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CreditCards.com 2010 retail credit card chart

Compare interest rates, rewards and more for 36 retailers' cards

By Tyler Metzger and Cara Henis

The retail credit card landscape changed quite a bit from 2009 to 2010 -- with more merchants boosting the annual percentage rates (APRs) on their credit cards and making it a bit more challenging to redeem rewards and points. Part of the blame can be laid on the economy; the other part on the passage of the Credit CARD Act of 2009, which eliminated same-as-cash deals (no interest, no payments) and placed other limitations on fees and APRs.(See article "Retail cards 2010: Higher APRs, reduced rewards")

Some highlights:

  • Of the 36 cards highlighted in our 2010 survey, 18 (50 percent) boast higher APRs this year.
  • Best Buy tops the list with the highest APR of 27.99 percent.
  • 19 cards reflect APRs close to 25 percent.
  • Staples, Office Depot and Men's Wearhouse credit cards list a 25.99 percent interest rate.
  • Home Depot and Meijer list a 26.99 percent interest rate.

Experts warn that carrying a balance on a credit card with a high APR can eliminate any savings realized in discounts or coupons. The chart below lists whether a retailer offers co-branded (cards sponsored by both a retailer and an issuing bank) or non-co-branded (where there's no issuer partnership) cards. Here's the 2010 CreditCards.com chart:

CATEGORIES
Books Department Home/office Sporting goods
Bulk Electronics Jewelry Super stores
Clothing Grocery Military Toys

BOOKS

Barnes & Noble
  APR CO-BRANDED? C0-BRAND
0% first six months, then 13.74% to 21.74% Yes
MasterCard
  REWARDS

Receive a free $25 Barnes & Noble gift certificate after first purchase with the card; save 5% on every purchase at Barnes & Noble stores or online; earn one point for every $1 spent at places other than Barnes & Noble; after reaching 2,500 points, get a $25 Barnes & Noble gift card.

BULK

Costco
  APR CO-BRANDED? C0-BRAND
0% first 6 months, then 15.24% Yes
American Express
  REWARDS

Unlimited cash back for all purchases (3% for gas purchases up to $3,000, then 1% after that; 3% for restaurants, 2% for travel, 1% elsewhere, including Costco); credit card serves as Costco membership card. There's also a card for business use; business owners get 4% cash back for gas purchases up to $6,000, then 1% after that; get savings at other businesses such as Fed Ex and Hyatt hotels; get cash back in form of in-store coupon.

CLOTHING

Abercrombie & Fitch
  APR CO-BRANDED? C0-BRAND
24.99% No n/a
  REWARDS
  n/a
Ann Taylor
  APR CO-BRANDED? CO-BRAND
Co-branded: 17.99% to 24.99%
Not co-branded: 24.99%
One version is,
one is not
MasterCard
  REWARDS

Earn 5 points for every $1 spent at Ann Taylor or LOFT; earn 1 point on purchases elsewhere with the MasterCard; get a $20 gift card for every 2,000 points earned; get 15% off when get the card; chances to earn bonus points and special offers provided.
Banana Republic, Gap, Old Navy, Piperlime, Athleta
  APR CO-BRANDED? CO-BRAND
Co-branded: 17.24% to 20.24%
Not co-branded: 22.99%
One version is,
one is not
Visa
  REWARDS

Earn 5 points per $1 spent at Banana Republic, Gap, Old Navy, Piperlime or Athleta or earn 1 point for every $1 spent anywhere Visa is accepted; every time you earn 1,000 points, receive a $10 reward card that can be used on piperlime.com, bananarepublic.com, gap.com, oldnavy.com and athleta.com; save 10% on Tuesdays at Gap, Old Navy and Piperlime; receive special offers and advance notice of sale events.
Barneys
  APR CO-BRANDED? CO-BRAND
21.0%; 18% in HI, LA, MA, MN, SC 18%-21.0% in AL, NE
6.5% in AR
No n/a
  REWARDS

Get 2% back after spending $2,000-$4,999; get 3% back after spending $5,000-$9,999; get 4% back after spending $10,000-$24,999; get 5% back after spending $25,000-$49,000; get 6% back after spending $50,000 or more.
Cato, It's Fashion
  APR CO-BRANDED? CO-BRAND
22.90% No n/a
  REWARDS

Receive special fashion news.
Lane Bryant
  APR CO-BRANDED? CO-BRAND
24.99% No n/a
  REWARDS

Receive a $10 reward check when you get 400 points; get 2 point per $1; after spending $400, get upgraded to a premier credit card and receive a $25 rewards check each time accumulate 400 points; receive 15% off your first purchase.
Men's Wearhouse
  APR CO-BRANDED? CO-BRAND
25.99% No n/a
  REWARDS

Receive $50 for every $500 spent
The Limited
  APR CO-BRANDED? CO-BRAND
24.99%
No n/a
  REWARDS

Apply today and take 15% off of first purchase; receive special discounts, advance notice of special events and free hemming service on regularly priced pants; earn one point for ever $1 spent with the card; get a $15 gift coupon for every 300 points; spend $600 in a year, and card will be upgraded to the Couture Card, entitling the user to a $15 gift coupon for every 250 points.
TJ Maxx, Marshalls, A.J. Wright
  APR CO-BRANDED? CO-BRAND
Co-branded: 12.24% to 19.24%
Not co-branded: 21.99% 
One version is,
one is not
MasterCard
  REWARDS

Earn 5 points for every dollar spent at T.J.Maxx, Marshalls, HomeGoods and A.J.Wright stores; for co-branded cards, earn 1 point for every dollar spent elsewhere; after earning 1,000 points, earn a $10 gift certificate; earn 10% off your first in-store purchase.

DEPARTMENT

Bloomingdale's
  APR CO-BRANDED? C0-BRAND
24.50% Yes
Visa
  REWARDS

Three levels with increasing perks. Save 10% off when apply; Exclusive travel and entertainment offers and insider membership days with savings; spend $1,000 annually and get 12 free gift wraps per year; earn more rewards for staying at certain hotels and receive special savings on purchases; spend $2,500 annually and get inside access to events and offers just for card members, free local delivery on most items and unlimited free gift wrapping.
J.C. Penny
  APR CO-BRANDED? CO-BRAND
23.99%
No
n/a
  REWARDS

Sign up and save 10% that day; earn 25% more reward points by using J.C. Penny credit card; there are three different levels with increasing perks; the higher levels include free shipping offers and special savings offers; accepted at CVS and Rite Aid.
Kohl's
  APR CO-BRANDED? CO-BRAND
21.90% No n/a
  REWARDS

Save 10% on next purchase when apply; save an extra 15%-30% on all regular and sale purchases; if spend at least $600 on the card, receive special savings opportunities and the opportunity to pick a personal sale day six times per year.
Macy's
  APR CO-BRANDED? CO-BRAND
24.50% 4 are co-branded,
4 are not co-branded
Visa
  REWARDS

Four levels based on annual spending with increasing perks; apply now and receive 15% off today and tomorrow; receive monthly savings information, easy returns of Macy's purchases and, on higher level co-branded cards, receive rewards certificates.
Neiman Marcus/Bergdorf Goodman
  APR CO-BRANDED? CO-BRAND
23.99%
No n/a
  REWARDS

Earn 2 points per $1 spent; receive 2,000 points for signing up; upon reaching 10,000 points, redeem for airline miles and gift cards.
Nordstrom debit card
  APR CO-BRANDED? CO-BRAND
n/a
One version is,
one is not
Visa
  REWARDS

Earn 2 points per $1 spent at Nordstrom; co-branded card use earns 1 point for every $1 spent elsewhere; upon reaching 2,000 points, receive $20 Nordstrom gift certificate; earn twice the rewards points when shopping during the half-yearly sales; in co-branded account, earn interest on money in account and can invest it in a CD.
Nordstrom credit card
  APR CO-BRANDED? CO-BRAND
10.9% to 22.9%. Two versions are,
one version is not
Visa
  REWARDS

Earn 2 points per $1 spent at Nordstrom; co-branded card use earns 1 point for every $1 spent elsewhere; upon reaching 2,000 points, receive $20 Nordstrom gift certificate; earn twice the rewards points when shopping during half-yearly sales.
Saks Fifth Avenue
  APR CO-BRANDED? CO-BRAND
Co-branded: 18.99% to 20.99%
Not co-branded: 23.99%
One version is,
one is not
MasterCard
  REWARDS

Comes with increasing perks, depending on the amount spent throughout the year; receive a $25 welcome gift card when opening a co-branded card, and earn Saks gift cards by collecting points when you use the card; with the co-branded cards, receive access to travel benefits and concierge services.
Sears, Kmart
  APR CO-BRANDED? CO-BRAND
25.24% One version is,
one is not
MasterCard
  REWARDS

Earn points on eligible purchases both in Sears or Kmart stores and at other places MasterCard is accepted (if using the co-branded card); once you earn at least 2,500 points, you can trade them in for gift cards at restaurants, other retailers or Sears/Kmart stores; upon reaching 13,000 points, you can begin earning travel discounts; earn a round trip flight at 49,200 points.

ELECTRONICS

Best Buy
  APR CO-BRANDED? C0-BRAND
Co-branded: credit history relative
Not co-branded: 25.24% to 27.99%
One version is,
one is not
MasterCard
  REWARDS

With the MasterCard, earn 1 point per $1 spent on dining and groceries, earn 2 points for each $1 spent at Best Buy, earn 1 point for every $2 spent elsewhere card is accepted; receive certificates toward music, movies and electronics. With the not co-branded card, receive reduced interest rates for purchases above $299.

GROCERY

Kroger
  APR CO-BRANDED? C0-BRAND
13.99% to 23.99%
Yes
MasterCard
  REWARDS

Earn 2 points per $1 spent at Kroger, Ralphs, King Shopper, City Market, Dillons, Baker's, Smith's, Fry's food stores, or QFC; earn 3 points per $1 spent on Kroger brands or earn 1 point per $1 anywhere the card is accepted; for every 1,000 points, earn $5 in free groceries; get a 5 cent per gallon discount on gasoline at certain locations.

HOME/OFFICE

Home Depot
  APR CO-BRANDED? C0-BRAND
17.99% to 26.99% No
n/a
  REWARDS

Save 10% on in-store purchases; no interest all the time on purchases of $299 or more if paid in full within 6 months; special promotions throughout the year.
Homegoods
  APR CO-BRANDED? CO-BRAND
Co-branded: 12.24% to 19.24%
Not co-branded: 21.99%
One version is,
one is not
MasterCard
  REWARDS

Earn 5 points for every dollar spent at T.J. Maxx, Marshalls, HomeGoods and A.J.Wright stores; for co-branded cards, earn 1 point for every dollar spent elsewhere; after earning 1,000 points, earn a $10 gift certificate; earn 10% off your first in-store purchase.
Lowe's
  APR CO-BRANDED? C0-BRAND
Credit card: 22.99%;
Project card: 7.99% to 17.99%
No
n/a
  REWARDS

Two options: Lowe's credit card and Lowe's project card; credit card has no initial qualifying purchase, has special deferred payment promos throughout the year, low monthly payments, pay no interest on purchases of $299 or more if purchase paid in full within 6 months. For the project card, an initial $1,000 purchase must be made before you qualify; during the first six months, you may keep making purchases without accruing interest or making payments.
Office Depot
  APR CO-BRANDED? C0-BRAND
Up to 25.99% No
N/a
  REWARDS

Pay no interest on purchases of $299 or more if purchase paid in full within 6 months.
Staples
  APR CO-BRANDED? CO-BRAND
25.99% No n/a
  REWARDS

Earn 10% back in rewards on all ink, toner, case and ream paper, and copy and print center services; get free delivery on orders of $50 or more and enjoy special member-only savings.

JEWELRY

Kay Jewelers, Jared, Morgan and Marks, Osterman Jewelers
  APR CO-BRANDED? C0-BRAND

24.99% in all states except 5.0% in AR, 21% in CO, GA, IN, MS, OK, TX, VT, WV, WY, 18% to 21% in AL, 24% in DC, MD, 22.9% in IA, WI, 18% to 21% in NE.

No
n/a
  REWARDS

Each store offers its own in-house credit card; all provide financing options depending on the size of the purchase.

MILITARY

Army & Air Force Exchange Service
  APR CO-BRANDED? C0-BRAND
Co-branded: credit history relative
Not co-branded: 10.24%
One version is,
one is not
MasterCard
  REWARDS

When using the co-branded card, get cash back and redeem any points earned for travel or entertainment certificates.

SPORTING GOODS

Academy Sports & Outdoor
  APR CO-BRANDED? C0-BRAND
11.99% to 20.99% Yes
Visa
  REWARDS

Earn 5 points per $1 at Academy or earn 1 point per $1 spent elsewhere; after you've collected 2,500 points, receive a $25 gift certificate; receive 1,000 bonus points after first purchase.
Cabela's
  APR CO-BRANDED? C0-BRAND
9.99% on Cabela's purchases;
15.30% to 18.30% on other purchases
Yes
Visa
  REWARDS

Get approved instantly and take $15 off same-day purchases; get 2% back in Club points for all Cabela's purchases, and when making select purchases at Cenex Convenience Stores; get 1% back for all purchases elsewhere; there is no limit on points and points never expire on accounts in good standing.

SUPER STORES

Kmart, Sears
  APR CO-BRANDED? CO-BRAND
25.24% One version is,
one is not
MasterCard
  REWARDS

Earn points on eligible purchases both in Sears or Kmart stores and at other places MasterCard is accepted (if using the co-branded card); once you earn at least 2,500 points, you can trade them in for gift cards at restaurants, other retailers or Sears/Kmart stores; upon reaching 13,000 points, you can begin earning travel discounts; earn a round trip flight at 49,200 points.
Meijer
  APR CO-BRANDED? CO-BRAND
Co-branded: 19.99% to 23.99%
Not co-branded: 26.99%
One version is,
one is not
MasterCard
  REWARDS

Co-branded: Earn 1 point for every dollar spent both in-store and anywhere MasterCard is accepted; when you earn 2,000 points, receive $10 in store credit. Not co-branded: Get 5 cents off of every gallon of Meijer gas, get 10% off of your first purchase.
Target debit card
  APR CO-BRANDED? C0-BRAND
n/a n/a
n/a
  REWARDS

Get 10% off for the day when you pay for a prescription with your card; earn 1 point per $1 spent at Target; when you reach 1,000 points, get 10% off for an entire day; your purchases are deducted from your checking account and you can request up to $40 cash back at checkout; cannot be used at Target.com.
Target credit card
  APR CO-BRANDED? C0-BRAND
25.24% No
N/a
  REWARDS

Get 10% off for the day when you get approved for a credit card or when you pay for a prescription with your card; earn 1 point per $1 spent at Target; when you reach 1,000 points, get 10% off for an entire day.
Wal-Mart
  APR CO-BRANDED? C0-BRAND
Co-branded: 13.9% to 22.9%
Not co-branded: 22.9%
One version is,
one is not
Discover
  REWARDS

Co-branded card earns 1% cash back on all purchases; both cards give you a 3 cent per gallon discount at Wal-Mart gas stations; receive $20 back on a $100 walmart.com purchase when open a new account.

TOYS

Toys R Us, Babies R Us
  APR CO-BRANDED? C0-BRAND
Co-branded: 15.24% to 19.24%
Not co-branded: 21.24%
One version is,
one is not
MasterCard
  REWARDS

Earn 4 points per $1 spent at Toys "R" Us or Babies "R" Us and, with the MasterCard, get 1 point for every $1 spent on eligible purchases such as gas or groceries; when you reach 1,000 points, you get a $10 reward certificate valid at either Toys "R" Us or Babies "R" Us; receive 10% off of your first purchase.

See related: Retail cards 2010: Higher APRs, reduced rewards, CreditCards.com 2009 retail credit card chart

Updated: September 16, 2010


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