Most every shopper has heard the pitch from a cashier: “Would you like to save 10 percent by opening up a StoreNameHere charge today?” If your wallet is already loaded with plastic, it might seem unnecessary to add a store credit card. But there are good reasons to consider making your cashier’s day and saying yes to that pitch. We’ll help you make an informed decision and then we’ll answer, “What stores have credit cards?”

In This Article

  • What to Know Before Getting a Store Credit Card

  • Brick and Mortar Stores That Offer Credit Cards

  • Online Stores That Offer Credit Cards

What to Know Before Getting a Store Credit Card

Retail store credit cards typically offer customer loyalty benefits and other perks that you won’t find with the Visa, Amex, or other bank-issued credit cards already in your wallet. Perks include discounts on everything you buy, free shipping, coupons, invitations to unadvertised sales, and more. The savings can add up quickly, especially if you’re a frequent customer. And retail-issued credit cards are typically easier to get, so if you have shaky credit, store cards are a good way to start rebuilding it.

Downsides? High interest rates. Consumer Reports puts some in the mid-20 percent range. But if you’re vigilant about paying off your balance each month, you can avoid that trap. Also, if you’re tempted to open a slew of them — during the holiday shopping season, say — your credit score could take a nosedive because of all the hits to your credit report. Opening and canceling cards can negatively affect your credit score, but having the same card for a long time, and paying it consistently, will positively affect your score.

One more thing to note: Many stores offer credit cards that are “co-branded” with Visa, MasterCard, or American Express. You can use co-branded cards everywhere, not just in that particular store, but you’ll say goodbye to the ease of credit approval.

There is a dizzying array of retail-issued credit cards out there. The following is a list of store-issued credit cards from major US retailers and their rewards, rates, and other features.

We called all of the stores and no store gives a hard credit score minimum because they all say approval is on a case-by-case basis, with factors including credit score, debt to income ratio and other factors. None of the retail store cards (co-branded with Visa or MasterCard) would say they don’t pull your credit report or have less strict approval guidelines. Though we have included the ‘requirements for approval’ bullet point below as a reminder of generally what to expect.

Brick and Mortar Stores That Offer Credit Cards

1. Costco Anywhere Visa

  • Incentives: 4% cash back on gas worldwide, 3% cash back on restaurant and eligible travel purchases worldwide, 2% cash back on Costco purchases, and 1% cashback on all other purchases
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 0% for the first seven months, 15.99% thereafter
  • Annual fee: No, but the card requires a Costco membership.
  • Late payment fee: 29.99% APR for late payments
  • Returned payment fee: 29.99% APR for returned payments
  • For more details, see this page.

2. GapCard

  • Incentives: 20% off your first purchase; 10% off when you shop at Gap and Gap Factory; 5 points for every dollar spent at Gap, Old Navy, Banana Republic, and Athleta, and 1 point for every dollar spent anywhere else; $5 reward for every 500 points you earn; access to special events with exclusive discounts; bonus point shopping days; and no receipts necessary for returns
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 24.99%
  • Annual fee: No
  • Late payment fee: None specified
  • Returned payment fee: None specified
  • For more details, see this page.

3. J. Crew

  • Incentives: 15% off your first purchase, $25 rewards card for every $500 you spend, cardmembers-only invitations to private events, early access to select items, complimentary alterations, and personal shopping — they’ll even open early and stay late for you
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 25.24%
  • Annual fee: No
  • Late payment fee: $38
  • Returned payment: $25
  • For more details, see this page.

4. J. Jill

  • Incentives: 10% off your first purchase, 5% off every subsequent purchase, 20% off your entire purchase one day during your birthday month, special offers for cardmembers, and complimentary gift packaging
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 27.74%. No interest applies if account is paid in full by the due date.
  • Annual fee: No
  • Late payment fee: $38
  • Returned payment fee: $25
  • For more details, see this page.

5. Kohl’s

  • Incentives: 25% off your first purchase, 12 special offers every year, 15% off discount when your card arrives, discount stacking with Kohl’s Cash and Yes2You rewards, and Most Valued Customer status and at least 18 special discounts per year when you spend $600 on the charge card
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 24.74%
  • Annual fee: No
  • Late payment fee: 27.74% APR and up to $37
  • Returned payment fee: 27.74% APR and up to $37
  • For more details, see this page.

6. LL. Bean Visa

  • Incentives: 3% cash back on L.L. Bean purchases, 1% cash back everywhere else, free return shipping, free monogramming, and access to exclusive sales
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 14.74%, 17.75%, 20.74%
  • Annual fee: No
  • Late Payment Fee: Up to $37
  • Returned payment fee: Up to $37
  • For more details, see this page.

7. Lowes

  • Incentives: 10% off first in-store purchase (up to $2000 discount), exclusive cardholder specials, and 5% off every day
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 26.99%. No interest is charged if paid in full by the due date.
  • Annual fee: No
  • Late payment fee: Up to $38
  • Returned payment fee: None specified
  • For more details, see this page.

8. Macy’s

  • Incentives: Save $20 the day of and the day after you open a charge card, surprise savings at checkout, and exclusive invitations to Macy’s events
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 25.99%
  • Annual fee: No
  • Late payment fee: Up to $38
  • Returned payment fee: $27 or $38
  • For more details, see this page.

9. Sears

  • Incentives: 30% off purchases the day you open the card (up to $35), 5% in points on purchases at gas stations for the first 12 months, 3% in points at grocery stores and restaurants, 2% in points at Sears and Kmart, and 1% in points on all other eligible purchases
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 25.99%
  • Annual fee: No
  • Late payment fee: Up to $37
  • Returned payment fee: Up to $37
  • For more details, see this page.

10. TJ Maxx

  • Incentives: 10% off your first online or in-store purchase, $10 rewards certificate for every 1,000 points you earn, and choice of either a store card or TJ Maxx Mastercard
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 27.74%
  • Annual fee: No
  • Late payment fee: $35
  • Returned payment fee: Not specified
  • For more details, see this page.

11. Target REDcard

  • Incentives: 5% off every day, free shipping on most items from Target.com, 30 extra days for returns, and choice of either a credit card or a debit card linked to your debit account with no credit check
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 23.65% on the credit card, none if on the debit card
  • Annual fee: No
  • Late payment fee: $38
  • Returned payment fee: $27
  • For more details, see this page.

12. Walmart

  • Incentives: 10% off your first purchase (up to $25), 3% cash back on purchases made at Walmart.com, 2% cash back on fuel purchases made at Walmart or Murphy USA, and 1% cash back on all other purchases everywhere the Walmart card is accepted
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: If you opt for the Mastercard: 17.65%, 20.65%, or 23.65%, depending on your credit score, and, if you opt for the Walmart Credit Card: 23.65%
  • Annual fee: No
  • Late payment fee: Up to $38
  • Returned payment fee: Not specified
  • For more details, see this page.

Online Stores That Offer Credit Cards

1. Amazon Prime Store Card

  • Incentives: 5% of your purchases credited back on your monthly statement, $40 Amazon gift card upon approval, access to promotional financing on purchases over $149, and no interest if you make equal monthly payments until paid in full (subject to credit approval)
  • Requirements for approval: Application pulls your credit report, and approval and credit limit are based on factors such as debt-to-income ratio, credit score, delinquent accounts.
  • APR: 26.74%
  • Annual Fee: No
  • Late Payment Fee: Interest will be charged from the date of purchase if payments are missed.
  • Returned Payment Fee: None specified
  • For more details, see this page.

In Summary

While many retail store credit cards won’t be worth the trouble if you only shop there occasionally, for frequent shoppers it’s well worth it to consider taking out a store card. You could save yourself a bundle on your purchases, earn cash back or point rewards, and gain access to exclusive sales. Interest rates are typically high, but you can avoid that trap by paying your bill in full by your due date. We wanted to list store credit cards that are easy to get but it’s impossible to define them as such. We wish this wasn’t true but still hope you’ve still found this list of store credit cards useful.