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Research and Statistics

Chart: 2016 Retail Card Survey data

Summary

Interested in opening a store card? Our 2016 survey data offers store-by-store details to help you find the right one for you

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we may receive compensation when you click on links to products from our partners. Learn more about our advertising policy.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Please see the bank’s website for the most current version of card offers; and please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

The content on this page is accurate as of the posting date. Some of the offers mentioned below may no longer be available. Please review our list of best credit cards to find our current offers, or use our CardMatch tool to find cards matched to your needs.

Interest rates approaching 30 percent and fewer new cardholder sign-up offers are the latest trends among retail store credit card offers, according to the 2016 CreditCards.com Retail Credit Card Survey.

(See article,2016 retail card survey: APRs climbing, sign-up deals fading)

The chart below provides details of the 68 retail credit cards issued by the 44 largest retailers in the U.S. that offer cards. Both the retailers’ store-only cards and their general use (co-branded) cards are included.

Click and unclick the retailer names to compare card offers, or select “view all cards” to peruse all surveyed card offers. The data will appear below.

Academy Sports & Outdoors
11.49 – 23.49%

Academy Sports & Outdoors Visa Signature Card
APR:  11.49 – 23.49%

Network:

Visa

Cash Adv. APR:

24.24%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
$15 credit and 1,000 bonus points after 1st purchase

 

Rewards

  • 2,500 points = $25 gift card

 

Ace Hardware
14.24 – 23.24%

Ace Rewards Visa Platinum Card
APR:  14.24 – 23.24%

Network:

Visa

Cash Adv. APR:

24.24%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
0% APR first 6 months

 

Rewards

  • 3% back in Ace Rewards points/$1 spent at Ace Stores
  • 2% back in Ace Rewards points/$1 spent at gas stations and grocery stores
  • 1% back in Ace Rewards points/$1 spent everywhere else
  • 12,500 points = $25 Ace rewards certificate

 

 

Ace Rewards Visa Signature Card
APR:  14.24 – 23.24%

Network:

Visa

Cash Adv. APR:

24.24%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
0% APR first 6 months

 

Rewards

  • 3% back in Ace Rewards points/$1 spent at Ace Stores
  • 2% back in Ace Rewards points/$1 spent at gas stations and grocery stores
  • 1% back in Ace Rewards points/$1 spent everywhere else
  • 12,500 points = $25 Ace rewards certificate

 

Amazon.com
14.49 – 26.24%

Amazon.com Store Card
APR:    26.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $35

Sign-up Offer
A $20 Amazon.com gift card will be instantly loaded into your Amazon.com account upon the approval of your Credit Card application

 

Rewards

  • 5% back on Amazon purchases (issued as a statement credit)
  • 6 months special financing on purchases of $149 or more
  • 12 months special financing on purchases of $599 or more
  • 4 months special financing on select Amazon-sold items

 

 

Amazon.com Rewards Visa
APR:    14.49 – 22.49%

Network:

Visa

Cash Adv. APR:

25.24%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
Apply today and a $50 Amazon.com gift card will instantly be loaded into your Amazon.com account

 

Rewards

  • 3% back on Amazon purchases
  • 2% back on restaurants purchases
  • 1% back on all other qualifying Visa purchases
  • 6 months special financing on qualifying purchases

 

Apple Store / iTunes
14.24 – 27.24%

Apple Rewards Card from BarclayCard US
APR:  14.24 – 27.24%

Network:

Visa

Cash Adv. APR:

27.49%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • 3 points/$1 for purchases made at Apple retail stores
  • 2 points/$1 spent at restaurants
  • 1 point/$1 spent everywhere else
  • 2,500 points = a $25 Apple or iTunes gift

 

Army / Air Force Exchange
10.49%

Military Star Card
APR:  10.49%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

18.49%

Late Fee:

None

Sign-up Offer
None

 

Rewards

  • $1= 2 points
  • 2,000 points = $20 rewards Card
  • 0% APR for Military Clothing Plan purchases

 

Ascena Retail Group
27.24%

Catherines credit card
APR:    27.24%

Network:

None

Cash Adv. APR:

25.24%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • 10% off purchases

 

 

Justice credit card
APR:    27.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $35

Sign-up Offer
None

 

Rewards

  • 5% off purchases

 

 

Lane Bryant credit card
APR:    27.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • 2 points/$1 spent at Lane Bryant, Cacique, Lane Bryant Outlet, Cacique, Lane Bryant Outlet, lanebryant.com and cacique.com
  • 1 point/$1 spent at Catherines or on Catherines.com
  • 400 points = $10 reward certificate
  • Spend $400 = earn Premier cardholder status
  • Spend $800 = earn Platinum cardholder status

 

 

Maurices credit card
APR:    27.24%

Network:

None

Cash Adv. APR:

27.24%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

  • 10% off first purchase when opened in store
  • 15% discount when your card arrives in the mail

 

 

Rewards

None

 

 

Barnes & Noble
14.24 – 25.24%

Barnes & Noble MasterCard
APR:  14.24 – 25.24%

Network:

MasterCard

Cash Adv. APR:

25.49%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

  • 0% balance transfer APR for 15 months on each balance transfer that posts to your account within 45 days of account opening
  • $25 Barnes & Noble Gift Card after first purchase or balance transfer

 

Rewards

  • Earn a 5% rebate (as a statement credit) on purchases at any Barnes & Noble, B. Dalton, Bookstop, Bookstar, Doubleday, Ink Newsstand, and Charlesbank stores (Barnes & Noble Stores) or bn.com
  • 2 points/$1 spent at resturants
  • 1 point/$1 spent everywhere else

 

Belk
24.49%

Belk Rewards Card
APR:  24.49%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $35

Sign-up Offer

  • 20% off first day of purchases
  • 15% off home/shoes purchases

 

 

Rewards

  • 1 point/$1 spent
  • 400 points = $10 gift certificate
  • Spend $600/year become Premier cardholder
  • Premier cardholders receive “flexible payment options” and special savings
  • Spend $1,500/year become Elite cardholder
  • Elite cardholder receives free shipping, personal sale days birthday rewards and more

 

Best Buy
25.49%

My Best Buy Visa Card
APR:  25.49%

Network:

Visa

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

  • 10% back in rewards on first purchase
  • 11.90% APR for select purchases eligible for the 48 month reduced rate credit plan

 

Rewards

  • Choose between 5% back in rewards on qualifying purchases or flexible financing on every purchase, every day
  • 3% back on gas and clothing purchases through October 2016
  • 2% back on dining and grocery purchases
  • $3,500/year = Elite Plus cardholder status
  • Elite Plus cardholders receives 6% back on qualifying Best Buy purchases

 

 

My Best Buy Credit Card
APR:  25.49%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

  • 10% back in rewards on first purchase
  • 11.90% APR for select purchases eligible for the 48 month reduced rate credit plan

 

Rewards

  • Choose between 5% back in rewards on qualifying purchases or flexible financing
  • $3,500/year = Elite Plus status
  • Elite Plus cardholders get 6% back on qualifying Best Buy purchases

 

Big Lots
29.99%

Big Lots Credit Card
APR:   29.99%

Network:

None

Cash Adv. APR:

None

Penalty APR:

None

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • No interest if paid in full within 6 months on purchases over $250
  • No interest if paid in full within 12 months on purchases over $750

 

BJ’s Wholesale Club
15.24 – 25.24%

BJ’s Perks Plus MasterCard
APR:   15.24 – 25.24%

Network:

MasterCard

Cash Adv. APR:

27.24%

Penalty APR:

None

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • Earn up to 3% back on most in-Club and BJs.com purchases
  • Save 10 cents/gallon at BJ’s Gas
  • Get 2% back on dining/non-BJ’s gas purchases
  • Get 1% back everywhere else
  • Save up to $25 on annual Membership Fee with BJ’s Easy renewal

 

BJ’s Perks Elite MasterCard
APR:   15.24 – 25.24%

Network:

MasterCard

Cash Adv. APR:

27.24%

Penalty APR:

None

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • Earn up to 5% back on most in-Club and BJs.com purchases
  • Save 10 cents/gallon at BJ’s Gas
  • Get 2% back on dining/non-BJ’s gas purchases
  • Get 1% back everywhere else
  • Save up to $25 on annual Membership Fee with BJ’s Easy renewal

 

Costco
15.49%

Costco Anywhere Visa Card by Citi
APR:  15.49%

Network:

Visa

Cash Adv. APR:

25.49%

Penalty APR:

29.99%

Late Fee:

Up to $37

Sign-up Offer
0% APR first 7 months

 

Rewards

  • 4% cash back on eligible gas for the first $7,000/year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Receive a reward coupon annually redeemable for cash or merchandise at Costco

 

Dick’s Sporting Goods
27.24%

Dick’s Sporting Goods Credit Card
APR:  27.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $35

Sign-up Offer
None

 

Rewards

  • 6% back in Rewards to the “Score card” program
  • 2 points/$1 spent in-stores
  • 1 point/$3 spent everywhere else
  • 300 points = $10 Rewards
  • 12 month special financing on in-store purchases of $399 or more (after discounts)

 

 

Dick’s Sporting Goods Mastercard
APR:  27.24%

Network:

MasterCard

Cash Adv. APR:

29.99%

Penalty APR:

N/A

Late Fee:

Up to $35

Sign-up Offer
None

 

Rewards

  • 6% back in Rewards to the “Score card” program
  • 2 points/$1 spent in-store
  • 1 point/$3 spent everywhere else
  • 300 points = $10 Rewards
  • 12 month special financing on in – store purchases of $399 or more (after discounts)

 

Dillard’s
10.24 – 25.24%

Dillard’s Elite Rewards Card
APR:  23.24 – 25.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
0% APR for 12 or 24 months on qualifying Club Plan purchases

 

Rewards

  • 2 points/$1 spent at Dillard’s
  • 1,500 points = 10% off coupon or a $10 gift certificate

 

 

Dillard’s American Express Card
APR:  10.24 – 25.24%

Network:

Visa

Cash Adv. APR:

27.24%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None online, see current offer in stores for more information

 

Rewards

  • 2 points/$1 spent at Dillard’s
  • 2 points/$1 spent at U.S. gas stations and grocery stores
  • 1 point/$1 spent everywhere else
  • 1,500 points = 10% off coupone or a $10 gift certificate

 

GameStop
27.24%

GameStop PowerUP Rewards Credit Card
APR:    27.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

First-purchase reward point bonus:

  • 15,000 points for Pro cardholders
  • 5,000 for Basic cardholders

 

Rewards

  • Benefits of the PowerUp Reward program
  • $250 spent = 5,000 bonus points

Gap
14.49 – 22.49%

Gap Credit Card
APR:    25.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
Save 15% on first purchase

 

Rewards

  • 5 points/$1 spent at in stores (GAP, Old Navy, Banana Republic and Athleta) or online
  • 500 points = $15 rewards
  • 5,000 points/year receive Gap Silver cardholder status

 

 

GAP Visa Card
APR:    25.24%

Network:

Visa

Cash Adv. APR:

27.24%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
Save 15% on first purchase

 

Rewards

  • 5 points/$1 spent at in stores (GAP, Old Navy, Banana Republic and Athleta) or online
  • 1 point/$1 spent elsewhere
  • 1,000 points = $10 rewards
  • 5,000 points/year receive Gap Silver cardholder status

 

Giant Eagle
25.24%

Giant Eagle fuelperks! Credit Card
APR:    25.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • Get 4 cents/gallon for $50 spent inside Giant Eagle/GetGo
  • Get 4 cents/gallon on future fuel for $100 spent on fuel at GetGo

Home Depot
17.99 – 26.99%

Consumer Credit Card
APR:  17.99 – 26.99%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $35

Sign-up Offer
0% purchase APR if purchase is paid in full in 6 months, $299 minimum purchase required

 

Rewards

  • Special financing on purchases of $299 or more
  • No interest if paid in full within 12 months on any installed roofing, siding, windows, insulation, gutter, and leaf protection purchases of $5000 or more
  • No interest if paid in full within 12 months on any installed water treatment purchases of $299 or more
  • No interest if paid in full within 12 months on any installed heating or air conditioning purchases of $299 or more
  • No interest if paid in full within 12 months on select doors and windows purchases of $299 or more

 

J.C. Penney Co.
26.99%

JCPenney Credit Card
APR:  26.99%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

  • 15% off when you open and use your JCPenney credit card the same day
  • 5% off major appliances and Modern Bride Diamond Vault purchases

 

 

Rewards

  • 1 point/$1 spent with store card in-stores or online
  • 1 point/$2 spent with any other method of payment
  • 200 points = $10 rewards
  • Spend $500/year become Gold cardholder
  • Spend $1,000/year become Platinum cardholder

 

Kohl’s
24.24%

Kohl’s Charge
APR:  24.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

27.27%

Late Fee:

Up to $37

Sign-up Offer

  • Take 25% off first purchase
  • Get a 15% off coupon when card arrives in the mail

 

 

Rewards

  • Access to 12 special offers of 15-30% off every year

 

Kroger Co.
14.24 – 24.24%

1 – 2 – 3 Rewards Visa Card
APR:  14.24 – 24.24%

Network:

Visa

Cash Adv. APR:

25.49%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

  • Save an additional 25 cents per gallon at Kroger Family of Stores Fuel Centers for the first 3 months when you redeem 100 fuel Rewards points
  • 0% purchase APR for 9 months

 

 

Rewards

  • 3 points/$1 spent on Kroger family brands
  • 2 points/$1 spent at the Kroger family of stores (excluding Fuel Centers)
  • 1 point/$1 spent everywhere else
  • 1,000 points = $5 free groceries

 

L Brands
25.24%

Victoria’s Secret Angel Credit Card
APR:    25.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • $1 spent = 1 point
  • 250 points =$10 reward certificate
  • 500 points = upgrade to Angel VIP Card
  • 1,000 points = upgrade to Forever Angel Card

Lowe’s Companies
26.99%

Lowe’s Consumer Credit Card
APR:    26.99%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $38

Sign-up Offer
None

 

Rewards

  • 5% off store purchases
  • Access to 6 months of Special Project Financing (36-, 60- or 84-month fixed offers)

 

Macy’s
25.49%

Macy’s American Express Card
APR:    25.49%

Network:

AMEX

Cash Adv. APR:

25.49%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
In-store application offers may vary

 

Rewards

  • Preferred cardholders: Spend $1-$499/year = 3x coupons/year
  • Elite cardholders: Spend $500-$1,199/year = 6x coupons/year
  • Premier Elite cardholders: Spend $1,200+/year = 9x coupons/year plus exclusive online shipping offers

 

 

Macy’s Credit Card
APR:    25.49%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
Save 20% off today and tomorrow on card purchases made after opening (Total of up to $100)

 

Rewards

  • Preferred cardholders: Spend $1 – $499/year = 3x coupons/year
  • Elite cardholders: Spend $500 – $1,199/year = 6x coupons/year
  • Premier Elite cardholders: Spend $1,200+/year = 9x coupons/year plus exclusive online shipping offers

 

Meijer
20.24 – 24.24%

Meijer Credit Card
APR:  24.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
$10 off first purchase

 

Rewards

  • $750 spent = $10 reward certificate
  • Save 10 cents per gallon at Meijer Gas Stations

 

 

Meijer Platinum MasterCard
APR:  20.24 – 24.24%

Network:

MasterCard

Cash Adv. APR:

27.24%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

  • $10 off your first purchase
  • Earn $100 statement credit when you spend $1,000 outside of Meijer within 90 days

 

 

Rewards

  • $750 spent = $10 reward certificate
  • Save 10 cents/ gallon at Meijer Gas Stations

 

Menards
25.24%

Menard’s BIG Credit Card
APR:  25.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

28.24%

Late Fee:

Up to $35

Sign-up Offer
None

 

Rewards

  • 2% back in the form of rebates on Menards purchases
  • 6 month financing on purchases over $299
  • 48 month financing on purchases over $1,500

 

Neiman Marcus
24.24%

Neiman Marcus Credit Card
APR:  24.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $35

Sign-up Offer
5,000 Bonus InCircle points when an account is opened and used to make a purchase on the same day

 

Rewards

  • Earn 2 InCircle points for each dollar on purchases made with card
  • 10,000 InCircle points = $100 Point Card, which can be used toward purchases made at Neiman Marcus, Bergdorf Goodman, Last Call, Horchow, and CUSP (in stores, online, or by catalog)

 

Nordstrom
11.15 – 23.15%

Nordstrom Debit Card
APR:  N/A

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

N/A

Sign-up Offer
Get a $20 bonus Note when you spend $100 at Nordstrom, Nordstrom Rack or HauteLook with new Nordstrom card the day of approval

 

Rewards

  • 2 points/$1 spent in store
  • 2,000 points = $20 gift certificate
  • Reward earnings can increase 4 levels, based on spending

 

 

Nordstrom Retail Card
APR:  23.15%

Network:

None

Cash Adv. APR:

27.15%

Penalty APR:

30.15%

Late Fee:

Up to $37

Sign-up Offer
Get a $20 bonus Note when you spend $100 at Nordstrom, Nordstrom Rack or HauteLook with new Nordstrom card the day of approval

 

Rewards

  • 2 points/$1 spent in store
  • 2,000 points = $20 gift certificate
  • Reward earnings can increase 4 levels, based on spending

 

 

Nordstrom Visa Signature Card
APR:  11.15 – 23.15%

Network:

Visa

Cash Adv. APR:

27.15%

Penalty APR:

30.15%

Late Fee:

Up to $37

Sign-up Offer
Get a $20 bonus Note when you spend $100 at Nordstrom, Nordstrom Rack or HauteLook with your new Nordstrom card the day you are approved

 

Rewards

  • 2 points/$1 spent in store
  • 2,000 points = $20 gift certificate
  • Reward earnings can increase 4 levels, based on spending

 

Office Depot/Office Max
26.24%

Office Depot/Office Max personal Credit Card
APR:  26.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
6 months special financing, minimum purchase $299

 

Rewards

  • Get 10% back in rewards automatically on paper, ink, toner and copy/print/ship services

 

QVC
26.24%

Qcard
APR:  26.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • No interest if paid in full in 9, 12, or 18 months on select products
  • Access to TSV Presale
  • QVC Priority Order Line/Customer Service
  • Free QVC Studio Tour for cardholder + 5 friends

 

Sak’s Fifth Avenue
19.24 – 24.24%

Sak’s Fifth Avenue Card
APR:  24.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

27.24%

Late Fee:

Up to $35

Sign-up Offer
None

 

Rewards

  • Membership in SaksFirst rewards program
  • With program, earn 6 points/$1 spent at Sak’s Fifth Avenue
  • 2,500 points = $25 gift Card

 

 

Sak’s Fifth Avenue MasterCard
APR:  19.24 – 21.24%

Network:

MasterCard

Cash Adv. APR:

25.49%

Penalty APR:

30.24%

Late Fee:

Up to $35

Sign-up Offer
$25 Saks Gift Card when making first non-store purchase

 

Rewards

  • Membership in SaksFirst rewards program
  • With program, earn 6 points/$1 spent at Sak’s Fifth Avenue
  • 3 points/$1 on spa and salon purchases
  • 2 points/$1 on dining, gas and groceries
  • 1 point/$1 spent everywhere else
  • 2,500 points = $25 gift Card

 

Samuels Jewelers
25.24%

Samuels Diamond Elite Credit Card
APR:    25.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • Early event notices
  • Exclusive invitations to special events
  • Periodic savings offers

 

Sears Holdings
25.49%

Sears Card
APR:  25.49%

Network:

None

Cash Adv. APR:

27.40%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

  • 0% APR on qualifying purchases if paid in full within 6 months
  • $10 off first purchase (if discount offer is selected upon time of application)

 

 

Rewards
None

 

Sears MasterCard
APR:  25.49%

Network:

MasterCard

Cash Adv. APR:

27.4%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

  • 0% APR on qualifying purchases if paid in full within 6 months
  • $15 off first purchase (if discount offer is selected upon time of application)

 

Rewards
None

Signet Jewelers
17 – 29.24%

Jared Jewelers Credit Card
APR:    17 – 26.99%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • Diamond Finacing plan: No interest on minimum $1,000 purchase if paid in full within 12 months (20% down payment required)
  • Platinum financing plan: No interest on minimum $5,000 purchase if paid in full within 18 months (20% down payment required)

 

 

Kay Jewelers Credit Card
APR:    17 – 26.99%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • Special financing offer: 12 months no-interest if paid in full before year ends
  • Purchases $500 or more (20% down payment required)

 

 

Sterling Jewelers Credit Card
APR:    17 – 26.99%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • Special financing offers (6, 12, or 18 months no-interest)
  • Reduced interest rate plans, depending on current offers

 

 

Zales Jewelers Credit Card
APR:  29.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • 6 months special financing on $150 minimum purchase
  • 12 months special financing on $750 minimum purchase
  • 18 months special financing on $3,000 minimum purchase
  • 36 months special financing for $1,500 minimum purchase
  • $50 off a $200 or more purchase on your birthday
  • 10% off repair services
  • Free standard shipping

 

Staples
28.24%

Staples Personal Credit Card
APR:  28.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
None

 

Rewards

  • Earn up to 5% back in rewards, based on annual spending level
  • Free shipping on orders over $14.99 (excludes oversized items)
  • $2 back in rewards for every ink cartridge recycled

 

Target
23.15%

Target REDcard Debit Card
APR:  N/A

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

N/A

Sign-up Offer
None

 

Rewards

  • 5% off in stores and online
  • Free shipping
  • Get 30 extra days for returns

 

 

Target REDcard Credit Card
APR:  23.15%

Network:

MasterCard

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $38

Sign-up Offer
None

 

Rewards

  • 5% off in stores and online
  • Free shipping
  • Get 30 extra days for returns

 

 

Target REDcard Mastercard
APR:  23.15%

Network:

MasterCard

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $38

Sign-up Offer
None

 

Rewards

  • 5% off in stores and online
  • Free shipping
  • Get 30 extra days for returns

 

TJ Maxx
27.24%

TJX Rewards Credit Card
APR:  27.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $35

Sign-up Offer
10% off first online purchase

 

Rewards

  • 5 point/$1 spent T.J.Maxx, Marshalls, HomeGoods, Sierra Trading Post and tjmaxx.com
  • 1 point/$1 spent everywhere else
  • 1,000 points = $10 gift certificate

 

 

TJX Rewards Platinum Mastercard
APR:  27.24%

Network:

MasterCard

Cash Adv. APR:

29.99%

Penalty APR:

N/A

Late Fee:

Up to $35

Sign-up Offer
10% off first online purchase

 

Rewards

  • 5 point/$1 spent T.J.Maxx, Marshalls, HomeGoods, Sierra Trading Post and tjmaxx.com
  • 1 point/$1 spent everywhere else
  • 1,000 points = $10 gift certificate

 

Toys “R” Us
26.99%

Toys “R” Us Credit Card
APR:  26.99%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
Choose between 15% off or special financing (minimum purchase required)

 

Rewards

  • 2 points/$1 spent at Toys “R” Us & Babies “R” Us (exclusions apply)
  • 125 points = $5 in “R” Us Reward Dollars
  • Get 10% off in-store every Thursday when card is used

 

 

Toys “R” Us Mastercard
APR:  26.99%

Network:

MasterCard

Cash Adv. APR:

29.99%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
Choose between 15% off or special financing (minimum purchase required)

 

Rewards

  • 2 points/$1 spent at Toys “R” Us & Babies “R” Us (exclusions apply)
  • 1 point/$4 everywhere else MasterCard is accepted
  • 125 points = $5 in “R” Us Reward Dollars
  • Get 10% off in-store every Thursday when card is used

 

Tractor Supply Co.
26.24%

Tractor Supply Co. Personal Card
APR:  26.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
0% APR if paid in full within 6 or 12 months, depends on in-store offer (offer for in store card applications only)

 

Rewards

  • 13.99% for select purchases eligible for a 24- or 48-month major purchase plan

 

True Value Co.
14.24 – 26.24%

True Value Credit Card
APR:    26.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

  • $10 off first purchase

 

 

Rewards

  • 3% back on True Value purchases
  • 0% APR financing offer if paid in full within 6 months, minimum $299 purchase required

 

 

True Value Discover Card
APR:    14.24 – 25.24%

Network:

Discover

Cash Adv. APR:

26.24%

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer
$10 off next True Value purchase

 

Rewards

  • 3% back on purchases at True Value
  • 2% back on purchases gas and grocery stores
  • 1% back on purchases everywhere else
  • $5 True Value voucher annually on anniversary date

 

Walmart
17.15 – 23.15%

Walmart Credit Card
APR:  23.15%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $35

Sign-up Offer
Save 10% when you open an account ($250 mininum purchase required)

 

Rewards

  • Save 3% on walmart.com

 

 

Walmart Mastercard
APR:  17.15 – 23.15%

Network:

MasterCard

Cash Adv. APR:

20.15 – 26.15%

Penalty APR:

N/A

Late Fee:

Up to $35

Sign-up Offer
Save 10% when you open an account ($250 mininum purchase required)

 

Rewards

  • 3% back on Walmart purchases
  • 2% on Murphy US & Walmart Gas
  • 1% back on everything else
  • Save 3% on walmart.com

 

Williams – Sonoma
16.99 – 27.24%

Williams – Sonoma Visa Signature
APR:  16.99 – 23.99%

Network:

Visa

Cash Adv. APR:

25.99%

Penalty APR:

N/A

Late Fee:

Up to $38

Sign-up Offer

  • $20 rewards certificate in the mail after receiving new card
  • 20% off first card purchase

 

 

Rewards

  • 5% back/ $1 you spend at Williams-Sonoma
  • 2% back/ $1 you spend on dining
  • 1% back/ $1 spent everywhere else
  • $25 in rewards = $25 reward certificate
  • Receive a $25 certificate during your birthday month
  • Free standard shipping

 

 

Williams – Sonoma Credit Card
APR:  27.24%

Network:

None

Cash Adv. APR:

N/A

Penalty APR:

N/A

Late Fee:

Up to $37

Sign-up Offer

  • $20 rewards certificate in the mail after receiving new card
  • 20% off first card purchase

 

 

Rewards

  • 5% back/ $1 you spend at Williams-Sonoma
  • 2% back/ $1 you spend on dining
  • 1% back/ $1 spent everywhere else
  • $25 in rewards = $25 reward certificate
  • Receive a $25 certificate during your birthday month
  • Free standard shipping

 

 

See related:2016 retail card survey: APRs climbing, sign-up deals fading

What’s up next?

In Research and Statistics

Survey: Average card APR remains at 15.18 percent for second week

October 19, 2016: The average APR on new credit card offers remained at 15.18 percent Wednesday for a second week, according to the CreditCards.com Weekly Credit Card Rate Report.

Published: October 19, 2016

See more stories
Credit Card Rate Report Updated: July 17th, 2019
Business
15.61%
Airline
17.59%
Cash Back
17.68%
Reward
17.58%
Student
17.79%

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