Retail Rewards Credit Cards

Shopping: America's favorite pastime. It's hard to imagine making your next shopping spree more rewarding, but you can! The Retail Rewards cards below offer rewards earning potential on your everyday purchases. In many cases, rewards can be redeemed for gift cards to your favorite store, statement credits, or travel towards the shopping pilgrimage to the Mall of America you have been dreaming of. No matter your redemption choice, the partner cards below will help take your shopping game to the next level.

See offers from our partners below.

Chase Freedom Unlimited®

8,917 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Apply Now at Chase's
secure site
Purchases Intro APR
0% Intro APR on Purchases for 15 months
Balance Transfers Intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
16.24% - 24.99% Variable
Annual Fee
$0
Credit Needed
Excellent/Good

Blue Cash Everyday® Card from American Express

Apply Now Credit Needed
Excellent, Good
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
14.24%-25.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
See Rates & Fees

Discover it® Cashback Match™

Discover it® Cashback Match™

25,774 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
13.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Blue Cash Preferred® Card from American Express

Apply Now Credit Needed
Excellent,Good
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 12 months
Balance Transfers Intro APR
0% on Balance Transfers for 12 months
Regular APR
14.24%-25.24% Variable
Annual Fee
$95
Credit Needed
Excellent,Good
See Rates & Fees

Costco Anywhere Visa® Card by Citi

Apply Now Credit Needed
Excellent Credit
  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per 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
Apply Now at Citi's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.49%* (Variable)
Annual Fee
$0
Credit Needed
Excellent Credit

Citi ThankYou® Preferred Card

Apply Now Credit Needed
Excellent Credit
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer*
  • After that, the variable APR will be 14.74% - 24.74% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com.
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Apply Now at Citi's
secure site
Purchases Intro APR
0%* for 15 months on Purchases
Balance Transfers Intro APR
0%* for 15 months on Balance Transfers
Regular APR
14.74% - 24.74%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent Credit

The Amex EveryDay® Credit Card from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on purchases for 15 months
Balance Transfers Intro APR
0% on balance transfers for 15 months
Regular APR
14.24%-25.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Citi® Double Cash Card

Apply Now Credit Needed
Excellent/Good
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Apply Now at Citi's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 18 months*
Regular APR
14.74% - 24.74%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent/Good

Target REDcard™

Apply Now Credit Needed
Good/Excellent
  • Charge your Target and Target.com purchases
  • Save 5%* every day at Target and Target.com
  • Free Shipping* on most items at Target.com and Extended Return Policy*
  • REDcard online account management
  • Stackable with Cartwheel and other discounts
  • Subject to application approval
  • Target also offers a Target Debit card which also qualifies for 5% off* every day at Target and Target.com, Free shipping* on most items at Target.com, Extended Return Policy* and up to $40 cash withdrawal at checkout
  • *Some restrictions apply. See program rules at Target.com/REDcard for details.
Apply Now at Target's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
23.15% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent

Discover it® chrome

Discover it® chrome

993 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
13.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Compare Retail Rewards Credit Card Offers

Updated: February 20, 2018

CreditCards.com's Best Retail Rewards Credit Cards of 2018:

  • Chase Freedom Unlimited®
  • Blue Cash Everyday® Card from American Express
  • Discover it® Cashback Match™
  • Blue Cash Preferred® from American Express
  • Citi ThankYou® Preferred Card
  • The Amex EveryDay® Credit Card from American Express
  • Citi® Double Cash Card
  • Target REDcard™
  • Discover it® chrome
  • NASCAR® Credit Card from Credit One Bank®

What Our Experts are Saying

Stefanie O'Connell, millennial money expert
Favorite retail card: Amazon Prime Rewards Visa Signature card
“As a big city dweller, the Amazon Prime Rewards Visa Signature is the clear winner for me. Prime delivery is a major convenience, as opposed to big box purchases that require a car to transport and space to store, neither of which is practical in many major cities.”

Rebecca Lake, personal finance writer
Favorite retail card: Amazon Prime Rewards Visa Signature card
“The Amazon Prime Rewards Visa Signature card combines a generous rewards rate on Amazon.com purchases with the ability to earn a competitive rewards rate on everyday spending.”

Michelle Schroeder-Gardner, personal finance blogger
Favorite retail card: Sam's Club Mastercard
“The Sam’s Club Mastercard wins my vote in this round. With a $0 annual fee (and the lowest membership fee required out of the three), along with 5 percent cash back on gas, 3 percent cash back on dining and travel and 1 percent on everything else, this credit card easily wins in my book!”

Matt Schulz, senior industry analyst at CreditCards.com
Favorite retail card: Costco Anywhere Visa card
“The Costco card not only gives members discounts when they buy from Costco, but it also gives really good cash back returns in other places. Four percent back on gas and 3 percent on travel and dining makes this card really competitive with other cards out there and gives it the slightest edge over the Amazon card.”

Julie Sherrier, senior managing editor at CreditCards.com
Favorite retail card: Amazon Prime Rewards Visa Signature card
“Two things make the Amazon Prime Rewards Visa Signature stand out from its competitors: rewards that can be redeemed immediately on Amazon.com and there are no limits on how much cash back you can earn. Plus you can redeem points for gift cards and travel.”

Full Details on Retail Rewards Credit Cards

If you’re a bargain hunter who regularly shops at wholesale warehouses and discount retailers, a high-earning retail credit card could help you buy more with less and turbocharge your savings on everything from gas purchases to home supplies.

The best retail credit cards help you shave costs by offering a substantial amount of cash back on everyday purchases. Some retail credit cards also let you cash in your earnings on gift cards or free travel. Just be sure to check the card’s APR before you apply. Store cards often feature some of the highest APRs in the industry – especially if you pick a card that isn’t co-branded with a card network such as Visa or Mastercard. Here, we talk about:

  • Co-branded retail cards vs. general-purpose cashback cards
  • What is the average balance on a retail card?
  • Do store credit cards help build credit?
  • Is a co-branded retail card worth it?
  • Pros and cons of retail rewards credit cards
  • Closed loop vs. open loop cards

Learn about the pros and cons of retail cards, building credit with them and more:

Co-branded retail cards vs. general-purpose cashback cards

Co-Branded Retail CardsGeneral-Purpose Cashback Cards
Accepted at locations that are in networkAccepted at locations that are in network
Rich rewards for brand loyalty, occasionally other rewardsRewards for wide variety of shopping
Typically no annual feeOften no annual fee
Fair credit may be acceptedGood, excellent credit may be required
Good for one-stop shoppingFor one-time purchases, look at 5% categories

What is the average balance on a retail card?

Average ConsumerAmount
Retail credit card balance$1,841
Number of retail cards2.5
Credit card balance$6,354
Number of credit cards3.1
Mortgage balance$201,811
Other non-mortgage debt$24,706
VantageScore675

Source: Experian, State of Credit

Do store credit cards help build credit?

Whether you opt for a co-branded retail credit card or a general-purpose cashback card, you can build your credit every time you pay on time. Add to that, by paying in full each month, you improve your credit score that much more, because paying in full and on time make up 65% of your credit. Also, by paying in full, you avoid paying interest. If you have a $1,000 balance, and you pay the minimum amount required each month with a 25% interest rate, it will take you 78 months to pay it off, and it will cost you $982.96 in interest alone. You’re basically doubling how much you would pay than if you paid in full each month. Add to that, the more you keep on your balance compared to your available credit, the worse it is for your credit score, due to what is called the credit utilization ratio. Check with the card issuer to make sure your good credit habits will be sent to the 3 major credit bureaus – TransUnion, Experian and Equifax.

Is a co-branded retail card worth it?

  • Are you loyal to one brand? If you like the idea of freedom to get rewarded by shopping more than one brand, a co-branded retail card may not be a good choice. Retail cards typically reward for brand loyalty, but they may not reward for general purchases. Instead, a general-purpose cashback card might be best.
  • Do you plan to carry a balance? With APRs averaging 25%, retail cards may not be the best choice if you don’t plan to pay in full each month. That’s because interest charges can add up quickly.
  • Do you have less than amazing credit? A retail card might be a good decision if your credit isn’t its best. But with good or excellent credit, you are more likely to qualify for a cashback card, which will sometimes have a rewarding sign-up bonus and ongoing rewards for a variety of types of shopping.
  • Are you a one-stop shopper? If you like the convenience of shopping at one store, a co-branded retail card can be right for you. However, if you like to hunt for bargains, consider a cashback card.

Pros and cons of retail rewards credit cards

Pros:

  • Can build credit
  • Rewards for brand loyalty
  • Accepted at locations that are in network
  • May accept lower credit score
  • Good for one-stop shopper
  • Might have special financing deals

Cons:

  • Typically higher interest rate
  • Sign-up deals typically limited to first day's purchase
  • May not be available through a major mobile network
  • Often lower credit limit
  • Not ideal for the bargain hunter
  • Could rack up interest quickly

Closed loop vs. open loop cards

Closed Loop CardsOpen Loop Cards
Does not have Visa or Mastercard logoUsually has Visa or Mastercard's logo
Accepted only at certain locationsAccepted at locations that are in Visa or Mastercard's network
Can be a gift, prepaid, debit cardCan be a gift, prepaid, debit card
Credit cards issued and processed by same companyCredit cards issued and processed by different entities
Can be a store-brand cardCan be co-branded card (partnered with network)

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* For additional rates, fees and costs see issuer's website for detailed pricing and terms.