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Chart: 2015 Retail Card Survey data

Store-by-store details of major retailers' credit card offers

By  |  Published: October 14, 2015

CreditCards.com 2014 retail credit card survey chart

Higher APRs, rapidly changing card programs and rewards that encourage long-term cardholder spending are current trends among retail store credit cards, according to the 2015 CreditCards.com Retail Credit Card Survey.

(See article, Retail cards survey 2015: APRs inch up, rewards encourage more spending)

The chart below provides details of the 64 retail credit cards issued by the 42 largest retailers in the U.S. that offer cards. Both the retailers' store-only cards and their general use (co-branded) cards are included.

2015 Retail Credit Card Survey data

  National APR average: 23.38%
     
Retailer   APR

 Ace Hardware13.99-22.99%
   
  Ace Rewards Visa Platinum card
  APR: CO-BRANDED?
13.99-22.99% Yes, Visa
  INTRODUCTORY OFFER:

0% for the first 12 months
  REWARDS:

  • Earn up to 3% (15 points) back on Ace store purchases, 2% (10 points) back on gas and groceries and 1% (5 points) back everywhere else Visa is accepted
  • Percent-back earned as bonus points:  1% back = 5 bonus points
  • 12,500 points = $25 Ace Rewards certificate
  • Money saving coupons, sale reminders, access to instant in-store savings

Note: If you apply for the Platinum card and are denied, application will be run for a Signature card

   
  Ace Rewards Visa Signature card
  APR: CO-BRANDED?
13.99-22.99% Yes, Visa
  INTRODUCTORY OFFER:

0% for the first 12 months
  REWARDS:

  • Earn up to 3% (15 points) back on Ace store purchases, 2% (10 points) back on gas and groceries and 1% (5 points) back everywhere else Visa is accepted
  • Percent-back earned as bonus points:  1% back = 5 bonus points
  • 12,500 points = $25 Ace Rewards certificate
  • Money saving coupons, sale reminders, access to instant in-store savings

 Amazon.com 14.74-25.99%
   
  Amazon.com store card
  APR: CO-BRANDED?
25.99%
No
  INTRODUCTORY OFFER:

$10 Amazon.com gift card following instant new account approval
  REWARDS:

Access to exclusive financing offers, which may include the following based on promotional terms:

  • 6-month special financing on any purchase totaling $149 or more
  • 12-month special financing on any purchase totaling $599 or more
  • 24-month special financing on select items
  • 12- or 24-month equal pay offer on select items
  • Amazon Prime members may be eligible for 5% back on select purchases
   
  Amazon.com Rewards Visa card
  APR: CO-BRANDED?
14.74-22.24% Yes, Visa
  INTRODUCTORY OFFER:

$30 Amazon.com gift card following instant new account approval
  REWARDS:

  • 3% back at Amazon.com, 2% back at gas stations, restaurants and drugstores, and 1% back on all other purchase. 
  • Every penny earned in % back rewards = 1 point (100 points = $1 toward eligible Amazon.com purchases)
  • No point expiration or limit on how many can be earned within a billing cycle

 Apple Store / iTunes13.99-26.99%
   
  Apple Rewards card from Barclaycard US
  APR: CO-BRANDED?
13.99-26.99% Yes, Visa
  INTRODUCTORY OFFER:

0% for 6 months on purchases less than $499 that post to your account within the first 30 days after opening account, 0% for 12 months on purchases $499-$999 that post to your account within the first 30 days after opening account, or 0% for 18 months for purchases more than $999 that post to your account within the first 30 days after account opening
  REWARDS:

  • Earn 3 points for every $1 spent on qualifying Apple purchases
  • Earn 2 points for every $1 spent on restaurant purchases
  • Earn 1 point for every $1 spent everywhere else
  • 2,500 points = $25 Apple or iTunes giftcard
  • Points are not limited and do not expire

 Army Air Force Exchange10.24%
   
  Military Star card
  APR: CO-BRANDED?
10.24% (0% interest for Military Clothing Plan purchases only) No
  INTRODUCTORY OFFER:

Be entered for a chance to win a $1,000 statement credit if you are approved for a card before Oct. 31
  REWARDS:

  • $1 spent = 2 points earned
  • 2,000 points = $20 reward card
  • Access to periodic sale/rebate offers, free shipping online when shopping at Navy Exchange and X Exchange

 Barnes & Noble 13.99-24.99%
   
  Barnes & Noble MasterCard
  APR: CO-BRANDED?
13.99-24.99%
Yes, MasterCard
  INTRODUCTORY OFFER:

Receive $25 Barnes & Noble gift card in the mail after making first card purchase
0% APR on balance transfers for the first 15 billing cycles for transfers made within 45 days of account opening 

  REWARDS:

  • Earn a 5% credit on your statement for net purchase total made with your card at Barnes & Noble or at www.bn.com (Includes Nook purchases and downloads) during each billing cycle
  • Earn 1 reward point for every dollar spent anywhere MasterCard is accepted
  • Earn 2 rewards points for every dollar spent at restaurants
  • 2,500 points = $25 Barnes & Noble gift card
  • No limit on points/rebates that can be earned
  • Spend $7,500 on eligible purchases and earn a free one-year B&N Membership

 Bed Bath & BeyondNot Disclosed
   
  Bed Bath & Beyond MasterCard
  APR: CO-BRANDED?
Not disclosed  Yes, MasterCard
  INTRODUCTORY OFFER:

Get a $10 Reward Card with first purchase
  REWARDS:

  • Get 5% back in rewards on all Bed, Bath & Beyond purchases (Bed, Bath & Beyond, buybuy BABY, Christmas Tree Shops, Harmon, Harmon Face Values), 1% back on purchases everywhere else MasterCard is accepted 
  • Cash back issued as points: 5 points = $1 spent
  • 1,000 points = $10 Bed, Bath & Beyond Reward Card

 Belk24.49%
   
  Belk Rewards Card
  APR: CO-BRANDED?
24.49% No
  INTRODUCTORY OFFER:

Take 20% off purchases all day after new account is opened
  REWARDS:

  • Earn 1 point for every $1 spend in merchandise purchases; 400 points = $10 Belk reward dollars
  • Spend $600 in a calendar year and be upgraded to Premier rewards card, which features special financing options with the Belk Rewards Flex Pay Plan, invitation-only premier savings days, free deluxe gift wrap and free basic alterations
  • Spend $1,500 in a calendar year and be upgraded to the Belk Elite Rewards Card, which has all the benefits of the Premier card plus triple point events, special birthday shopping pass, exclusive saving opportunities 4 times a year, free standard shipping in-store and online, and quarterly 15% off pick-your-own-sale days
  • A receipt is not needed for returns
  • Get access to periodic percent-off sale days when using the card in-store or online

 Best Buy25.24%
 
  My Best Buy credit card
  APR: CO-BRANDED?
25.24% (Select purchases may be eligible for a reduced 11.90% interest rate for 48 months)
No
  INTRODUCTORY OFFER:

Get 10% back in rewards on first card purchase
  REWARDS:

  • Choose between 5% back in rewards every day or 12 month special fiancning on purchases of $399 and up
  • Cash back earned as points: 1,250 points = $25 reward certificate for Best Buy purchases
  • Access to all My Best Buy Rewards noncredit program benefits
  • Spend $1,500 per calendar year and reach the My Best Buy Elite loyalty program tier and get free standard shipping with no minimum, access to specials sales/offers, a dedicated customer service line and a 10% point bonus
  • Spend $3,500 in a calendar year and reach the My Best Buy Elite Plus loyalty program tier and get 6% back in rewards on Best Buy purchases put on card, free expedited shipping with no minimum, access to special sales/offers, a dedicated customer service line and a 25% point bonus 
   
  My Best Buy Visa
  APR: CO-BRANDED?
25.24% (Select purchases may be eligible for a reduced 11.90% interest rate for 48 months) Yes, Visa
  INTRODUCTORY OFFER:

Get 10% back in rewards on first card purchase
  REWARDS:

  • Choose between financing rewards or 5% back in rewards every day for Best Buy purchases, 2% back in rewards for dining out and grocery purchases, 2% back on gas purchases (until January 2016) and 1% back in rewards on everyday purchases
  • Money back earned as points. 1,250 points = $25 reward certificate for Best Buy purchases
  • Access to all My Best Buy Rewards noncredit program benefits
  • Spend $1,500 per calendar year and reach the My Best Buy Elite loyalty program tier and get free standard shipping with no minimum, access to special sales/offers, a dedicated customer service line and a 10% point bonus
  • Spend $3,500 in a calendar year and reach the My Best Buy Elite Plus loyalty program tier and get 6% back in rewards on Best Buy purchases put on card, free expedited shipping with no minimum, access to special sales/offers, a dedicated customer service line and a 25% point bonus

 BJ's Wholesale Club14.99-24.99%
   
  BJs Perks Plus MasterCard
  APR: CO-BRANDED?
14.99-24.99% Yes, MasterCard
  INTRODUCTORY OFFER:

Get $25 added to awards balance after first non-BJ's Wholesale Club purchase
  REWARDS:

  • Get 3% back on most in-Club and BJs.com purchases, 2% back on restaurant and other gas purchases and 1% back on other non-BJ's purchases everywhere else MasterCard is accepted
  • Get 10 cents off/gallon of BJ's Gas every day
  • Save $10 on traditional $50 BJ Wholesale Club membership fee
  • Earn additional points on BJ's specials and promotional items
   
  BJ's Perks Elite MasterCard
  APR: CO-BRANDED?
14.99-24.99% Yes, MasterCard
  INTRODUCTORY OFFER:

Get $50 added to awards balance after first non-BJ's Wholesale Club purchase
  REWARDS:

  • Get 5% back on most in-Club and BJs.com purchases, 2% back on restaurant and other gas purchases and 1% back on other non-BJ's purchases everywhere else MasterCard is accepted
  • Get 10 cents off/gallon of BJ's Gas everyday
  • Save $25 on traditional $100 BJ's Wholesale Club membership fee for this rewards level
  • Earn additional points on BJ's specials and promotional items

 Catherines26.99%
   
  Catherines credit card
  APR: CO-BRANDED?
26.99% No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Access to 5% back credit bonus days
  • Birthday bonus coupon
  • Cardholder-only sale/product previews
  • Free MyCardExtras Membership, which gives you access to outside offers like 20% off all Telefora floral purchases, a 12% discount on manicures, pedicures, facials, massages and more at thousands of spas
  • Protection on your Catherine's purchases up to $500

 Costco15.24%
   
  True Earnings Card
  APR: CO-BRANDED?
15.24% Yes, American Express
  INTRODUCTORY OFFER:

0% APR on purchases made during first 6 months 
  REWARDS:

  • 3% cash back at U.S. gas stations and on gasoline at Costco
  • 2% cash back on eligible travel purchases of up to $4,000 per year, reduced to 1% after $4,000. Cash back awarded annually as a reward coupon redeemable for cash or merchandise at U.S. Costco warehouses
  • No annual fee with paid Costco membership
  • Access to American Express cardholder travel insurance and purchase protections

 Dick's Sporting Goods26.99%
   
  Dick's Sporting Goods credit card
  APR: CO-BRANDED?
26.99%
No
  INTRODUCTORY OFFER:

10% off purchases during day new account is opened
  REWARDS:

  • Earn points on purchases: 2 points per $1 spent in-store and 1 point for special financing or kiosk purchases
  • 300 points = $10 reward 
  • May be eligible for special financing offers during promotional sale periods
Note: Card can only be applied for and used in-store
   
  Dick's Sporting Goods MasterCard
  APR: CO-BRANDED?
26.99%
Yes, MasterCard
  INTRODUCTORY OFFER:

10% off purchases during day new account is opened
  REWARDS:

  • Earn points on purchases: 2 points per $1 spent in-store, 1 point for every $3 spent on out-of-store purchases and 1 point for online, special financing or kiosk purchases
  • Earn 1 point for every $3 spent everywhere else MasterCard is accepted
  • 300 points = $10 reward
  • May be eligible for special financing offers during promotional sale periods
  • Auto enrollment in Dick's ScoreCard Rewards Program, members-only savings and bonus point opportunities

 Dillard's9.99-24.99%
   
  Dillard's Elite Rewards card
  APR: CO-BRANDED?
22.99-24.99% No
  INTRODUCTORY OFFER:

Earn a 10% off shopping pass when you open a credit account and charge $100 in the same day
  REWARDS:

  • Earn 2 points for every $1 in purchases charged to card at Dillard's stores, online, by phone or thorugh catalog orders
  • 1,500 points = 10% off rewards shopping pass or $10 rewards certificate
  • Free standard shipping, gift wrapping benefits, access to monthly bonus reward point offers (like double point events) and invitations to private shopping events
   
  Dillard's American Express card
  APR CO-BRANDED?
9.99-24.99% Yes, American Express
  INTRODUCTORY OFFER:

Earn a 10% off shopping pass when you open a credit account and charge $100 in the same day
  REWARDS:

  • Earn 2 points for every $1 in purchases charged to card at Dillard's stores, online, by phone or thorugh catalog orders, 2 reward points on U.S. gas station and grocery purchases and 1 point for each dollar spent everywhere else American Express is accepted
  • 1,500 points = 10% off rewards shopping pass or $10 rewards certificate
  • Free standard shipping, gift wrapping benefits, access to monthly bonus reward point offers (like double point events) and invitations to private shopping events
  • National Car Rental perks through American Express, complimentary amenities at 1,000 luxury hotel properties worldwide

 GameStop26.99%
   
  GameStop PowerUP Rewards Credit Card
  APR: CO-BRANDED?
26.99% No
  INTRODUCTORY OFFER:

PowerUp Rewards Pro Members receive 15,000 points for applying and 5,000 points for being a basic member
  REWARDS:

  • Same as non-credit PowerUp rewards program: Earn points for each item purchased (varies based on item) and redeem points for gaming gear, collectables, dollars off reward certificates and more from the PowerUp Rewards Catalog
  • Cardholders can have one-time chance to get 5,000 points when he or she spends $250
  • Access to special cardholder events
Note: Must be an existing PowerUp Rewards program member to apply

 Gap23.99-24.99%
 
  Gap Card
  APR CO-BRANDED?
24.99% No
  INTRODUCTORY OFFER:

15% off first card purchase (can vary during promotional periods)
  REWARDS:

  • Earn 5 points for every $1 you spend at Gap, Old Navy, Banana Republic, Piperlime or Athleta (500 points = $5 Reward Card)
  • 10% off every Tuesday at Gap and Piperlime
  • Advance notice of new items and sale events
  • Birthday coupon
  • No receipt needed for returns
  • Earn 5,000 points in a calendar year and get upgraded to Silver cardholder status, which means 20% quarterly bonus reward point offers, choose your own sale days, free online shipping with no minimum purchase required, free basic alterations on all Banana Republic purchases, access to special Silver cardholder events, priority customer service call line
   
  Gap Visa Card
  APR CO-BRANDED?
24.99% Yes, Visa
  INTRODUCTORY OFFER:

15% off first card purchase (can vary based during promotional periods)
  REWARDS:

  • Earn 5 points for every $1 you spend at Gap, Old Navy, Banana Republic, Piperlime or Athleta (500 points = $5 Reward Card)
  • Earn 1 point for every $1 spent everywhere else Visa is accepted
  • 10% off every Tuesday at Gap and Piperlime
  • Advance notice of new items and sale events
  • Birthday coupon
  • No receipt needed on returns
  • Earn 5,000 points in a calendar year and get upgraded to Silver cardholder status, which means 20% quarterly bonus reward point offers, choose your own sale days, free online shipping with no minimum purchase required, free basic alterations on all Banana Republic purchases, access to special Silver cardholder events, priority customer service call line

 Giant Eagle24.99%
   
  Giant Eagle fuelperks! Credit Card
  APR: CO-BRANDED?
24.99% No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Earn 4 cents off each gallon of fuel for every $50 spent inside Giant Eagle and GetGo
  • Earn 4 cents off each gallon of fuel for every $100 spent on fuel at GetGo (discounts good on any future fuel purchase)
  • No limit to fuelperks you can earn

 Home Depot17.99-26.99%
   
  Home Depot Consumer Credit Card
  APR: CO-BRANDED?
17.99-26.99% No
  INTRODUCTORY OFFER:

New account holders can choose between 10% off their first purchase ($200 maximum discount) or 24 months special financing on your first purchase of $1,999 or more, 18 months special financing on purchases of $999-$1,998, or 12 months special financing on purchases of $299-$998
  REWARDS:

  • Access to special deferred financing offers (may vary based on current promotional offers). Current offers: No interest on special order kitchen purchases of $2,500 or more and countertop purchases of $1,000 or more if paid in full within 12 months; no interest on any installed heating or air conditioning service purchases of $299 or more if paid in full within 12 months; no interest on installed roofing, siding, windows, insulation, gutter and leaf protection purchases of $5,000 or more if paid in full within 12 months; no interest if installed water treatment purchases of $299 or more are paid in full within 12 months
  • Access to other financing offers throughout year

 JCPenney26.99%
   
  JCPenney Credit Card
  APR: CO-BRANDED?
26.99% NA
  INTRODUCTORY OFFER:

15% off first in-store purchase with card and free shipping on first online purchase (exclusions may apply, offer may vary based on current promotions)
  REWARDS:

New cardholders start at Standard level. To earn Gold status, cardholders must spend $500 or more on credit card over two or more shopping days in a calendar year. To earn Platinum status, cardholders must spend $1,000 on credit card over two or more shopping days in a calendar year. 
  • Standard level: For every $1 spent, you earn 1 point; 100 points = a $10 jcp reward. Earn up to 10 of the $10 jcp rewards every month. Special bonus points events, access to cardholder-exclusive sale events
  • Gold level: For every $1 spent, you earn 1 point; 100 points = a $10 jcp reward. Earn up to 10 of the $10 jcp rewards every month. Special bonus points and exclusive sale events, birthday reward, periodic $10 coupons throughout the year
  • Platinum level: For every $1 spent, you earn 1 point; 100 points = a $10 jcp reward. Earn up to 10 of the $10 jcp rewards every month. Special bonus points events, access to cardholder exclusive sale events, birthday reward offer, periodic $15 coupons throughout the year, free shipping events

 Justice26.99%
   
  Justice credit card
  APR: CO-BRANDED?
26.99% No
  INTRODUCTORY OFFER:

Get 15% off first in-store purchase
  REWARDS:

  • Get an extra 5% off your purchase when you use your Justice credit card
  • Add authorized users to your account at no extra cost

 Kohl's23.99%
   
  Kohl's Charge
  APR: CO-BRANDED?
23.99% No
  INTRODUCTORY OFFER:

20% off first purchase and receive an additional 15% off coupon when physical card arrives in mail
  REWARDS:

  • 12 special discount coupons of 30%, 20%, or 15% issued every year
  • Special sale offers/hours to shop sales
  • Spend $600 on your Kohl's Charge to become a Most Valued Customer and receive 18 discounts per year

 Kroger13.99-23.99%
   
  1-2-3 Rewards Visa Card
  APR: CO-BRANDED?
13.99-23.99% Yes, Visa
  INTRODUCTORY OFFER:

0% APR for the first 9 billing cycles
  REWARDS:

  • Earn 1 reward point per $1 spent anywhere Visa is accepted, 2 points per $1 spent in the Kroger network stores, 3 points per $1 spent on Kroger brands (1,000 points = $5 in free groceries)
  • Receive 25 cent fuel discount when you redeem 100 fuel points at participating Kroger locations

 Lane Bryant26.99%
   
  Lane Bryant credit card
  APR: CO-BRANDED?
26.99% No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Earn 2 points per $1 spent at Lane Bryant, Cacique, Lane Bryant Outlet, lanebryant.com and cacique.com;
  • Get 1 point per $1 spent at Catherines or catherines.com
  • 400 points = $10 Reward check
  • Get upgraded to Premier status when you spend $400 on card or upgraded to Platinum status when you spend $800 (account must be in good standing to upgrade)
  • Access to periodic sale offers

 Lowe's 24.99%
   
  Lowe's Consumer Credit Card
  APR: CO-BRANDED?
24.99% No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

Choose between the following (some restrictions may apply):

  • 5% off every day
  • 6 months of special financing with $299 minimum purchase

 Macy's24.50%
   
  Macy's Credit Card
  APR: CO-BRANDED?
24.50% No
  INTRODUCTORY OFFER:

Get a coupon good for 20% off all purchases made the day new account is opened
  REWARDS:

Note: New accounts are opened at Preferred Level
  • Preferred Level (spends $1-$499 each year at Macy's/Macys.com): Receive surprise savings mailers three times each year, eligible for surprise savings offers at register, eligible for Macy's Thanks for Sharing sale rewards
  • Elite Level (spends $500-$999 each year at Macy's/Macys.com): Receive surprise savings mailers six times each year, eligible for surprise savings offers at register, eligible for one extra Macy's Thanks for Sharing sale reward, birthday sale offer
  • Premier Elite Level (spends $1,000+ each year at Macy's/Macys.com): Receive surprise savings mailers 12 times each year, eligible for surprise savings offers at register, eligible for two extra Macy's Thanks for Sharing sale rewards, birthday sale offer, quarterly exclusive shipping offers at Macys.com, priority customer service assistance
  • All cardholders may have access to additional in-store savings when card is used as payment
Note: Must apply for card in store; There is a $25 enrollment fee for the "Thanks for Sharing" program
   
  Macy's American Express Card
  APR: CO-BRANDED?
24.50% Yes, American Express
  INTRODUCTORY OFFER:

Get a coupon good for 20% off all purchases made the day new account is opened
  REWARDS:

Note: New accounts are opened at Preferred Level
  • Preferred Level (spends $1-$499 each year at Macy's/Macys.com): Receive surprise savings mailers three times each year, eligible for surprise savings offers at register, eligible for Macy's Thanks for Sharing sale rewards
  • Elite Level (spends $500-$999 each year at Macy's/Macys.com): Receive surprise savings mailers six times each year, eligible for surprise savings offers at register, eligible for one extra Macy's Thanks for Sharing sale reward, birthday sale offer
  • Premier Elite Level (spends $1,000+ each year at Macy's/Macys.com): Receive surprise savings mailers 12 times each year, eligible for surprise savings offers at register, eligible for two extra Macy's Thanks for Sharing sale rewards, birthday sale offer, quarterly exclusive shipping offers at Macys.com, priority customer service assistance
  • All cardholders may have access to additional in-store savings when card is used as payment
Note: Must apply for card in store; There is a $25 enrollment fee for the "Thanks for Sharing" program

 Maurices26.99%
   
  Maurices credit card
  APR: CO-BRANDED?
26.99% No
  INTRODUCTORY OFFER:

Get 10% off first purchse on card and a 15%-off purchase coupon when you get your card in the mail
  REWARDS:

  • Advance notice of sales and promotions

 Meijer19.99-26.99%
   
  Meijer Credit Card
  APR: CO-BRANDED?
23.99% No
  INTRODUCTORY OFFER:

10% off first card purchase
  REWARDS:

  • Save 5 cents per gallon every day at Meijer Gas Stations
  • Access to exclusive savings events
   
  Meijer Platinum MasterCard
  APR: CO-BRANDED?
19.99-23.99% Yes, MasterCard
  INTRODUCTORY OFFER:

10% off first card purchase
  REWARDS:

  • Earn 1 reward point for every dollar spent at Meijer including gas stations and Meijer.com (1,500 reward points = 15% off coupon for general merchandise and apparel and 5% off grocery, health and beauty care)
  • Exclusive savings events throughout the year
  • Save 5 cents per gallon every day at Meijer Gas Stations

 Menards24.99%
   
  Menards BIG credit card
  APR: CO-BRANDED?
24.99% No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • For each purchase you make you decide what your reward is: Choose between a 2% back rebate on purchase, 6-month special financing on purchases over $299, 48-months special financing with 3.99% APR on purchases over $1,5000
  • Earn a 1% back rebate on purchases made at Speedway, Holiday and Kwik Trip gas stations and stores
  • Potential to earn an additional 2% back on Menards purchases, depending on brands
  • Access to periodic sales and rebates

 Neiman Marcus23.99%
   
  Neiman Marcus InCircle credit card
  APR: CO-BRANDED?
23.99% No
  INTRODUCTORY OFFER:

Earn 5,000 InCircle bonus points when you open an account and make purchase on same day
  REWARDS:

  • Earn 2 InCircle points for every $1 charged to your card (10,000 points = $100 Point Card)
    • 8 potential reward earning levels:
      • Circle One: Spend $0-$999 a year, standard points earning
      • Circle Two: Spend $1,000-$2,400 a year, standard points earning plus get double points on one day of your choosing, complimentary cosmetics session, free 2-day shipping on online purchases
      • Circle Three: Spend $2,500-$4,999 a year, standard points earning plus get double points on one day of your choosing, complimentary cosmetics session, free 2-day shipping on online purchases, free gift packaging on purchases over $25, get a $25 perk card that can be used for in-store services
      • Circle Four: Spend $5,000-$9,999 a year, standard points earning plus get double points on one day of your choosing, complimentary cosmetics session, free 2-day shipping on online purchases, free gift packaging on purchases over $25, get a $75 perk card that can be used for in-store services, access to a personal InCircle concierge
      • Circle Five: Spend $10,000-$34,999 a year, standard points earning plus get double points on one day of your choosing, complimentary cosmetics session, free 2-day shipping on online purchases, free gift packaging on purchases over $25, get a $50 perk card that can be used for in-store services, access to a personal InCircle concierge, access to ReWardrobe in Heart Fashion Project program
      • Circle Six: Spend $35,000-$74,999 a year, standard points earning plus get double points on one day of your choosing, complimentary cosmetics session, free 2-day shipping on online purchases, free gift packaging on purchases over $25, get a $100 perk card that can be used for in-store services, access to a personal InCircle concierge, access to ReWardrobe in Heart Fashion Project program, access to Fitting Room Experience perks
      • President’s Circle: Spend $35,000-$74,999 a year, get double points on one day of your choosing, complimentary cosmetics session, free 2-day shipping on online purchases, free gift packaging on purchases over $25, get a $150 perk card that can be used for in-store services, access to a personal InCircle concierge, access to ReWardrobe in Heart Fashion Project program, access to Fitting Room Experience perks, earn five points for every dollar charged on purchases instead
      • Chairman’s Circle: for those who spend $600,000/year or more – “inCircle benefits and extrodinary, endless possibilities.”
  • Point cards can be used at Neiman Marcus, Bergdorf Goodman, Last Call, Horchow, and Cusp in stores, online or by catalog
  • May be eligible for special purchase financing options during promotional periods

 Nordstrom10.90-22.90%
   
  Nordstrom Retail card
  APR: CO-BRANDED?
10.90-22.90% No
  INTRODUCTORY OFFER:

Receive a $20 off coupon when you spend $100 on your card the day you apply
  REWARDS:

  • Earn 2 points for each dollar spent at Nordstrom, Nordstrom Rack or Nordstrom.com 
  • 2,000 points = $20 Nordstrom Note reward certificate
  • Early access to the Nordstrom Anniversary Sale
   
  Nordstrom Debit card 
  APR: CO-BRANDED?
N/A
N/A
  INTRODUCTORY OFFER:

Receive a $20-off coupon when you spend $100 on your card the day you apply
  REWARDS:

  • Earn 2 points for each dollar spent at Nordstrom, Nordstrom Rack or Nordstrom.com 
  • 2,000 points = $20 Nordstrom Note reward certificate
  • Early access to the Nordstrom Anniversary Sale
   
  Nordstrom Visa Signature card
  APR: CO-BRANDED?
10.90-22.90% Yes, Visa
  INTRODUCTORY OFFER:

Receive a $20-off coupon when you spend $100 on your card the day you apply
  REWARDS:

  • Earn 2 points for each dollar spent at Nordstrom, Nordstrom Rack or Nordstrom.com
  • Earn 1 point for each dollar spent everywhere else Visa is accepted
  • 2,000 points = $20 Nordstrom Note reward certificate
  • Early access to the Nordstrom Anniversary Sale

 Office Depot/OfficeMax25.99%
   
  Office Depot/OfficeMax Personal Credit Account
  APR: CO-BRANDED?
25.99% No
  INTRODUCTORY OFFER:

No interest on all purchases of $299 or more when paid in full within 6 months
  REWARDS:

  • Automatic 6-months deferred interest on all purchases totaling $299 or more, after discounts
  • During select times throughout the year, cardholders may also be offered promotional, 12-month deferred interest on purchases
  • Access to special cardholder sale events throughout the year

 QVC24.99%
   
  QCard
  APR: CO-BRANDED?
24.99% No
  INTRODUCTORY OFFER:

Earn a $10 QVC eGiftcard when you open a card and make a purchase in the month of October
  REWARDS:

  • Access to 3 Easy Payment options on anything you buy with QCard, except giftcards
  • Early look at Today's Special Value offers
  • Private sale opportunities and other special cardholder promotions
  • One free Studio Tour pass for cardholder and five friends to access the QVC broadcasting facility in West Chester, Pennslyvania

 Samuels Jewelers24.99%
   
  Samuels Jewelers Diamond Elite credit card
  APR: CO-BRANDED?
24.99% (Note: APRs may vary between states, check terms and conditions for specifics) No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Exclusive cardholder offers
  • Early event notices and invitations to special events
  • Reminders and savings offers for special occasions

 Sears25.24%
   
  Sears Card
  APR: CO-BRANDED?
25.24% No
  INTRODUCTORY OFFER:

$10 off when you are approved for the card and make a purchase in the same day
  REWARDS:

  • Advance notice of Sears sales events
  • Cardholder-only coupons/sale deals each month
  • Access to special deferred financing offers (may vary based on current promotional offers). Current offers: 
    • 0% APR on consumer electronic purchases over $599
    • 5% off or no-interest on total fitness purchases over $299 if paid in full within 12 months
    • 5% off or no-interest if paid in full within 12 months on lawn and garden purchases over $299
    • 5% off or no-interest on tool purchases over $299 if paid in full within 12 months
    • 5% off or no-interest on assorted game room purchases over $299 if paid in full within 12 months
    • 5% off or no interest on assorted fine jewelry purchases more than $299 if paid in full within 12 months
    • 5% off assorted clothing, accessory, and intimate purchases
    • 5% off or no-interest on seasonal purchases over $299 if paid in full within 12 months
    • 5% off or no-interest on automotive purchases over $199 if paid in full within 12 months
    • 5% off or no-interest on furniture purchases over $499 if paid in full within 12 months
    • 5% off or no-interest on mattress purchases over $599 if paid in full within 12 months
   
  Sears MasterCard
  APR: CO-BRANDED?
25.24% Yes, MasterCard
  INTRODUCTORY OFFER:

$15 off when you are approved for the card and make a purchase in the same day
  REWARDS:

  • Advance notice of Sears sales events
  • Cardholder-only coupons/sale deals each month
  • Citi Private Pass access to concerts; discounts on sports and other events
  • Presales and special offer access
  • Access to special deferred financing offers (may vary based on current promotional offers). Current offers: 
    • 0% APR on consumer electronic purchases over $599
    • 5% off or no-interest on total fitness purchases over $299 if paid in full within 12 months
    • 5% off or no-interest if paid in full within 12 months on lawn and garden purchases over $299
    • 5% off or no-interest on tool purchases over $299 if paid in full within 12 months
    • 5% off or no-interest on assorted game room purchases over $299 if paid in full within 12 months
    • 5% off or no interest on assorted fine jewelry purchases more than $299 if paid in full within 12 months
    • 5% off assorted clothing, accessory, and intimate purchases
    • 5% off or no-interest on seasonal purchases over $299 if paid in full within 12 months
    • 5% off or no-interest on automotive purchases over $199 if paid in full within 12 months
    • 5% off or no-interest on furniture purchases over $499 if paid in full within 12 months
    • 5% off or no-interest on mattress purchases over $599 if paid in full within 12 months

 Signet Jewelers17-28.99%
   
  Kay Credit
  APR: CO-BRANDED?

17-24.99% (Note: APRs may vary between states, check terms and conditions for specifics)

No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • No interest on purchase of $500 or more if balance is paid within 12 months (20% down payment required)
  • May be elibigle for other promotional interest plans, reduced rate plans or 18-month financing plans, depending on promotions available at time of purchase
   
  Sterling Regional Brands Credit
  APR: CO-BRANDED?
17-24.99% (Note: APRs may vary between states, check terms and conditions for specifics) No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • 12-month special financing plan with $500 minimum purchase and 20% percent down
  • May be eligible for reduced interest rate payment plans (minimum payment required)
  • Card can be issued by and used online at sterlingjewelers.com or at any of the Sterling Family of Jewelers locations (JBR, Marks & Morgan, Shaw's, Belden, Osterman, Weidfield, Le Roy's, Rodgers, Goodman)
   
  Jared Credit
  APR: CO-BRANDED?
17-24.99% (Note: APRs may vary between states, check terms and conditions for specifics) No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • 12-month special financing Diamond Plan: No interest on your purchase if paid in full within 12 months.  Available only for a total purchase of $1,000 or more. 20% down payment required
  • 18-month special financing Platinum Plan: No interest for 12 months if paid in full within 12 months. Available only for a total purchase of $5,000 or more. 20% down payment required
   
  Zales Credit Card
  APR: CO-BRANDED?
28.99% (Note: APRs may vary between states, check terms and conditions for specifics) No
  INTRODUCTORY OFFER:

Special financing offer that varies depending on current promotion and in-store versus online credit program application
  REWARDS:

  • 10% off repairs every day
  • Exclusive savings coupons
  • Variety of deferred interest financing offers (depends on purchase price/current promotions)
  • Optional credit insurance
  • No interest if $500 minimum purchase is paid off in full within 12 months
  • May be eligible for other promotional interest rate plans, reduced rate plans or 18-month financing plans depending on promotions running at time of purchase

 Staples27.99%
   
  Staples Personal Credit Account
  APR: CO-BRANDED?
27.99% No
  INTRODUCTORY OFFER:

Save $50 on first purchase of $150 or more made within 45 days of opening account 
  REWARDS:

  • Earn 5% back in rewards on your Staples purchases
  • Free shipping on Staples.com purchases (oversized and add-on items excluded)
  • Deferred financing offers available (see current offers in-store for details)
  • Cardholders are automatically upgraded to the non-credit store rewards program's Premier level, which offers free shipping every day (oversized and add-on items excluded), flexible payment options, $2 back in rewards for every ink or toner cartridge with a $30 spend on ink or toner over the previous 180 days (limit 20), $50 free print and copy services annually, free EasyTech Diagnostic services, $20 toward one year of tech support and access to special savings offers throughout year. 

 Target22.90%
   
  REDcard credit
  APR: CO-BRANDED?
22.90% No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • 5% off your purchase when you use your Target REDcard at U.S. Target stores or at Target.com
  • 30 additional days to return purchases beyond the standard return policy deadline
  • For every 5 eligible prescriptions purchased at a Target Pharmacy in the U.S. you will receive a Target Pharmacy Rewards certificate good for 5% off a day of shopping at Target stores in the U.S. and a promotional code good for 5% off an entire purchase at Target.com
  • Free shipping at Target.com
   
  REDcard MasterCard
  APR: CO-BRANDED?
22.90% Yes, MasterCard
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • 5% off your purchase when you use your Target REDcard at U.S. Target stores or at Target.com
  • 30 additional days to return purchases beyond the standard return policy deadline
  • For every 5 eligible prescriptions purchased at a Target Pharmacy in the U.S. you will receive a Target Pharmacy Rewards certificate good for 5% off a day of shopping at Target stores in the U.S. and a promotional code good for 5% off an entire purchase at Target.com.
  • Free shipping at Target.com
   
  REDcard debit
  APR: CO-BRANDED?
N/A N/A
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • 5% off your purchase when you use your Target REDcard at U.S. Target stores or at Target.com
  • 30 additional days to return purchases beyond the standard return policy deadline
  • For every 5 eligible prescriptions purchased at a Target Pharmacy in the U.S. you will receive a Target Pharmacy Rewards certificate good for 5% off a day of shopping at Target stores in the U.S. and a promotional code good for 5% off an entire purchase at Target.com.
  • Free shipping at Target.com
  • Up to $40 free cash withdrawl at checkout
   

 TJ Maxx26.99%
   
  TJX Rewards Credit Card
  APR: CO-BRANDED?
26.99% No
  INTRODUCTORY OFFER:

10% off first online purchase
  REWARDS:

  • Earn 5 points for every dollar you spend at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post ($1,000 = $10 rewards certificate, no limit to number of points that can be earned)
  • Special shopping events and sale offers
   
  TJX Rewards Platinum MasterCard
  APR: CO-BRANDED?
26.99% Yes, MasterCard
  INTRODUCTORY OFFER:

10% off first online purchase
  REWARDS:

  • Earn 5 points for every $1 you spend at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post
  • Earn 1 point for every $1 spent everywhere MasterCard is accepted ($1,000 = $10 rewards certificate, no limit to number of points that can be earned)
  • Special shopping events and sale offers
  • Identity theft resolution services, price protection and extended warranty coverage through MasterCard

 Toys R Us26.99%
   
  R Us Credit Card
  APR: CO-BRANDED?
26.99% No
  INTRODUCTORY OFFER:

Choose between 15% off first purchase of $299 or more, special financing offer of either 6 months with no interest on $299+ purchase if paid before end of period, or 12 months with no interest on purchase of $749 or more if paid before end of period (May vary depending on promotions running during time of application)
  REWARDS:

  • Rewards R Us program enrollment and enhanced benefits
  • Earn 2 points for every $1 spent on qualifying Toys R Us and Babies R Us in-store or online purchases (125 points = $10 reward certificate)
  • May be eligible for double rewards earning promotions
  • Free birthday surprises
  • Get 10% off in "R" Us stores on Thursdays
   
  R Us MasterCard
  APR: CO-BRANDED?
26.99% Yes, MasterCard
  INTRODUCTORY OFFER:

Choose between 15% off first purchase of $299 or more or special financing offer (varies based on promotional period)
  REWARDS:

  • Rewards R Us program enrollment and enhanced benefits
  • Earn 2 points for every $1 spent on qualifying Toys R Us and Babies R Us in-store or online purchases
  • Earn 1 reward point for every $4 spent everywhere else MasterCard is accepted
  • 125 points = $10 reward certificate
  • May be eligible for double rewards earning promotions
  • Free birthday surprises
  • Get 10% off in "R" Us stores on Thursdays

 Tractor Supply Co.25.99%
   
  Tractor Supply Co. Personal Card
  APR: CO-BRANDED?
25.99% No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Exclusive cardholder sale events
  • 6-, 12- and 18-month no-interest financing options
  • Advance notice of sales
  • Major purchase plans available with 13.99% APR for qualifying cardholders/purchases

 True Value13.99-25.99%
   
  True Value Credit Card
  APR: CO-BRANDED?
25.99% No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Earn 3% back on True Value purchases
  • Receive $5-off cardholder anniversary coupon each year
  • Access to exclusive credit card-only promotions
   
  True Value Discover Card
  APR: CO-BRANDED?
13.99-24.99% Yes, Discover
  INTRODUCTORY OFFER:

$10 off next card purchase; 0% interest on balance if paid in full within 12 months ($299 minimum purchase required)
  REWARDS:

  • Earn 3% back on True Value purchases, 2% back on gas and grocery purchases and 1% back on all other purchases everywhere that accepts Discover
  • Receive $5 off cardholder anniversary coupon each year

 Victoria’s Secret24.99%
   
  Victoria's Secret Angel Credit Card
  APR: CO-BRANDED?
24.99% No
  INTRODUCTORY OFFER:

Take $15 off next card purchase
  REWARDS:

  • Earn 1 point for every $1 spent on new purchases
  • Get a $10 reward certificate for every 250 points you earn
  • Get a $10 reward certificate on your birthday each year
  • Spend $500 in a year and be upgraded to Angel Forever status and get $15 back for every 250 points

 Walmart22.90%
 
  Walmart Credit Card
  APR: CO-BRANDED?
22.90% No
  INTRODUCTORY OFFER:

Receive a $25 statement credit when you spend $75 and open a card
  REWARDS:

  • Save 5 cents per gallon of gasoline purchased at Walmart gas stations
  • Access to special in-store financing offers
   
  Walmart MasterCard 
  APR: CO-BRANDED?
22.90% Yes, MasterCard
  INTRODUCTORY OFFER:

Receive a $25 statement credit when you spend $75 and open a card
  REWARDS:

  • Earn a $5 statement credit for every $500 of card purchases
  • May be eligible for special financing promotions
  • MasterCard Rewards Program benefits
  • Save 5 cents per gallon of gasoline purchased at Walmart gas stations
   

 Williams-Sonoma13.74-21.74%
   
  The Williams-Sonoma Visa Signature card
  APR: CO-BRANDED?
13.74-21.74% Yes, Visa
  INTRODUCTORY OFFER:

Get a $25 gift card after first purchase
  REWARDS:

  • Earn 3 reward points for every $1 spent at Williams-Sonoma and 1 point for every $1 spent everywhere else Visa is accepted
  • Earn a 10% off coupon for every $2,500 spent anywhere Visa is accepted
  • 24/7 customer concierge service
  • Reward points can be redeemed for statement credits through Barclaycard US, gift cards starting at $25 and culinary experience workshops held exclusively for cardholders in stores internationally
    • 10,000 points = $100 gift card or statement credit
    • 22,500 points = $250 gift card or statement credit
    • 55,000 points = 5 night/6 day Maui beach adventure
  • Extra points may be rewarded for bridal registry purchases
  • Free online shipping

See related: Retail card survey 2014: APRs get higher, rewards more complicated

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Updated: 05-22-2017

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