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.

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Walmart Mastercard review

Walmart Mastercard

3.4 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.

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Amazon Prime Rewards Visa Signature card review

Amazon Prime Rewards Visa Signature card

3.4 rating

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 review

Sam's Club Mastercard

3 rating

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 review

Chase Amazon.com Rewards Visa card

3 rating

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 review

American Eagle Outfitters Connected Visa credit card

2.9 rating

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.

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Sears MasterCard review

Sears MasterCard

2.9 rating

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.

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Macy's American Express card review

Macy's American Express card

2.8 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.

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Bed Bath & Beyond Mastercard review

Bed Bath & Beyond Mastercard

2.6 rating

The Bed Bath & Beyond Mastercard stands out in the retail card category for its strong rewards, numerous sign-up offers and decent APR.

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Costco Anywhere Visa Card by Citi review

Costco Anywhere Visa Card by Citi

2.5 rating

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.

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AT&T Access Card from Citi review

AT&T Access Card from Citi

2.4 rating

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.

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mymaurices VIP credit card review

mymaurices VIP credit card

2.3 rating

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.

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REI Co-op Mastercard review

REI Co-op Mastercard

2.3 rating

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.

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