Shoe shopping is an activity that many of us simply love. If you find yourself frequently dishing out hundreds of dollars on shoes, you may want to consider getting a shoe store credit card. A shoe store credit card may offer you a variety rewards and discounts, turning your love of shoes into a slightly less expensive passion.

And while, yes, shoe store credit cards exist, it’ very rare to find someone who has one…

In This Article

What to Know Before Getting a Store Credit Card

Many store credit cards offer perks and incentives ranging from free shipping and discounts to rewards points and access to unadvertised sales. If you are a frequent shopper, these perks can really add up in your favor.

While there are plenty of perks that come with owning a store credit card, it’s important to remain a smart shopper by considering the cost of interest rates and late payment fees. Retail credit card rates are usually much higher than your typical credit card rate, averaging about 25%, and late payment fees often cost about $40. If you don’t practice smart credit, the perks of a store credit card can soon be erased by hefty interest fees and late payment fees. However, as long as you pay off your balance each month, on time, you won’t have to worry about these fees.

Be sure to read the fine print of any store credit card and recognize the price you’ll pay to maintain your account.

Shoe Stores That Have Credit Cards

For the serious shoe shopper, a shoe store-specific credit card probably sounds wonderful. Although there are plenty of big shoe retailers like Famous Footwear and Shoe Carnival, we were able to locate just one shoe store with its own credit card. Yes, unfortunately, a Famous Footwear or Shoe Carnival credit card or any other shoe store cards don’t exist. But here’s the card you can get: the DSW’s Rewards Visa. The DSW Rewards Visa offers a solid rewards program that allows you to save on purchases in-store and earn points for purchases elsewhere. Here’s what you need to know:

DSW

  • Account type: DSW Rewards Visa and DSW Rewards Signature Visa, for use at DSW and anywhere that accepts Visa.
  • Incentives: Rewards points for purchases at DSW, gas, phone bills, and lunch out. Free return shipping on all purchases made on DSW.com, a $25 coupon when your card arrives, and one-time $25 offer when you spend $500 outside DSW within the first 90 days of your receiving your card.
  • Restrictions: The DSW credit card is member-exclusive, meaning you must be a DSW Rewards Member to apply. You must also be 18 years of age or older.
  • APR: 15.73%, 21.74%, or 25.74% when you open your account, based on your creditworthiness
  • Annual fee: $0
  • Late payment fee: Up to $38
  • How to apply: You can apply for the DSW credit cards online or in-store.
  • Information required: Full name, address, date of birth, or other identifying information. You may also need to provide a driver’s license or other identifying documents.
  • Source + More Information

Other Stores with Credit Cards That Sell Shoes

While DSW is the only shoe-specific store currently offering financing options, there are many other well-known stores with massive shoe departments that offer store credit cards. Not only can you fuel your footwear obsession, but you can also feed your other shopping habits. Remember, all credit cards applications are subject to credit approval.

Amazon

  • Account type: Amazon Prime Store Card, for use on Amazon.com. Amazon Rewards Visa Signature Card, for use on Amazon.com and anywhere that accepts Visa.
  • Incentives: Depending on which credit card you choose, you can earn 3-5% of your purchases credited back on your monthly statement, a $40-$70 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). With a Rewards Visa, you can also earn 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.
  • Restrictions: You must be 18 years of age or older (19 in AL and NE), have a valid Social Security number, have a credit history clear of bankruptcies and seriously delinquent accounts, and have not submitted an application in the past 90 days.
  • APR: 26.74% for Prime Store Card, 15.24% to 23.24% for Rewards Visa (based on your creditworthiness).
  • Annual fee: $0
  • Late payment fee: For the Prime Store Card, interest will be charged from the date of purchase if payments are missed. For the Rewards Visa, late fees vary between $15 to $37, based on credit card balance.
  • How to apply: Apply for a Prime Store Card online. Apply for a Rewards Visa online.
  • Information required: Full name, address, date of birth, Social Security number, phone number, email address, mother’s maiden name, and income information.
  • Amazon Prime Store Card Source + More Information
  • Amazon Rewards Visa Signature Card Source + More Information 

Belk

  • Account Type: Belk credit card, for use at Belk only.
  • Incentives: 15-20% off purchases, reward dollars to spend, future deals and coupons, receipt-free returns. Numerous tiers of rewards accounts are available.
  • Restrictions: You must be at least 18 years of age.
  • APR: 24.49%
  • Annual Fee: $0
  • Late payment fee: Up to $38
  • How to Apply: You can apply for the Belk credit card online or at a Belk location.
  • Information Required: Full name, date of birth, phone number, annual net income, length of time at current address, Social Security number
  • Source + More Information 

Bloomingdale’s

  • Account type: Bloomingdale’s American Express Card, for use anywhere that accepts American Express, and Bloomingdale’s Credit Card, for use at Bloomingdale’s stores only.
  • Incentives: Earn rewards points for every purchase, earn double points for cosmetics, fragrances, and shoes, receive free shipping every day, premium travel services with American Express card, and other exclusive offers.
  • Restrictions: You must be at least 18 years of age to apply (21 years of age in Puerto Rico).
  • APR: 26.24%
  • Annual fee: $0
  • Late payment fee: Up to $38
  • How to apply: You can apply for the Bloomingdale’s Credit Card online or in store. Apply for the Bloomingdale’s American Express Card in-store only.
  • Information required: Full name, address, email address, phone number, Social Security number, date of birth, and income information.
  • Source + More Information

Dillard’s

  • Account type: Dillard’s American Express Card, for use anywhere that accepts American Express, and Dillard’s Credit Card, for use at Dillard’s stores.
  • Incentives: 10% off purchases after spending enough to earn points, future coupons, and rewards. Access to cardholders-only events and sales. Special access to entertainment and travel benefits with American Express Card.
  • Restrictions: You must be at least 18 years of age to apply and have a valid Social Security number.
  • APR: U.S. prime rate + 6.74% to 21.74% (based on creditworthiness)
  • Annual Fee: $0
  • Late payment fee: Up to $37, and other transaction fees possible
  • Information required: Full name, Social Security number, date of birth, address, driver’s license information, income information, phone number, and mother’s maiden name.
  • How to apply: You can only apply in-store or by mail. Find a location nearest to you by using the Dillard’s store locator.
  • Source + More Information

JCPenney

  • Account Type: JCPenney credit card, for use at JCPenney only
  • Incentives: 15% off today, 5% off major appliances and Modern Bride Diamond Vault, future coupons, designated no-interest purchase periods
  • Restrictions: You must be at least 18 years of age.
  • APR: 26.99%
  • Annual Fee: $0
  • Late payment fee: Up to $38 for late payments
  • How to apply: You can apply for the JCPenney credit card online  or in-store.
  • Information Required: Full name, address, phone number, annual net income, length of time at current address, Social Security number, email address, date of birth, and mother’s maiden name
  • Source + More Information

Kohl’s

  • Account type: My Kohl’s Charge Card, for use at Kohl’s only.
  • Incentives: 30% 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, Most Valued Customer status, and at least 18 special discounts per year when you spend $600 on the charge card
  • Restrictions: You must be at least 18 years old to qualify (19 in AL and NE)
  • APR: 24.99%
  • Annual fee: $0
  • Late payment fee: Up to $37
  • How to apply: You can apply for the Kohl’s charge card online or in-store.
  • Information required: Full name, address, phone number, Social Security number, date of birth, income information, and email address
  • Source + More Information

Macy’s

  • Account Type: Macy’s Credit Card, for use at Macy’s stores, and Macy’s American Express Card, for use anywhere that accepts American Express.
  • Incentives: Save 20% the day of and the day after you open a charge card, surprise savings at checkout, exclusive invitations to Macy’s events, exclusive offers for dining, shopping, and more with American Express Card.
  • Restrictions: You must be at least 18 years of age.
  • APR: 26.24%
  • Annual fee: $0
  • Late payment fee: Up to $38
  • How to apply: You can apply for the Macy’s credit card online or in-store.
  • Information required: Full name, address, Social Security number, financial information, phone number, and date of birth
  • Source + More Information

Nordstrom

  • Account Type: Nordstrom Rewards Credit Card, for use at Nordstrom only, and Nordstrom Rewards Visa Signature and Nordstrom Rewards Visa Platinum, for use anywhere that accepts Visa.
  • Incentives: Earn $20 for $100 spent, future rewards points, enjoy early access to the Nordstrom Anniversary Sale before it opens to the public. Earn points per dollar spent elsewhere with Rewards Visa.
  • Restrictions: You must be at least 18 years of age (19 in Alabama and Nebraska; 21 in Mississippi and Puerto Rico).
  • APR: 11.65% to 23.65% when you open your account (based on your creditworthiness).
  • Annual fee: $0
  • Lay payment fee: Up to $38 for late payments
  • Information required: Full name, address, phone number, Social Security number, annual income, and ID number (for a driver’s license, state ID, passport, etc.)
  • How to Apply: You can apply for the Nordstrom credit card online or in store.
  • Source + More Information

Overstock.com

  • Account type: Overstock credit card, for use on Overstock.com only
  • Incentives: 10% off first purchase using card, up to 36 months special financing available
  • Restrictions: Member-exclusive, meaning you must have an Overstock.com account. You must also be at least 18 years of age and be a U.S. resident.
  • APR: 27.74%.
  • Annual fee: $0
  • Late payment fee: Up to $38
  • Information required: Full name, address, phone number, Social Security number, annual income, and date of birth
  • How to apply: You can apply for the Overstock.com credit card online only.
  • Source + More Information

Sears (Including Kmart)

  • Account Type: Sears Card, for use at Sears and Kmart, and Sears MasterCard, for use anywhere that accepts MasterCard.
  • Incentives: 10% earned in points on the card to spend on future purchases, sometimes no interest opportunities, future coupons, and discounts. With MasterCard, earn extra points at gas stations and restaurants.
  • Restrictions: You must be at least 18 years of age.
  • APR: 25.99%
  • Annual Fee: $0
  • Late payment fee: Up to $37 for late payments
  • How to Apply: Customers can apply for the Sears credit cards online or in-store.
  • Information Required: Full name, address, phone number, Social Security number, and annual income
  • Source + More Information 

Target

  • Account type: Target REDcard, for use at Target stores only.
  • 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.
  • Restrictions: You must be 18 years of age or older and have a U.S. address.
  • APR: 23.65% on the credit card, none on the debit card
  • Annual fee: $0
  • Late payment fee: Up to $38
  • How to apply: Customers can apply for the Target credit card online or in-store.
  • Information required: Full name, address, Social Security number, date of birth, driver’s license, and financial information
  • Source + More Information

Walmart

  • Account type: Walmart Credit Card, for use only at Walmart and Sam’s Club, and Walmart MasterCard, for use anywhere that accepts MasterCard.
  • Incentives: 10% off your first purchase (up to $25), 3% cashback on purchases made at Walmart.com, 2% cashback on fuel purchases made at Walmart or Murphy USA, and 1% cashback on all other purchases everywhere the Walmart card is accepted
  • Restrictions: You must be at least 18 years of age.
  • APR: 17.65% to 23.65% (based on creditworthiness)
  • Annual fee: $0
  • Late payment fee: Up to $38
  • How to apply: You can apply for the Walmart credit card online or in store.
  • Information required: Full name, address, phone number, Social Security number, income information, account balances, and payment history
  • Source + More Information

Many stores have very simple and relatively quick online applications for credit cards. While it will take some time to go through the application process, all of the companies on our “easy to get” list will provide instant approval while waiting for successful credit checks. If you are interested, check out this list of The Easiest Store Credit Cards to Get. Department store credit cards can be smart, especially if you are looking to improve or repair your credit score. Major department store credit cards tend to offer great discounts with regular coupons and special offers. Here are two articles on easy-to-get Instant Approval Department Store Credit Cards and credit-score-friendly Soft Pull Credit Cards

In Summary

Shoe store credit cards are convenient for the footwear-obsessed, but they also come with their share of risks in the form of high interest rates and steep late payment fees. If you keep a close eye on your shopping habits, balance, and monthly payment due date, these cards can be a great way to get rewarded for your shoe purchases. Happy shopping!