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 content on this page is accurate as of the posting date; however, some of our partner offers may have expired. 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.
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
$15 credit and 1,000 bonus points after 1st purchase
Rewards
- 2,500 points = $25 gift card
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
None
Rewards
- $1= 2 points
- 2,000 points = $20 rewards Card
- 0% APR for Military Clothing Plan purchases
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
None
Rewards
- 10% off purchases
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
None
Rewards
- 5% off purchases
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
- 10% off first purchase when opened in store
- 15% discount when your card arrives in the mail
Rewards
None
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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)
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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)
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
None
Rewards
- 5% off store purchases
- Access to 6 months of Special Project Financing (36-, 60- or 84-month fixed offers)
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
$10 off first purchase
Rewards
- $750 spent = $10 reward certificate
- Save 10 cents per gallon at Meijer Gas Stations
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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)
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
None
Rewards
- Early event notices
- Exclusive invitations to special events
- Periodic savings offers
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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)
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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)
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
None
Rewards
- Special financing offers (6, 12, or 18 months no-interest)
- Reduced interest rate plans, depending on current offers
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
None
Rewards
- 5% off in stores and online
- Free shipping
- Get 30 extra days for returns
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
None
Rewards
- 5% off in stores and online
- Free shipping
- Get 30 extra days for returns
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
None
Rewards
- 5% off in stores and online
- Free shipping
- Get 30 extra days for returns
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
Sign-up Offer
Save 10% when you open an account ($250 mininum purchase required)
Rewards
- Save 3% on walmart.com
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
Network:
Cash Adv. APR:
Penalty APR:
Late Fee:
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
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