7 Capital One Store-Branded Credit Cards Listed

Capital One is one of the major credit card issuers, and it supports several retail credit cards that might appeal to frequent shoppers of its retail partners.

Retail credit cards are often easier to obtain than regular credit cards, which can also benefit those with low credit scores or minimal credit history.

Keep in mind that many retail credit cards come with high interest rates of 20% or more — the fees can add up if you don’t pay off your balance in full each month.

You should always be aware of overcharging and not being able to make payments on time.

Below, we provide a list of the retail credit cards backed by Capital One.

Comparison Table

Use the table below to compare the Capital One store-branded cards. You can select the arrows at the top of each column to sort the table.

Select the card name or scroll to our list for more information on each card.

The List

For the list below, we’ve included information about where each store credit card can be used, the credit level needed for approval, fee information, and promotional offers.

Note that the credit cards on this list may require a hard credit pull, which can lower your credit score by around five points (temporarily).

Bergdorf Goodman InCircle Credit Card

• Where it can be used: Bergdorf Goodman, Neiman Marcus, and Horchow, and Last Call^[1]
• Card perks:
  • Two InCircle rewards points for every $1 spent on the card
  • $100 points cards for every 10,000 rewards points earned
  • Bonus point opportunities
  • Invitations to special in-store events^[1]
• Credit requirement: Fair^[2]
• Standard APR: Around 27%^[3]
• Late fee: Up to $40^[3]
• Annual fee: None^[3]
• Instant approval available? Yes^[1]
• Apply

Cabela’s CLUB Mastercard

• Where it can be used: Anywhere Mastercard is accepted^[4]
• Card perks:
  • Earn 2% back in CLUB points at Cabela’s and Bass Pro Shops
  • Earn 1% back in points at places where Mastercard is accepted
  • Earn up to $50 in CLUB points for applying
  • Access to other exclusive cardholder promotions^[4]
• Credit requirement: Good^[5]
• Standard APR: Around 10% for Cabela’s and Bass Pro Shops purchases; around 17% to 29% for purchases elsewhere^[6]
• Late fee: Up to $40^[6]
• Annual fee: None^[6]
• Instant approval available? Yes^[5]
• Apply

Kohl’s Charge Credit Card

• Where it can be used: Kohl’s only^[7]
• Card perks:
  • Extra 35% off your first day’s purchases and another 15% when your card arrives
  • Special offers throughout the year
  • Combined discounts with Kohl’s Cash and Yes2You Rewards on purchases with your card
  • Most Valued Customer (MVC) status with 18 discounts a year after spending $600^[8]
• Credit requirement: Fair^[7]
• Standard APR: Around 28%^[9]
• Late fee: Up to $40^[9]
• Annual fee: None^[9]
• Instant approval available? No^[7]
• Apply

Menards Big Card

• Where it can be used: Menards’ partner network, including Menards stores, Speedway, Kwik Trip, Kwik Star, and Holiday locations^[10]
• Card perks:
  • 2% rebate on purchases at Menards stores and website
  • 1% rebate and additional savings on purchases and products from other retailers
  • Six-month financing on purchases over $299
  • 48-month financing on purchases over $1,500^[10]
• Credit requirement: Fair^[11]
• Standard APR: Around 27%^[12]
• Late fee: Up to $40^[12]
• Annual fee: None^[12]
• Instant approval available? Yes^[13]
• Apply

Neiman Marcus InCircle Credit Card

• Where it can be used: Neiman Marcus, Bergdorf Goodman, Last Call, and Horchow^[1]
• Card perks:
  • Two InCircle rewards points for every $1 spent on the card
  • $100 points cards for every 10,000 rewards points earned
  • Bonus point opportunities
  • Invitations to special in-store events^[1]
• Credit requirement: Fair^[14]
• Standard APR: Around 27%^[15]
• Late fee: Up to $40^[15]
• Annual fee: None^[15]
• Instant approval available? Yes, a response is given within 60 seconds of applying online^[1]
• Apply

Saks Fifth Avenue First Store Card

• Where it can be used: Saks Fifth Avenue and Saks Off 5th^[16]
• Card perks:
  • Membership in Saks First rewards program
  • SaksFirst points on every purchase
  • $25 gift card for every 2,500 rewards points earned
  • Exclusive previews of collections, private sales
  • Access to other store events^[16]
• Credit requirement: Fair^[17]
• Standard APR: Around 26%^[18]
• Late fee: Up to $40^[18]
• Annual fee: None^[18]
• Instant approval available? Yes^[17]
• Apply

Walmart Rewards Card

• Where it can be used: Walmart offers two card options –The Walmart Rewards card, exclusively for Walmart purchases, and the Capital One Walmart Rewards Mastercard, which can be used anywhere.^[19]
• Card perks:
  • 5% back on Walmart.com and Walmart app purchases
  • 2% back on purchases made at Walmart stores
  • 1% back on purchases at Sam’s Club
  • 1% back on purchases at other stores (Capital One Walmart Rewards Mastercard only)^[19]
• Credit requirement: Good to excellent for the Mastercard; Capital One will automatically consider you for the Rewards card if you aren’t approved for the Mastercard.^[20]
• Standard APR: Between about 18% and 27% for the Mastercard; about 27% for the Rewards card^[21]
• Late fee: Up to $39 for either card^[21]
• Annual fee: None for either card^[21]
• Instant approval available? No^[20]
• Apply

For more on store credit cards, see our list of store credit cards with instant approval and stores where you can use the shopping cart trick to avoid a hard credit pull.

We also list the easiest store credit cards to get (and which to avoid).