A stack of credit cards on a white background.

5 of the Best Retail Credit Cards

Stores That Offer Credit Cards

Store credit cards are one of the intriguing offers your favorite retail stores suggest to you when checking out. Many of these retailers have salespeople and cashiers convincing you to open a credit card with them, where you can enjoy discounts between 15% and 25% and other perks when you shop.

If you’re a frequent shopper, the offer can be enticing, especially since you get to save money whenever you shop for groceries and other items from the store. It’s important to know, not all store credit cards are worth having.

Experts warn against having store credit cards because of their high annual percentage rate (APRs). If you understand what you’re getting yourself into, owning a store credit card is not a bad idea. Many come with great perks like free shipping, discounts and special offers.

In this article, we review stores that offer credit cards in the U.S. and the best store credit cards to choose from — even with bad credit. Be sure to do your research before signing up for one of these credit cards.

1. Target RedCard Credit Card

The Target RedCard Credit Card is one of the best clothing store credit cards one can get. It lets you save on most of your shopping including clothes, food, furniture and more, with its 5% discount on every purchase.

Target RedCard holders also enjoy free shipping when they shop on the Target website.

Note, that cardholders don’t get 0% financing with this card and it has a high ongoing interest.
Signing up for this card is not advisable for people planning to carry a balance or shop seldomly.


  • 5% discount on eligible store purchases.
  • No annual fee.
  • Free shipping for website purchases.
  • 10% discount annually.


  • Can only be used at Target stores and the website (closed loop card).
  • High ongoing APR.

2. Walmart Rewards Card

With the Walmart Rewards Card, users can enjoy a 5% discount on in-store purchases in a store where many items are already discounted. After the first in-store purchase, the reward drops to 2% but remains 5% for online shopping via the Walmart app or website.

We recommend you shop more online to get the best out of this store credit card.


  • 5% discount on online (web and app) purchases.
  • 2% discount on in-store purchases.
  • Can work anywhere MasterCard is accepted (open loop card).
  • 2% discount on travel and restaurants.


  • High APR
  • More rewards for online shopping.

3. Amazon Prime Rewards Visa Signature Card

If you’re a heavy Amazon shopper with an Amazon Prime account, this store credit card is for you. The Amazon Prime Rewards Visa Signature Card offers great value, including an unlimited 5% discount on orders from the Amazon website or Whole Foods.


  • No annual fee.
  • You can use the open loop card anywhere Visa or MasterCard is accepted.
  • Unlimited 5% discount on all Amazon online and Whole Food purchases.
  • 2% discount for restaurants, drugstores and gas purchases.


  • Available to only Amazon Prime subscribers.
  • High ongoing APR

4. Kohl’s Credit Card

Kohl shoppers get to enjoy discounts and build credit with the Kohl’s Credit Card. This store credit card has no annual fee and lets you access exclusive discount offers like 35% off your first purchase after opening the card, a special yearly anniversary offer and much more!


  • 35% discount on the first Kohl’s charge purchase.
  • Monthly discount offers.
  • Juicy rates on Kohl’s Rewards.
  • $0 annual fee.


  • High APR
  • Closed loop card. Limited to Kohl’s purchases only.

5. Gap Good Rewards Credit Card

If you’re looking for one of the best clothing store credit cards, you should consider Gap Good Rewards Credit Card to save money. This store credit card is suitable for people who do a lot of wardrobe shopping at Gap and its connected stores.

You enjoy excellent loyalty rewards, including redeemable points that offer you free corrections on Banana Republic purchases.


  • 5 points for every $1 spent on in-store and online purchases.
  • 20% discount and free shipping on your first credit card purchase.
  • No annual fee.
  • Can be used anywhere MasterCard is accepted (open loop card).


  • High annual interest rate.
  • Points expire after 12 months.

Final Thoughts

Store credit cards are a great way to build your credit score, save money and easily pay for in-store and online purchases. Keep in mind that even the best store credit cards charge high APR.

If you don’t shop a lot from a particular retailer or may struggle to pay your monthly balance, you should resist the temptation of a store credit card — no matter how appealing the offer sounds.