Shoe Store Credit Cards: 10+ Options Detailed (Including Terms & Fees)

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 opening a store credit card — including shoe stores — it’s important to consider interest rates and late payment fees. Retail credit card rates are usually higher than typical credit card rates, averaging about 25%, and late payment fees often cost about $40. However, as long as you pay off your balance each month (on time) you won’t have to worry about these fees.

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

DSW is currently the only shoe store that offers a credit card, and the card comes with a variety of savings and rewards opportunities, as well as a competitive APR in comparison to other store credit cards.

For other good credit card options at stores that, while not technically shoe stores, have large shoe departments, consider a credit card from Amazon or Nordstrom, or your favorite department store.

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 a 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: Around 15% to 26%, based on your creditworthiness
  • Annual fee: None
  • Late payment fee: Up to $38
  • Find out more or apply

Other Stores With Credit Cards That Sell Shoes

While DSW is the only shoe-specific store that currently offers financing with a store credit card, there are many other well-known stores with massive shoe departments that offer store credit cards. Remember, all credit card 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% to 5% of your purchases credited back on your monthly statement, a $40 to $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 Alabama and Nebraska), 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: Around 15% to 26% based on your creditworthiness
  • Annual fee: None
  • Late payment fee: Varies between $15 to $37, based on credit card balance
  • Apply for a Prime Store Card (paid partner link) or a Rewards Visa (paid partner link)

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: Around 12% to 24%, based on your creditworthiness
  • Annual fee: None
  • Lay payment fee: Up to $38
  • Find out more or apply (paid partner link)

Belk

  • Account Type: Belk credit card, for use at Belk only
  • Incentives: 15% to 20% off purchases, reward dollars, 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: Around 24%
  • Annual fee: None
  • Late payment fee: Up to $38
  • Find out more or apply (paid partner link)

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 Alabama and Nebraska)
  • APR: Around 25%
  • Annual fee: None
  • Late payment fee: Up to $37
  • Find out more or apply

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: Around 26%
  • Annual fee: None
  • Late payment fee: Up to $38
  • Find out more or apply

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 in Puerto Rico).
  • APR: Around 26%
  • Annual fee: None
  • Late payment fee: Up to $38
  • Find out more or apply

Note: You must apply for the Bloomingdale’s American Express Card in-store only.

JCPenney

  • Account type: JCPenney credit card, for use at JCPenney only
  • Incentives: 15% off the day you apply, 5% off major appliances and for the Modern Bride Diamond Vault, coupons, designated no-interest purchase periods
  • Restrictions: You must be at least 18 years of age.
  • APR: About 27%
  • Annual fee: None
  • Late payment fee: Up to $38 for late payments
  • Find out more or apply

Target

  • Account type: Target REDcard, for use at Target stores only
  • Incentives: 5% off all purchases, free shipping on most items, 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: Around 24% for the credit card, none for the debit card
  • Annual fee: None
  • Late payment fee: Up to $38
  • Find out more or apply

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% cash back 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: Around 18% to 24%, based on creditworthiness
  • Annual fee: None
  • Late payment fee: Up to $38
  • Find out more or apply

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: Around 26%
  • Annual fee: None
  • Late payment fee: Up to $37 for late payments
  • Find out more or apply

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: Around 28%
  • Annual fee: $0
  • Late payment fee: Up to $38
  • Find out more or apply

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: Around 7% to 22%, based on creditworthiness
  • Annual fee: None
  • Late payment fee: Up to $37, and other transaction fees possible
  • Find out more or apply in-store or by mail

In Summary

Shoe store credit cards are currently not commonly offered, but if you are a frequent shopper at DSW, the store’s credit card offers savings and rewards that may make it worth it for you. Keep in mind, however, that store credit cards will typically come with high interest rates and late payment fees. Other good options for credit cards you can get and use to buy shoes are from retailers like Amazon and Nordstrom, as well as most major department stores.

For more about shopping with store credit cards, we list the easiest store credit cards to get, department stores that offer instant approval credit cards, and credit cards that only require a soft credit pull.