purchases. Or, with certain purchases, you can opt for special financing which gives you the flexibility to pay off purchases over time.

Get 10 percent back in rewards on your first purchase. Choose between 5 percent back in rewards or flexible financing. If you’re on the market for major electronics or appliances, the Best Buy Credit Card is a great one to earn rewards or break up your purchase into payments and avoid paying interest.

The length of time for special financing depends on your purchase amount: purchases $199 and up get six months special financing; purchases $399 and up get 12 months special financing; major appliance purchases get 18 months special financing. Get 24-month financing on home theater and Geek Squad purchases totaling $799 and up, as well as 24-month financing on unlocked phone and Geek Squad purchases totaling $649 and up.

Important Pricing: The current APR is 27.24 percent, and there is no annual fee.

Best for Fast Shipping/Online Shopping: Amazon Prime Store Card

The Amazon Prime Store Card pays five percent cash back on all the purchases you make on Amazon.com. Plus, with your Amazon Prime membership (required to get the card), you’ll also enjoy two-day shipping on all eligible purchases.

You’ll also have the option of choosing between five percent cash back or special financing on purchases over a certain amount. Purchases over $149 qualify for six months special financing and $599 or more qualifies for 12 months special financing. Certain items are even eligible for 24 months special financing. If you can pay off the balance in full within 30 days, the five percent cash back is typically a better deal.

Keep in mind the Amazon Prime Store Card can only be used on Amazon.com, which isn’t a necessarily a bad thing considering Amazon’s wide selection of products. If you spend more than $2,000 in Amazon purchases a year, the five percent rewards will allow you to break even on your Prime membership which is $99 annually.

Important Pricing: The APR is 27.99 percent, and there’s no annual fee.

05
Best for Everyday Shopping: Target REDCard

Target
Courtesy of Target

The five percent discount offered with the Target REDCard is hard to beat. Target shoppers can get a five percent discount on all the everyday essentials on in-store and online purchases each day, even on in-store Starbucks purchases. The discount is automatically applied to purchases when you make them – you don’t have to accumulate rewards or turn in any rewards certificates to receive the benefit. You’ll even receive free shipping on most items sold at Target.com.

There are a few exclusions for the discount purchases, including but not limited ​to: previous purchases, prescriptions, clinic services at Target and Target Optical eye exams, certain restaurants merchants in Target, gift cards and prepaid cards, and gift wrap services at Target.com.​​​

You’ll get an extra 30 days to return items you’ve purchased at Target and Target.com. Note that there’s a debit card version of the Target REDCard that links to your checking account and debits purchases directly from your account. Of course, with the debit card version, there’s no interest to worry about, and you won’t have to make payments on any credit card balance.

Important Pricing: The APR is 24.90 percent and there is no annual fee.

06
Best for Excellent Credit: Macy’s American Express

Macy's
Courtesy of Macy's

With the Macy’s American Express, you’ll save 20 percent both on purchases you make the day you open your account and the next day for a total savings of up to $100. Because the card is co-branded with American Express, you can use it wherever American Express is accepted. You’ll earn five points for every dollar spent on your credit card and receive $10 in Star Money once you accumulate 1,000 points. That works out to $10 in rewards for every $200 spent on your credit card.

Macy’s sends its credit cardholders special Star Passes. These passes give you the ability to saves 25 percent on any day you choose as long as you use your Macy’s American Express for your purchase.

Your purchases can help you achieve Gold and Platinum status and get access to additional rewards. Both Gold and Platinum members get free standard shipping on Macy’s purchases. Platinum members get five percent back in rewards with no exclusions.

Important Pricing: The APR is 27.24 percent, the foreign transaction fee is three percent of the transaction, and there is no annual fee.

07
Best for Furniture: Pottery Barn Credit Card

Pottery Barn
Courtesy of Pottery Barn

The Pottery Barn Credit Card has one of the highest rewards rates of any credit card, store credit card and otherwise. It also has a relatively low-interest rate, compared to other store credit cards.

With the Pottery Barn Credit Card, you’ll earn 10 percent back in rewards on every purchase you make at Pottery Barn, Pottery Barn Kids or PB teen. Throughout the year, you’ll have access to opportunities to earn double rewards. Receive a $25 reward certificate for every $250 you spend on your credit card. You must use your rewards 180 days from when the reward certificate was issued. Unused points that didn’t contribute to a reward certificate expire after 36 months.

If you make a purchase over $750, you’ll have the option to choose between 10 percent in rewards or 12 months special financing. Take the rewards if you can pay off the balance right away – you’ll come out better in the long run.

Important Pricing: The APR is 28.99 percent and there’s no annual fee.

08
Best for Home Goods: Overstock Store Card

Overstock
Courtesy of Overstock

If you enjoy shopping online for designer home goods at a discount, the Overstock Store Card may be the card you need. Once you’re approved, earn 10 percent back in Rewards -- you'll receive a $25 Reward Certificate for every $250 you spend. Or take advantage of no-interest financing for up to 12 months, depending on your purchase amount.

Receive invitations to Double Rewards events throughout the year and early access to private sales.

The APR is 28.99 percent, and there is no annual fee.

About Our Reviews

We are committed to researching and recommending the best financial solutions and products for our readers. The Balance has partnered with CardRatings and may receive commissions from links within our content, but these have no bearing on our reviews or recommendations. The above content has not been reviewed, endorsed, or approved by any card issuers prior to publishing.