Retail Credit Cards - Reviews
For many retailers, a store-branded credit card is a great way to lure in repeat shoppers as well as ensnare customers in a load of debt due to high interest rates and the temptation to spend more than they can afford.
But retail cards aren't all bad. When used responsibly, they can be a good introduction to credit for consumers with a limited credit history. And there are a few stand-outs in this category that offer great rewards programs that allow you to earn a large amount of cash back on your regular spending.
We've reviewed the most popular store cards, looking at their rewards programs, special financing deals, APRs and other perks, as well as their potential pitfalls.
Walmart Mastercard
Last reviewed: October 30, 2018
Bargain shoppers who spend a lot on Walmart.com could potentially earn a sizable amount of cash back with the Walmart Mastercard, but its limited rewards categories might be a deal breaker for those who aren’t already devoted to the big-box store.
Amazon Prime Rewards Visa Signature card
Last reviewed: October 26, 2018
The Amazon Prime Rewards Visa Signature card offers a great 5 percent rate on Amazon purchases, but Prime membership requires a high $119 fee, and Amazon points lack versatility.
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Sam's Club Mastercard
Last reviewed: October 30, 2018
With the exception of ample cash back at Sam’s Club gas stations, the Sam’s Club Mastercard is best reserved for making travel and dining purchases outside the warehouse club.
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Chase Amazon.com Rewards Visa card
Last reviewed: October 26, 2018
For cardholders who don’t want to pay the fee for an Amazon Prime membership, the regular Amazon Rewards Visa card offers one of the highest rewards rates on Amazon.com purchases as well as a pretty good rewards rate on gas, restaurant and drugstore purchases.
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American Eagle Outfitters Connected Visa credit card
Last reviewed: October 30, 2018
Fans of American Eagle Outfitters and Aerie will love the opportunity to accelerate their rewards by using the Connected Visa credit card anywhere Visa is accepted.
Sears MasterCard
Last reviewed: November 1, 2018
The Sears Shop your Way MasterCard offers an exceptionally high 5-percent rewards rate on your gas purchases, making it one of the most rewarding gas cards — if you don’t mind spending your rewards at Sears or Kmart. This offer is no longer available on our site.
Macy's American Express card
Last reviewed: October 25, 2018
Savvy shoppers who never miss a Macy’s One-Day Sale have the potential to win big with the department store’s co-branded American Express card, but an unsurprisingly high APR means less disciplined cardholders could find themselves in trouble when carrying a balance from month to month.
Bed Bath & Beyond Mastercard
Last reviewed: November 21, 2018
The Bed Bath & Beyond Mastercard stands out in the retail card category for its strong rewards, numerous sign-up offers and decent APR.
Costco Anywhere Visa Card by Citi
Last reviewed: November 28, 2018
The Costco Anywhere Visa excels as a card for Costco and gas back purchases, though you’ll have to contend with an annual membership fee for Costco and only redeeming your cash back once a year.
AT&T Access Card from Citi
Last reviewed: November 27, 2018
The AT&T Access Card from Citi is an easy way for current AT&T customers to earn points on their monthly phone, cable and internet payments. For others, it won’t be nearly as useful.
mymaurices VIP credit card
Last reviewed: October 26, 2018
Frequent Maurices shoppers could save a considerable amount of money with the mymaurices VIP credit card, but its exceptionally high APR means those who don’t usually pay their balances in full every month should stay far, far away.
REI Co-op Mastercard
Last reviewed: November 15, 2018
Outdoors enthusiasts are sure to love the REI Co-op Mastercard, which offers great rewards on REI purchases and an attractive sign-up offer for new cardholders.