Are you looking to make a big purchase at your favorite retail store but don’t have the cash on hand? Or maybe you want to take advantage of exclusive discounts and rewards? Whatever your reason may be, retail store credit cards can be a great option for financing your purchases. In this article, we’ll explore the benefits of retail stores offering credit cards and provide a comprehensive list of retail stores that offer credit cards to their customers.
| Retail Store | Credit Card Name | Annual Fee | Rewards | Interest Rate (APR) | Special Features | Credit Requirement |
|---|---|---|---|---|---|---|
| Amazon | Amazon Prime Rewards Visa Signature Card | None | 5% back at Amazon and Whole Foods Market | Variable | No foreign transaction fees, travel protection | Good to Excellent |
| Target | Target RedCard | None | 5% off at Target | Variable | Exclusive extras, special items | Fair to Good |
| Walmart | Walmart Rewards Card | None | 5% back at Walmart, 2% on Walmart fuel stations | Variable | Special financing options | Fair to Good |
| Best Buy | Best Buy Credit Card | None | 5% back in rewards, flexible financing | Variable | Exclusive offers | Fair to Good |
| Macy’s | Macy’s Credit Card | None | Star Passes, special discounts | Variable | Special events, surprise savings | Fair to Good |
| Kohl’s | Kohl’s Charge | None | Special discounts, Kohl’s Cash | Variable | Birthday gift, anniversary gift | Fair to Good |
| Home Depot | The Home Depot Consumer Credit Card | None | Special financing options | Variable | 1-year hassle-free returns | Fair |
| Gap | Gap Credit Card | None | 5% back at Gap brands, special discounts | Variable | Bonus on birthday, exclusive offers | Fair to Good |
| Lowe’s | Lowe’s Advantage Card | None | 5% off eligible purchases, special financing | Variable | Discounted delivery | Fair to Good |
| JCPenney | JCPenney Credit Card | None | Special financing, exclusive savings | Variable | Birthday gift, exclusive coupons | Fair to Good |
| Nordstrom | Nordstrom Credit Card | None | 3 points per dollar spent, exclusive access to sales | Variable | Free alterations, personal bonus points days | Good to Excellent |
Why Choose a Retail Store Credit Card?
Retail store credit cards, also known as store cards, are credit cards that are issued by a specific retail store or brand. These cards can only be used at the designated store or brand, unlike traditional credit cards that can be used at any merchant that accepts them.
So why should you consider getting a retail store credit card? Here are some of the benefits:
Exclusive Discounts and Rewards
One of the main perks of having a retail store credit card is the exclusive discounts and rewards that come with it. Many retail stores offer special discounts and promotions to their credit card holders, such as a percentage off your first purchase or a certain amount of points for every dollar spent.
These discounts and rewards can add up over time and save you a significant amount of money on your purchases. Plus, some retail store credit cards offer additional benefits like free shipping or extended return periods.
Financing Options
If you’re making a large purchase, retail store credit cards can offer financing options that can make it more manageable. Many stores offer 0% interest financing for a certain period of time, allowing you to pay off your purchase in installments without accruing interest.
This can be especially helpful for expensive items like furniture or electronics, as it allows you to spread out the cost over several months without having to pay interest.
Build Credit
Retail store credit cards can also be a great way to build credit. If you’re just starting to establish credit or have a less-than-perfect credit score, getting approved for a traditional credit card can be difficult. Retail store credit cards often have more lenient approval requirements, making them a good option for those looking to build or improve their credit.
How to Discover Retail Stores Offering Credit Cards?
Retail store credit cards offer convenient financing, exclusive discounts, and rewards. They can only be used at designated stores and are great for building credit. To find them, research online, look for in-store promotions, or ask store associates. Compare benefits and fees before choosing.
- Online Research: One of the easiest ways to find retail stores that offer credit cards is through online research. You can visit the websites of your favorite retail stores and look for information about their credit card offerings. Many stores have dedicated pages or sections on their websites that provide details about their credit cards, including the benefits and how to apply.
- In-Store Signage and Promotions: When you visit a retail store, keep an eye out for signage and promotions related to credit cards. Many stores have displays or signs near the checkout area or throughout the store that advertise their credit card offerings. These signs often highlight the benefits of the credit cards and provide information on how to apply.
- Credit Card Comparison Websites: There are several websites that specialize in comparing credit cards from different issuers, including retail store credit cards. These websites allow you to search for credit cards based on specific criteria, such as the retail store or brand. They provide detailed information about each credit card, including the rewards, benefits, and fees. Some popular credit card comparison websites include Credit Karma, NerdWallet, and Bankrate.
- Asking Store Associates: If you’re already in a retail store and are interested in their credit card offerings, you can ask one of the store associates for more information. Store associates are usually knowledgeable about the store’s credit card program and can provide you with details about the benefits, application process, and any current promotions.
Remember to compare the benefits, fees, and terms of different retail store credit cards before making a decision. It’s important to choose a credit card that aligns with your spending habits and offers the most value for your needs.
Retail Stores Offering Credit Cards
Now that you know the benefits of retail store credit cards, let’s take a look at some of the top retail stores that offer credit cards to their customers.
Amazon
Amazon offers two credit cards to its customers: the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card. Both cards offer 5% cash back on all Amazon purchases, as well as 2% cash back at restaurants, gas stations, and drugstores.
The Amazon Prime Rewards Visa Signature Card also offers 2% cash back on purchases at Whole Foods Market, while the Amazon Rewards Visa Signature Card offers 1% cash back on all other purchases.
Target
Target offers two credit cards: the Target RedCard Credit Card and the Target RedCard Debit Card. The credit card offers 5% off all Target purchases, free shipping on most items, and an extra 30 days for returns. The debit card offers the same benefits, but the money is taken directly from your checking account.
Walmart
Walmart offers two credit cards: the Walmart Rewards Mastercard and the Walmart Rewards Card. Both cards offer 5% cash back on purchases made at Walmart.com and 2% cash back on purchases made in-store.
The Walmart Rewards Mastercard also offers 2% cash back on purchases made at Walmart fuel stations and 1% cash back on all other purchases.
Best Buy
Best Buy offers two credit cards: the My Best Buy Credit Card and the My Best Buy Visa Card. Both cards offer 5% cash back on Best Buy purchases, as well as 6% cash back on select purchases during special promotional periods.
The My Best Buy Visa Card also offers 3% cash back on gas purchases and 2% cash back on dining and grocery purchases.
Macy’s
Macy’s offers two credit cards: the Macy’s Credit Card and the Macy’s American Express Card. Both cards offer 20% off your first purchase, as well as rewards for every dollar spent at Macy’s.
The Macy’s American Express Card also offers rewards for purchases made outside of Macy’s, such as 3% cash back on gas purchases and 2% cash back on dining and grocery purchases.
Kohl’s
Kohl’s offers two credit cards: the Kohl’s Charge Card and the Kohl’s Charge Mastercard. Both cards offer 35% off your first purchase, as well as rewards for every dollar spent at Kohl’s.
The Kohl’s Charge Mastercard also offers rewards for purchases made outside of Kohl’s, such as 2% cash back on gas purchases and 1% cash back on all other purchases.
Home Depot
Home Depot offers two credit cards: the Home Depot Consumer Credit Card and the Home Depot Project Loan Card. The consumer credit card offers up to 24 months of financing on purchases of $299 or more, while the project loan card offers up to 84 months of financing on purchases of $25,000 or more.
Both cards also offer special discounts and promotions throughout the year.
Lowe’s
Lowe’s offers two credit cards: the Lowe’s Advantage Card and the Lowe’s Business Rewards Card. The advantage card offers 5% off all purchases made at Lowe’s, as well as special financing options for purchases over $299.
The business rewards card offers 5% off all purchases made at Lowe’s and 2% cash back on gas, dining, and office supply purchases.
Gap
Gap offers two credit cards: the GapCard and the Gap Visa Card. Both cards offer 20% off your first purchase, as well as rewards for every dollar spent at Gap and its sister brands (Old Navy, Banana Republic, and Athleta).
The Gap Visa Card also offers rewards for purchases made outside of Gap, such as 2% cash back on gas and grocery purchases.
JCPenney
JCPenney offers two credit cards: the JCPenney Credit Card and the JCPenney Mastercard. Both cards offer 15% off your first purchase, as well as rewards for every dollar spent at JCPenney.
The JCPenney Mastercard also offers rewards for purchases made outside of JCPenney, such as 2% cash back on gas and grocery purchases.
Nordstrom
Nordstrom offers two credit cards: the Nordstrom Retail Card and the Nordstrom Visa Card. Both cards offer 3 points per dollar spent at Nordstrom, as well as special benefits like early access to sales and free alterations.
The Nordstrom Visa Card also offers rewards for purchases made outside of Nordstrom, such as 2 points per dollar spent on dining, travel, and gas purchases.
You can compare features of all these store cards in our complete guide on easy approval store credit cards.
How to Choose the Right Retail Store Credit Card
With so many retail stores offering credit cards, it can be overwhelming to choose the right one for you. Here are some factors to consider when making your decision:
Rewards and Discounts
Think about which stores you shop at the most and which rewards and discounts would be most beneficial to you. If you’re a frequent Amazon shopper, their credit cards may be the best option for you. If you’re a loyal Macy’s customer, their credit cards may offer the most value.
Financing Options
If you’re planning on making a large purchase, consider which retail store credit cards offer the best financing options. Look for cards with 0% interest promotions or low interest rates.
Credit Score Requirements
Some retail store credit cards may have stricter credit score requirements than others. If you have a lower credit score, look for cards with more lenient approval requirements.
Annual Fees
Some retail store credit cards may have annual fees, so make sure to factor that into your decision. If a card has an annual fee, make sure the rewards and benefits outweigh the cost.
Conclusion
Retail store credit cards can be a great option for financing your purchases and taking advantage of exclusive discounts and rewards. With this comprehensive list of retail stores offering credit cards, you can choose the best option for your shopping needs. Just remember to consider factors like rewards, financing options, credit score requirements, and annual fees when making your decision. Happy shopping!
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