Capital One Store-Branded Credit Cards: 7 Retail Credit Cards Listed

Most consumers are regularly inundated with offers for store credit cards while shopping online and in stores. These cards, offered by many of the country’s most popular retailers and backed by major banks, are easy to sign up for and offer extra incentives for shopping at your favorite stores. Capital One is one of the major credit card issuers, and it supports several retail credit cards that can make good sense for frequent shoppers.

Below, we explain some basic information about using a store credit card, as well as the best retail credit cards backed by Capital One.

The Pros and Cons of Store Credit Cards

One of the biggest advantages of having a store credit card is the savings potential for that particular store. Often, stores will offer special discounts or sales to cardholders, especially sign-up bonuses. Depending on how much you spend and how often you shop, the discounts can be significant and can have a real impact on your wallet.

Rewards and perks are another reason to take out a branded retail credit card. Your purchases made at the store can rack up rewards points that you can use later on free merchandise or gift certificates. These can be especially useful for department store credit cards, where you’d typically purchase a variety of goods.  For more about department store credit cards, check out our article on instant approval department store credit cards.

A store credit card also gives you an optional line of credit. If you frequently use your current credit cards on retail purchases, a store card can help direct more of those expenditures and free up your credit line. This is especially handy for large purchases, though it is worth noting that store credit cards generally have lower spending limits than regular credit cards.

Also, keep in mind that many retail credit cards come with high interest rates — the fees can really add up if you don’t pay off your balance in full each month. These cards often have APRs of 20% or more, so you should always be aware of overcharging and not being able to make payments on time.

Finally, retail credit cards are often easier to obtain than regular credit cards. This can benefit those with already low credit scores or those who want to establish a credit history. Check out our article for more specific information on the easiest store credit cards to get (and which to avoid).

We’ve Done the Comparing for You — Here’s What We Recommend

Most store credit cards backed by Capital One are similar in terms of standard APR, late fees, credit requirements, and interest-free grace periods. Most of the cards are also closed-loop credit cards, meaning they can only be used at the issuing retailer and its partnering stores. However, the Cabela’s CLUB Mastercard stands out because it is an open-loop credit card that can be used anywhere Mastercard is accepted, and you can earn rewards points anywhere you shop, much like a regular credit card. It also offers a lower promotional APR for purchases at Cabela’s and Bass Pro Shops purchases.

For other good credit card options (although closed-loop), consider the Kohl’s Charge Card or the Lord & Taylor Awards Credit Card. Both offer a variety of promotions and bonuses when you shop at the respective stores, which makes them the most beneficial for frequent shoppers.

Capital One Store-Branded Credit Cards

Below, we list the store credit cards backed by Capital One. The companies on this list may require a hard credit pull which can lower your credit score. This means your credit score will likely drop around five points (temporarily). For information about store credit cards that you may be able to get approved for without a hard credit pull, check out our list of stores where you can use the shopping cart trick.

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. We ordered the list starting with the best overall options.

Cabela’s CLUB Mastercard

  • Where it can be used: Anywhere Mastercard is accepted
  • Card perks: Earn 2% back in CLUB points at Cabela’s and Bass Pro Shops, 1% back in points at places where Mastercard is accepted; additional $10 in CLUB points after five purchases within the first 30 days of account opening; access to other exclusive cardholder promotions.
  • Credit requirement: Good
  • Standard APR: Around 10% for Cabela’s and Bass Pro Shops purchases; around 15% to 25% for purchases elsewhere
  • Late fee: Up to $38
  • Annual fee: None
  • Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
  • Instant approval available? Yes, a response is usually provided within minutes of applying
  • Find out more or apply

Kohl’s Charge Credit Card

  • Where it can be used: Kohl’s only
  • Card perks: Extra 25% off your first day’s purchases and another 15% when your card arrives, 12 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, one Yes2You rewards point for every $1 spent on your Kohl’s Charge card with $15 gift cards for every 100 rewards points
  • Credit requirement: Fair
  • Standard APR: Around 25%
  • Late fee: Up to $37
  • Annual fee: None
  • Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
  • Instant approval available? No, the application is sent to Capital One for credit approval
  • Find out more or apply

Lord & Taylor Awards Credit Card

  • Where it can be used: Lord & Taylor only
  • Card perks: 15% off your first day’s purchases, members savings events throughout the year, members-only perks and access to in-store events, receipt-free returns on card purchases, special birthday offers, and more
  • Credit requirement: Fair
  • Standard APR: Around 26%
  • Late fee: Up to $35
  • Annual fee: None
  • Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
  • Instant approval available? Yes, a response is given within 60 seconds of applying online
  • Find out more or apply

Menards Big Card

  • Where it can be used: Menards’ partner network, including Menards stores, Speedway, Kwik Trip, Kwik Star, and Holiday locations
  • Card perks: 2% rebate on purchases, six-month financing on purchases over $299, 48-month financing on purchases over $1,500, 1% rebates and additional savings on purchases and products from other outlets
  • Credit requirement: Fair
  • Standard APR: Around 25%
  • Late fee: Up to $35
  • Annual fee: None
  • Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
  • Instant approval available? Yes, a response is given within 60 seconds of applying online
  • Find out more or apply

Neiman Marcus InCircle Credit Card

  • Where it can be used: Neiman Marcus stores and its partners
  • 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
  • Credit requirement: Fair
  • Standard APR: Around 24%
  • Late fee: Up to $35
  • Annual fee: None
  • Zero-interest options: Interest-free grace period of 26 days for new purchases when your balance is paid in full by the payment due date
  • Instant approval available? Yes, a response is given within 60 seconds of applying online
  • Find out more or apply

Bergdorf Goodman InCircle Credit Card

  • Where it can be used: Bergdorf Goodman, Neiman Marcus, Horchow, and LastCall.com
  • 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
  • Credit requirement: Fair
  • Standard APR: Around 25%
  • Late fee: Up to $40
  • Annual fee: None
  • Zero-interest options: Interest-free grace period of 26 days for new purchases when your balance is paid in full by the payment due date
  • Instant approval available? Yes, a response is given within 60 seconds of applying online
  • Find out more or apply

Saks Fifth Avenue First Store Card

  • Where it can be used: Saks Fifth Avenue and Saks Off 5th
  • 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 and access to other store events
  • Credit requirement: Fair
  • Standard APR: Around 24%
  • Late fee: Up to $35
  • Annual fee: None
  • Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
  • Instant approval available? Yes, a response is given within 60 seconds of applying online
  • Find out more or apply

In Summary

When used responsibly, a store card can offer many perks and discounts for frequent shoppers. Capital One backs several popular store credit cards with similar requirements and financing terms. For a card that you can use virtually anywhere, consider the Cabela’s CLUB Mastercard — you can earn rewards toward Cabela’s and Bass Pro Shops purchases wherever you shop. For credit cards with a wide variety of promotional offers, the Kohl’s and Lord & Taylor store credit cards can be incredibly beneficial for people who frequently shop at these stores. Before applying for any store card, you should be sure you understand its terms to make sure you are able to make the payments on time and avoid potentially high interest rates.