Reviews Retail
Retail card reviews

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.

Learn more about our ratings process

Walmart Mastercard review

Walmart Mastercard

3.3 rating

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.

Read full review


Costco Anywhere Visa Card by Citi review

Costco Anywhere Visa Card by Citi

4.1 rating

The value of the Costco card extends beyond Costco purchases, including a generous amount of cash back on gas, travel and restaurant purchases and some great purchase benefits, though you’re limited to redeeming your cash back once a year.

Read full review


Barclaycard Visa with Apple Rewards review

Barclaycard Visa with Apple Rewards

3.2 rating

Apple fanatics can finance high-cost purchases using the Barclaycard Visa, but a high APR for some cardholders means they should also be vigilant about paying balances in full before the promotional period runs out.

Read full review


My Best Buy Visa card from Citi review

My Best Buy Visa card from Citi

3.2 rating

The My Best Buy Visa credit card makes sense for fans of the latest and greatest electronics, but casual shoppers and techies alike should beware of the card’s high interest rate, which could negate their rewards and benefits.

Read full review


Macy's American Express card review

Macy's American Express card

3 rating

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.

Read full review


Target Redcard review

Target Redcard

2.9 rating

The Target Redcard is a no-brainer for loyal customers of the discount retailer, but its typically high APR means cardholders who don’t pay their monthly balance in full might end up negating the store card’s savings and other benefits.

Read full review


Sears Mastercard with Shop Your Way review

Sears Mastercard with Shop Your Way

3.3 rating

Cardholders on the search for a retail card with a great gas bonus may appreciate the 5 percent rate that the Sears Shop Your Way MasterCard offers on gas purchases for the first 12 months, though the regular rewards rate is less than spectacular and the APR is very high.

Read full review


Chase Amazon.com Rewards Visa card review

Chase Amazon.com Rewards Visa card

4.2 rating

The Amazon.com Rewards Visa card is one of the top cards in our retail card category, offering a double rewards rate on restaurant, gas and Amazon.com purchases without requiring an annual Amazon membership fee.

Read full review


Amazon Prime Rewards Visa Signature card review

Amazon Prime Rewards Visa Signature card

3.5 rating

For Amazon Prime members, the chance to earn 5 percent cash back on Amazon purchases and seamlessly redeem those rewards at checkout seems like a good bet, though others will have to figure in the $99 price of Amazon Prime membership when comparing the card against other retail cards.

Read full review


Lowe's Consumer credit card review

Lowe's Consumer credit card

2.2 rating

Frequent Lowe’s shoppers will love the card’s automatic discount and special financing offers, but those who rarely visit the home improvement store would be far better served by a general-purpose rewards card with a much lower APR.

Read full review


Kohl's Charge credit card review

Kohl's Charge credit card

2.1 rating

Despite a paltry points system, regular Kohl’s customers can still save a considerable amount of money with the Kohl’s Charge card – but a steep APR puts cardholders at risk of having interest charges eat into their rewards and discounts.

Read full review


TJX Rewards Platinum MasterCard review

TJX Rewards Platinum MasterCard

1.5 rating

If discount department stores are your happy place and you love the idea of uncomplicated rewards and automatic redemption, the TJX Rewards Platinum MasterCard could be a good choice – but the card’s high APR and low overall rewards rate could be a reason to pass on it.

Read full review