Best Store Credit Cards of October 2020

We’ll help you decide which store cards are worth getting.

We publish unbiased reviews; our opinions are our own and are not influenced by payments we receive from our advertising partners. Learn about our independent review process and partners in our advertiser disclosure.

The best store credit cards on the market know how loyal shoppers want to be rewarded. To find them, we looked at how much value you can get in various categories, including clothes, electronics, furniture, and home improvement. In addition to rewards, we examined promotional financing offers, discounts, and more. Here are our top choices. 

Best Store Credit Cards

Gap Visa Card

Best Overall

,

Best for Clothing

Our Rating Among Store Cards
4.8
Gap Visa Card
Current Offer

Open a new Gap Card online to receive a 20% off your first Gap or Gap Factory product purchase with your new card.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 25.99% variable
Annual Fee $0
Rewards Earning Rate Earn 5 points for every $1 spent at Gap brands. Earn 1 point for every dollar spent on all other purchases.
  • WHY WE CHOSE THIS CARD

    This store card has a lot to like. You’ll earn rewards on every purchase anywhere you shop, and a 20% discount and free shipping on your first purchase, access to special events, and a birthday gift. The card is also our top pick for clothing: when you earn points shopping at Gap, Old Navy, Banana Republic, and Athleta, it’s like getting 5% of your money back to use on future store purchases. Plus, spend just $1,000 each year within the Gap brand network to qualify for Silver cardholder status, which offers extra rewards and shopping perks.

  • PROS & CONS

    Pros

    • Competitive retail rewards earning rate at popular clothing chains
    • Cardholders have access to wide selection of retail perks
    • Elite status may be attainable for loyal shoppers

    Cons

    • Above average APR, even for a retail store-branded card
    • Restrictions on how you can redeem rewards and for how much each month
  • HIGHLIGHTS
    • 5 points per dollar spent on GAP brands.
    • 1 point per dollar spent everywhere Visa is accepted.
    • $5 reward for every 500 points you earn.
    • Access to special events with exclusive discounts.

Amazon Rewards Visa Signature Card

Best Department Store

,

Best for Electronics

,

Best for Furniture

,

Best for Home Improvement

Our Rating Among Store Cards
3.8
Amazon Rewards Visa Signature Card
Current Offer

Get a $50 Amazon.com Gift Card instantly upon credit card approval.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.24% - 22.24% variable
Annual Fee $0
Rewards Earning Rate Earn 3% back on Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drug stores, and 1% back on all other purchases.
  • WHY WE CHOSE THIS CARD

    You can find nearly anything on Amazon.com, so this no-annual-fee card is our pick for consumers who don’t have Amazon Prime membership, but want to earn rewards on purchases such as electronics, furniture, and home improvement items. It offers 3% back in points on all Amazon.com purchases, and you can even earn some extra rewards points on dining, gas, and drugstore purchases not made through Amazon. We like that points are easy to use, and they never expire, which isn’t typical for store card rewards.

  • PROS & CONS

    Pros

    • Competitive cash-back rate for all Amazon and Whole Foods purchases
    • No annual fee or Prime membership requirement
    • Several ways to redeem rewards
    • Instant welcome bonus upon approval—no spending required

    Cons

    • Lower rewards rates than on Amazon Prime Rewards Visa (which requires a Prime membership)
    • No promotional APR deals, unlike other cash-back cards
  • HIGHLIGHTS
    • Earn 3% back at Amazon.com and Whole Foods Market.
    • Earn 2% back at restaurants, gas stations, and drugstores.
    • Earn 1% back on all other purchases.
    • You can redeem your rewards every day toward millions of items when you shop at Amazon.com. During checkout, you can use your rewards to pay for part or all of your purchase. There’s no minimum rewards balance to redeem. 100 points = $1.00 when redeemed toward eligible purchases.
    • Plus, there is no annual credit card fee, no foreign transaction fees, and no earnings caps!

Macy's® Credit Card

Runner-Up for Department Store

,

Runner-Up for Furniture

Our Rating Among Store Cards
3.1
Macy's® Credit Card
Current Offer

Open a Macy's Credit Card and save 20% during your first two days of card membership, up to a total of $100.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 25.24% variable
Annual Fee $0
Rewards Earning Rate Earn up to 5% in rewards at Macy's.
  • WHY WE CHOSE THIS CARD

    A generous rewards rate for big spenders makes this a must-have if you love Macy’s. If you spend at least $1,200 on your card in a calendar year (which should be easy if you’re outfitting a bedroom or living room), you’ll qualify for the highest status in Macy’s Star Rewards program and get 5% back in rewards on all purchases, free shipping, and invites to special events. Plus, new cardholders get 20% off all purchases made within the first two days, for up to $100 in savings.

  • PROS & CONS

    Pros

    • Access to special cardholder discounts and shopping perks
    • Option to earn more rewards by spending more
    • May qualify with fair credit (a FICO score of 580 or above)

    Cons

    • Can only be used at Macy’s, macys.com, or Macy’s Backstage
    • Rewards can only be redeemed for one thing: more Macy’s purchases
    • Above average (and high) APR, even for a store card
  • HIGHLIGHTS
    • Open a Macy's Credit Card & Save 20% today & tomorrow up to a total of $100.
    • Become a Macy's Cardholder & earn more on every purchase at Macy's except Gift Cards, services & fees.
    • Every time you shop, you'll get closer to unlocking additional benefits.
    • 1,000 points = $10 in Star Money.

The Home Depot® Consumer Credit Card

Runner-Up for Home Improvement

Our Rating Among Store Cards
2.9
The Home Depot® Consumer Credit Card
Current Offer

Save up to $100 on your first in-store purchase.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 17.99% - 26.99% variable
Annual Fee $0
Rewards Earning Rate This card does not offer a rewards program.
  • WHY WE CHOSE THIS CARD

    If you’re about to tackle a long list of home projects, this card offers a variety of special financing deals, including a 0% APR offer for six months on purchases of $299 or more. Plus, if you spend $1,000 or more on your first purchase, you’ll get $100 off. We also like that this card is attainable for people with fair credit scores who may not qualify for other low-interest cards. Just make sure you pay off your balance before the promotion is over, because you’ll be charged interest retroactively otherwise.

  • PROS & CONS

    Pros

    • Access to promotional 0% or low-interest financing offers
    • Applicants with fair credit (FICO score of at least 580) may qualify
    • Decent discount on your first purchase, particularly if you spend more at least $1,000

    Cons

    • No rewards program
    • Deferred interest will wipe out savings if you don’t pay off balance from promotional finance deals on time
  • HIGHLIGHTS
    • 6 Months Financing on purchases of $299 or more.
    • Up to 24 months financing during special promotions.
    • 1 Year to make returns - 4X longer to make returns, just for being a cardmember. Refer to The Home Depot Returns Policy for details.
    • $0 liability for unauthorized charges.

My Best Buy Visa® Card

Runner-Up for Electronics

Our Rating Among Store Cards
2.5
My Best Buy Visa® Card
Current Offer

Earn 10% back in rewards on your first day of purchases, or choose flexible financing. For a limited time, earn 3% back in rewards on gas purchases.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 25.24% variable
Annual Fee Up to $59
Rewards Earning Rate Earn 5% back in rewards at Best Buy; 6% back in rewards for Elite Plus members, 3% on gas purchases, 2% back in rewards on dining purchases, and 1% back in rewards on other everyday purchases.
  • WHY WE CHOSE THIS CARD

    Tech fiends will rejoice at this card’s rewards opportunities. You’ll earn a very competitive 5% back in points on Best Buy purchases (or 6% back when you spend $3,500 on this card, or at Best Buy with any payment method, in a calendar year), and even some extra points on routine purchases like dinners out and gas. What’s more, you can get 10% back on the first day you open the card, or a deferred interest financing plan for purchases over $299. Just remember your points can only be used at Best Buy, so this card is really just for someone who wants to save on the latest gadgets year after year. 

  • PROS & CONS

    Pros

    • Great rewards earning rate on electronics
    • Rewards can be earned on some routine expenses, not just on Best Buy purchases

    Cons

    • Points can only be used for discounts on Best Buy purchases
    • You may pay an annual fee, depending on your credit
    • Above average APR for a store card
  • HIGHLIGHTS
    • 5% back in rewards when shopping at Best Buy. 6% back in rewards for Elite Plus Cardmembers.
    • Flexible financing options at Best Buy.
    • Use your card anywhere Visa is accepted.
Find Your Credit Card Match We believe it's most important to consider annual fee, interest rate, and rewards when you choose a credit card for everyday use, but we know you might have different priorities. See what suits you best.
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What Are Store Credit Cards & How Do They Work?

Store credit cards are issued by a bank and co-branded with a retailer. They typically offer rewards, discounts, and other benefits to loyal shoppers who use them. For example, you may receive a one-time discount as an incentive to sign up for the card, then gain access to ongoing rewards and perks.

Store credit cards typically offer lower credit limits and charge higher interest rates than traditional credit cards. Some also only let you use them in that store. And if you get a 0% financing offer, it may be a deferred-interest promotion, where you have to pay interest retroactively if you don’t clear the balance by the promotion’s end, instead of a true 0% APR promotion.

While a store credit card has the name of the retailer on it, the account is typically issued and serviced by a financial institution. You can usually apply for a store credit card at the cash register of your favorite retailer, or online. 

What Are the Different Types of Store Credit Cards?

  • Closed-loop cards: These store credit cards can typically only be used for purchases with the store and its partners. It doesn’t run on a payment network like Visa or Mastercard, so you can’t use it for any other purchases. 
  • Open-loop cards: These cards run on a major payment network, such as Visa or Mastercard, and allow you to use the card for purchases wherever that payment network is accepted. At the same time, you’ll likely also get bonus rewards and special perks with the retailer, just as you would with a closed-loop card. 

How Do Cash-Back Rewards Work?

As the name suggests, cash-back credit cards give cardholders cash back when they use their card to make purchases. But not all cash-back rewards programs are created equal. Here are a few ways your card’s program can be structured:

  • Flat-rate rewards: Every purchase nets the same amount of cash back. For example, you may receive 1%, 1.5% or 2% cash back on every transaction.
  • Tiered rewards: Some spending categories qualify for higher rewards rates, but these categories don’t change over time. For example, you may receive 3% cash back on gas, 2% back on groceries and 1% back on everything else. Some tiered-rewards cards put a cap on how much you can earn on certain bonus categories.
  • Rotating rewards: You’ll earn a higher rewards rate on certain categories, but they change over time. For example, you may receive 5% cash back on groceries from January through March, then that same rate at restaurants from March through April. There’s usually a cap on the amount you can earn in bonus rewards, and you’ll typically earn 1% back on non-bonus spending.

What Are Some Pros & Cons of Store Cards?

There are both benefits and drawbacks to having a store credit card. Knowing both sides can help you make a better decision for your situation.

What We Like
  • You can get special discounts and offers from your favorite retailers

  • You may be able to qualify with limited or bad credit

  • It can help you establish or build a credit history

What We Don't Like
  • You'll pay a high interest rate if you carry a balance from month to month

  • You may have few options for where you can use the card

  • A low credit limit could make it easier to rack up a high credit utilization ratio—your balance divided by your credit limit—which can hurt your credit score

How Should You Choose a Store Card?

If you’ve considered both the benefits and drawbacks of store credit cards and still think having one is right for you, take some time to think about which card might be the best fit. 

There’s no single best store credit card out there for everyone, so it’s important to know your preferences and shopping habits.

In general, it’s best to choose a card that’s co-branded with a retailer you shop at regularly, especially if it’s a closed-loop card you can only use at that store. If you choose an open-loop card, however, you’ll have the flexibility of using the card just about anywhere. 

Getting an open-loop card isn’t absolutely necessary, though. If you spend a significant amount of money at one retailer and its card is closed-loop, gaining the benefits that card offers can make up for the limited use.

If you shop regularly at more than one retailer, compare the rewards and other perks each store card offers and choose the one that will provide you the most value. It may make sense to pair a store card with another credit card that will reward you for other types of purchases.

Here’s another summary of the store credit cards we think are the best:

Best Store Credit Cards
Credit Card Category Annual Fee
Gap Visa Card Best Overall $0
Amazon Rewards Visa Signature Card Best Department Store $0
Macy's Credit Card Runner-Up for Department Store $0
My Best Buy Visa Card Runner-Up for Electronics Up to $59
The Home Depot Consumer Credit Card Runner-Up for Home Improvement $0
Gap Visa Card Best for Clothing $0
Amazon Rewards Visa Signature Card Best for Electronics $0
Amazon Rewards Visa Signature Card Best for Furniture $0
Amazon Rewards Visa Signature Card Best for Home Improvement $0
Macy's Credit Card Runner-Up for Furniture $0

How Do You Redeem Rewards?

How you can redeem your rewards can vary by card. But in general, here are some options you may get with your store credit card:

  • Reward certificate good for use with the retailer 
  • Points that you can use at checkout to pay for online or in-store purchases
  • Gift cards
  • Cash back as a statement credit or direct deposit

The best store credit cards give you multiple options when redeeming your points or cash back.

Can I Get a Store Card With Bad Credit?

Yes, it is possible to get a store credit card with bad credit. In fact, a store credit card could be an excellent alternative to a secured credit card if you’re looking to build your credit history but don’t have the cash on hand to put up the security deposit usually required for a secured card. 

That said, not all store credit cards are created equal, and some may require good or excellent credit to get approved. So it may be wise to check with the card’s issuer before you apply to make sure your approval odds are good. The best store credit card for you is one you can qualify for.

Methodology

We collect data on hundreds of cards and score more than 55 features that affect your finances. We do this because it's our mission to give you unbiased, comprehensive credit card reviews.

Our reviews are always impartial. No one can influence which cards we review, the way we present them to you, or the ratings they receive.

The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:

  1. How much does it cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees. 
  2. What are the rewards worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns. 
  3. Does it make your life easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges. 

For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.