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CreditCards.com 2014 retail credit card survey data

Compare interest rates, rewards and more of 36 major retailer credit cards

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CreditCards.com 2014 retail credit card survey chart

Higher APRs, more use-anywhere cards and fancier, tiered rewards are now prominent features of retail store credit card programs, according to the 2014 CreditCards.com Retail Credit Card Survey.

(See article, Retail cards survey 2014: APRs get higher, rewards more complicated)

The chart below provides details of the 61 retail credit cards issued by the 36 largest retailers in the U.S. that offer cards. Both the retailers' store-only cards and their general use (co-branded) cards are included.

2014 Retail Credit Card Survey data
National APR average: 23.23%  
  Retailer APR  

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

N/A
  REWARDS:

  • Earn up to 5% back on Ace store purchases, 2% back on gas and groceries and 1% back everywhere else Visa is accepted
  • Percent-back earned as bonus points:  $1 spent = 5 bonus points
  • Ace Rewards Visa 10% Quarterly Bonus Program: Earn up to 10% in Ace Rewards points for each $1 spent on select in-store purchases

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

$10 Amazon.com giftcard 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.com Rewards Visa card
  APR: CO-BRANDED?
14.74-22.24% Yes, Visa
  INTRODUCTORY OFFER:

$30 Amazon.com giftcard 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

 Army Air Force Exchange10.24%
   
  Military Star
  APR: CO-BRANDED?
10.24% No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

N/A
   
  Military Star Rewards
  APR: CO-BRANDED?
Varies based on credit Yes, MasterCard
  INTRODUCTORY OFFER:

2% off all purchases made within the first 60 days of opening account
  REWARDS:

  • 2% cash back rewards on all purchases made at Exchange and Milexch.com
  • 2% cash back rewards on purchases made on installation when card is used
  • 1% cash back rewards on purchases made off installation

 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 after making first credit card purchase
  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
  • 2,500 points = $25 Barnes & Noble gift card
  • No limit on points/rebates that can be earned

 Best Buy17.99-27.99%
 
  My Best Buy credit card*
  APR: CO-BRANDED?
25.24-27.99%
No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Access to all My Best Buy Rewards noncredit program benefits
  • Get 10% back in rewards certificates on Best Buy and Bestbuy.com purchases (will drop to 5% after Sept. 6, 2014)
  • 6-months 0% interest financing on storewide purchases totaling $149
  • 12-month 0% interest financing on storewide purchases of $399 or more
  • 12-month 0% interest financing on cellphone purchases of $299 or more
   
  My Best Buy preferred credit card*
  APR: CO-BRANDED?
25.24-27.99%
No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Access to all My Best Buy Rewards noncredit program benefits
  • Get 10% back in rewards certificates on Best Buy and Bestbuy.com purchases (will drop to 5% after Sept. 6, 2014)
  • 6-months 0% interest financing on storewide purchases totaling $149
  • 12-month 0% interest financing on storewide purchases of $399 or more
  • 12-month 0% interest financing on cellphone purchases of $299 or more
   
  My Best Buy MasterCard Platinum*
  APR: CO-BRANDED?
17.99-21.74%
Yes, MasterCard
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Access to all My Best Buy Rewards noncredit program benefits
  • Get 10% back in rewards certificates on Best Buy and Bestbuy.com purchases (will drop to 5% after Sept. 6, 2014)
  • 6-months 0% interest financing on storewide purchases totaling $149
  • 12-months 0% interest financing on storewide purchases of $399 or more
  • 12-month 0% interest financing on cell phone purchases of $299 or more
   
  My Best Buy MasterCard Gold*
  APR: CO-BRANDED?
17.99-21.74%
Yes, MasterCard
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Access to all My Best Buy Rewards noncredit program benefits
  • Get 10% back in rewards certificates on Best Buy and Bestbuy.com purchases (will drop to 5% after Sept. 6, 2014)
  • 6-months 0% interest financing on storewide purchases totaling $149
  • 12-months 0% interest financing on storewide purchases of $399 or more
  • 12-month 0% interest financing on cell phone purchases of $299 or more
  * Note: Card type issued based on customer credit history at time of application

 BJ's Wholesale Club13.99-24.99%
   
  BJs Visa Card
  APR: CO-BRANDED?
13.99-24.99% Yes, Visa
  INTRODUCTORY OFFER:

0% APR for the first 6 billing cycles
  REWARDS:

  • 2% back on all in-Club purchases, 2% back on all BJs.com purchases and 1% back on purchases everywhere else Visa is accepted. Percent-back issued as statment credits based on point: $1 spent on eligible in-Club purchases = 2 points, $1 spent on outside club Visa purchases = 1 point, 3,000 points = $30 statement credit
  • Can earn up to 4% back on in-Club purchases with credit card if partnered with noncredit store loyalty program
  • Earn additional points on BJ's specials and promotional items

 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 first in-store purchase with card
  REWARDS:

  • Auto enrollment in Dick's ScoreCard Rewards Program and accelerated rewards: Members-only savings and bonus point opportunities, earn 2 point for every $1 spent (300 points = $10 reward coupon)
  • Cardholders get double points on in-store purchases, triple points during birthday month
  • May be eligible for special financing offers during promotional sale periods
   
  Dick's Sporting Goods MasterCard
  APR: CO-BRANDED?
26.99%
Yes, MasterCard
  INTRODUCTORY OFFER:

10% off first in-store purchase with card
  REWARDS:

  • Auto enrollment in Dick's ScoreCard Rewards Program and accelerated rewards: Members-only savings and bonus point opportunities, earn 2 point for every $1 spent (300 points = $10 reward coupon)
  • Earn 1 point for every $3 spent everywhere else MasterCard is accepted
  • Cardholders get double points on in-store purchases, triple points during birthday month
  • May be eligible for special financing offers during promotional sale periods

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

15% of 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 (1,000 points = $10 Reward Card)
  • 10% off every Tuesday at Gap and Piperlime
  • Advance notice of new items and sale events
  • Birthday coupon
   
  Gap Card Silver*
  APR CO-BRANDED?
24.99% No
  INTRODUCTORY OFFER:

15% of 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 (1,000 points = $10 Reward Card)
  • Free shipping on all online purchases
  • 15% choose-your-own-sale-day coupon
  • Free basic alterations on all Banana Republic purchases
  • Access to Silver-only events and offers such as Triple Point Days
  • 10% off every Tuesday at Gap and Piperlime
  • Advance notice of new items and sale events
  • Birthday coupon
   
  Gap Visa Card
  APR CO-BRANDED?
23.99% Yes, Visa
  INTRODUCTORY OFFER:

15% of 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 (1,000 points = $10 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
   
  Gap Visa Silver Card*
  APR CO-BRANDED?
23.99% Yes, Visa
  INTRODUCTORY OFFER:

15% of 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 (1,000 points = $10 Reward Card)
  • Earn 1 point for every $1 spent everywhere else Visa is accepted
  • Free shipping on all online purchases
  • 15% choose your own sale day coupon
  • Free basic alterations on all Banana Republic purchases
  • Toll-free customer service call line
  • Access to Silver-only events and offers like Triple Point Days
  • Advance notice of new items and sale events
  • 10% off every Tuesday at Gap and Piperlime
  • Birthday coupon
  * Note: cardholders are automatically upgraded to Silver cards after spending $800 on traditional card

 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 (Discount 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:

N/A
  REWARDS:

  • No interest if purchases of $299 or more are paid in full within 6 months
  • No interest on heating or air conditioning 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 on installed water treatment purchases of $299 or more if paid in full within 12 months
  • Access to other special financing offers throughout year

 HomeGoods26.99%
   
  TJX Rewards Credit Card
  APR: CO-BRANDED?
26.99% No
  INTRODUCTORY OFFER:

10% off first in-store purchase with card
  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 in-store purchase with card
  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

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

20% off first purchase with card (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

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

15% 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 at participating Kroger locations

 The Limited24.99%
   
  Reward Your Fashion Sense Limited Credit Card
  APR: CO-BRANDED?
24.99% No
  INTRODUCTORY OFFER:

15% off first purchase
  REWARDS:

  • Earn 1 reward point for every dollar you spend online and in-store (300 points = $15 reward)
  • Birthday bonus savings
  • First-looks at new arrivals and sale events
  • Extra point earning events throughout the year
  • Free pant hemming

 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
  • 84 months of special financing with $3,500 minimum purchase (comes with reduced APR offer of 5.99% until purchase is paid off)

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

15% off purchase (may vary based on promotional period at time of application)
  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-$900 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): Receives 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
   
  Macy's American Express Card
  APR: CO-BRANDED?
24.50% Yes, American Express
  INTRODUCTORY OFFER:

15% off purchase (may vary based on promotional period at time of application)
  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-$900 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, earn 1.5% back in rewards at Macy's and 1% back outside Macy's
  • Premier Elite Level (spends $1,000+ each year at Macy's/Macys.com): Receives 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, earn 3% back in rewards at Macy's and 1% rewards back outside Macy's

 Marshalls26.99%
   
  TJX Rewards Credit Card
  APR: CO-BRANDED?
26.99% No
  INTRODUCTORY OFFER:

10% off first in-store 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 in-store 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 warrenty coverage through MasterCard

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

0% APR if balance paid within six or 12 months (offer depends on promotion at time of application)
  REWARDS:

N/A
   
  Meijer Platinum MasterCard
  APR: CO-BRANDED?
19.99-23.99% Yes, MasterCard
  INTRODUCTORY OFFER:

0% APR if balance paid within six or 12 months (offer depends on promotion at time of application)
  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
  • 5 cents off per gallon of Meijer gasoline every day

 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)
  • 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
  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:

  • All Levels: earn 2 points for each dollar spent at Nordstrom, Nordstrom Rack or Nordstrom.com (2,000 points = $20 Nordstrom Note reward certificate)
  • Level 1 (Spend up to $1,999 annually): Early access to the annual anniversary sale, reimbursed for alterations on Nordstrom purchases with a Nordstrom Note up to $100 for the costs of the service, choose 1 day out of the year to make a Personal Triple Points shopping day
  • Level 2 (Spend $2,000-$4,999 annually): Early access to the annual anniversary sale, reimbursed for alterations on Nordstrom purchases with a Nordstrom Note up to $200 for the costs of the service, choose 2 days out of the year to make Personal Triple Points shopping days, access to special holiday shopping event
  • Level 3 (Spend $5,000-$9,999 annually): Early access to the annual anniversary sale, reimbursed for alterations on Nordstrom purchases with a Nordstrom Note up to $300 for the costs of the service, choose 3 days out of the year to make Personal Triple Points shopping days, access to special holiday shopping events, access to Extraordinary Experience packages twice per year
  • Level 4 (Spend $10,000 or more annually): Early access to the annual anniversary sale, unlimited complimentary alterations in the form of statement credits, choose 4 days out of the year to make Personal Triple Points shopping days, access to special holiday shopping event, access to Extraordinary Experience packages twice per year, access to VIP in-store events 
Note: all cardholders automatically enrolled in Level 1 upon card application approval
   
  Nordstrom Debit
  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:

  • All Levels: earn 2 points for each dollar spent at Nordstrom, Nordstrom Rack or Nordstrom.com (2,000 points = $20 Nordstrom Note reward certificate)
  • Level 1 (Spend up to $1,999 annually): Early access to the annual anniversary sale, reimbursed for alterations on Nordstrom purchases with a Nordstrom Note up to $100 for the costs of the service, choose one day out of the year to make a Personal Triple Points shopping day
  • Level 2 (Spend $2,000-$4,999 annually): Early access to the annual anniversary sale, reimbursed for alterations on Nordstrom purchases with a Nordstrom Note up to $200 for the costs of the service, choose two days out of the year to make Personal Triple Points shopping days, access to special holiday shopping event
  • Level 3 (Spend $5,000-$9,999 annually): Early access to the annual anniversary sale, reimbursed for alterations on Nordstrom purchases with a Nordstrom Note up to $300 for the costs of the service, choose three days out of the year to make Personal Triple Points shopping days, access to special holiday shopping events, access to Extraordinary Experience packages twice per year
  • Level 4 (Spend $10,000 or more annually): Early access to the annual anniversary sale, unlimited complimentary alterations in the form of statement credits, choose four days out of the year to make Personal Triple Points shopping days, access to special holiday shopping event, access to Extraordinary Experience packages twice per year, access to VIP in-store events
Note: all cardholders automatically enrolled in Level 1 upon card application approval
   
  Nordstrom Visa
  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:

  • All Levels: earn 2 points for each dollar spent at Nordstrom, Nordstrom Rack or Nordstrom.com (2,000 points = $20 Nordstrom Note reward certificate)
  • Earn 1 point per $1 spent everywhere Visa is accepted ouside Nordstrom network
  • Eligible for Visa cardholder benefits
  • Level 1 (Spend up to $1,999 annually): Early access to the annual anniversary sale, reimbursed for alterations on Nordstrom purchases with a Nordstrom Note up to $100 for the costs of the service, choose  one day out of the year to make a Personal Triple Points shopping day
  • Level 2 (Spend $2,000-$4,999 annually): Early access to the annual anniversary sale, reimbursed for alterations on Nordstrom purchases with a Nordstrom Note up to $200 for the costs of the service, choose two days out of the year to make Personal Triple Points shopping days, access to special holiday shopping event
  • Level 3 (Spend $5,000-$9,999 annually): Early access to the annual anniversary sale, reimbursed for alterations on Nordstrom purchases with a Nordstrom Note up to $300 for the costs of the service, choose three days out of the year to make Personal Triple Points shopping days, access to special holiday shopping events, access to Extraordinary Experience packages twice per year
  • Level 4 (Spend $10,000 or more annually): Early access to the annual anniversary sale, unlimited complimentary alterations in the form of statement credits, choose four days out of the year to make Personal Triple Points shopping days, access to special holiday shopping event, access to Extraordinary Experience packages twice per year, access to VIP in-store events
Note: all cardholders automatically enrolled in Level 1 upon card application approval

 Office Depot27.99%
   
  Office Depot Personal Credit Account
  APR: CO-BRANDED?
27.99% No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Deferred interest plans available on purchases of $299 or more
  • Special promotions offered to cardholders throughout the year

 OfficeMax9.99-23.99%
   
  OfficeMax Visa Signature Card
  APR: CO-BRANDED?
9.99-23.99% Yes, Visa
  INTRODUCTORY OFFER:

0% APR for the first six billing cycles; Receive 1,000 bonus points after first card purchase
  REWARDS:

  • No limit to rewards points that can be earned
  • $1 spent at OfficeMax (in-store, online or by phone) = 3 points
  • 1 point per $1 spent anywhere else Visa is accepted
  • Automatic MaxPerks noncredit loyalty program benefits
  • Earn 8% or more in rewards on OfficeMax purchases when you use your card along with MaxPerks membership

 QVC21.74%
   
  QCard
  APR: CO-BRANDED?
21.74% No
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • 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

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

N/A
  REWARDS:

  • Advanced notice of Sears sales events
  • Cardholder-only coupons/sale deals each month
  • Extra 5% off or no interest if paid within 12 months on home appliance purchases over $499
  • Earn 5% back in points with card purchases at Kmart
  • Extra 5% off or up to 60 months special financing on select mattress/foundation purchases
  • Extra 5% off or 12 months no interest on lawn and garden purchases over $299
   
  Sears MasterCard
  APR: CO-BRANDED?
25.24% Yes, MasterCard
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Advanced notice of Sears sales events
  • Cardholder-only coupons/sale deals each month
  • Extra 5% off or no interest if paid within 12 months on home appliance purchases over $499
  • Earn 5% back in points with card purchases at Kmart
  • Extra 5% off or up to 60 months special financing on select mattress/foundation purchases
  • Extra 5% off or 12 months no interest on lawn and garden purchases over $299
  • Citi Private Pass access to concerts; discounts on sports and other events
  • Presales and special offer access

 ShopRite15.24-19.24%
   
  ShopRite Rewards MasterCard
  APR: CO-BRANDED?
15.24-19.24% Yes, MasterCard
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Earn 1 ShopRite rewards point for every $1 spent on all purchases (points can be redeem for goods after 150 points are accumulated)

 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 (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)
   
  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:

  • May be eligible for 6-, 12- or 18-month special financing plans based on promotional period 
  • May be eligible for reduced interest rate payment plans (minimum 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:

N/A
  REWARDS:

  • Free shipping on Staples.com purchases
  • Automatic enrollment for Staples Rewards benefit: Double ink recycling limit, Office on the Go rewards, free hardware/software installment by Staples Easy Tech service per year, 5% back on every in-store and online purchase, exluding postage, phone/gift cards and savings passes

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

5% off purchase
  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 Visa*
  APR: CO-BRANDED?
22.90% Yes, Visa
  INTRODUCTORY OFFER:

5% off purchase
  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:

5% off purchase
  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
  *Note: REDcard Visa not available to new applicants, upgrade offered later to qualifying cardholders

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

10% off first in-store 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 in-store 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 warrenty 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 4 points for every $1 spent on qualifying Toys R Us and Babies R Us in-store or online purchases (500 points = $5 reward certificate
  • May be eligible for double rewards earning promotions
   
  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 4 points for every $1 spent on qualifying Toys R Us and Babies R Us in-store or online purchases
  • 500 points = $5 reward certificate
  • May be eligible for double rewards earning promotions
  • Earn 1 reward point for every $1 spent everywhere else MasterCard is accepted

 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
  • Advanced 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:

$10 off next purchase
  REWARDS:

  • Earn 3% back on True Value purchases
  • 0% financing if a minimum $299 purchase is paid in full within 6 months
  • 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
  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
  • 0% financing if a minimum $299 purchase is paid in full within 6 months

 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 (offer valid until 12/31/14)
  REWARDS:

  • Save 15 cents per gallon of gasoline purchased at Walmart gas stations
   
  Walmart Discover Card*
  APR: CO-BRANDED?
22.90% Yes, Discover
  INTRODUCTORY OFFER:

Receive a $25 statement credit when you spend $75 and open a card (offer valid until 12/31/14)
  REWARDS:

  • Earn up to 1% cash back on all purchases
  • Save 15 cents per gallon of gasoline purchased at Walmart gas stations
   
  Walmart MasterCard*
  APR: CO-BRANDED?
22.90% Yes, MasterCard
  INTRODUCTORY OFFER:

N/A
  REWARDS:

  • Earn a $5 statement credit for every $500 of card purchases
  • May be eligible for special financing promotions
  • MasterCard Rewards Program benefits
  * Note: Walmart is switching over to MasterCard co-branding services starting in August 2014. See terms and conditions for details regarding the transition for existing and prospective cardholder.

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

2,500 bonus points awarded after first card 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 Barclays Card US, gift cards starting at $25 and culinary experience workshops held exclusively for cardholders in stores internationally
  • Extra points may be rewarded for bridal registry purchases
  • Free online shipping

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

Published: August 6, 2014



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Credit Card Rate Report

Updated: 11-25-2014

National Average 14.98%
Low Interest 10.37%
Balance Transfer 12.73%
Business 12.85%
Student 13.14%
Reward 14.93%
Cash Back 14.94%
Airline 15.46%
Bad Credit 22.73%
Instant Approval 23.33%

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