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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BJ's Perks Elite MasterCard review

BJ's Perks Elite MasterCard

2.3 rating

The BJ’s Perks Elite MasterCard gives current BJ’s members a chance to save big on everyday purchases, but others who don’t already frequent BJ’s or a similar warehouse club should factor in the $100 cost of club membership when deciding whether or not the card is worth it.

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Ace Rewards Visa Signature card review

Ace Rewards Visa Signature card

2.3 rating

Notwithstanding handsome rewards at Ace Hardware stores, occasional Ace shoppers are likely to take a pass on the Ace Rewards Visa Signature card due to its lack of a sign-up bonus and less-than-impressive earnings rate in other categories. This offer is no longer available.

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Lowe's Consumer credit card review

Lowe's Consumer credit card

2.3 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.

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PlayStation Card from Capital One review

PlayStation Card from Capital One

2.2 rating

Despite meager rewards on outside purchases, gamers and techies can definitely fuel their hobbies with the Sony PlayStation credit card. This offer is no longer available on this site.

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Cabela's CLUB Visa credit card review

Cabela's CLUB Visa credit card

2.1 rating

Though longtime Cabela’s fans might be persuaded to sign up for the store’s branded credit card, they’re probably better served in sticking with its free CLUB Rewards loyalty program instead.

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Meijer Platinum MasterCard review

Meijer Platinum MasterCard

2.1 rating

The Meijer Platinum MasterCard offers considerable savings on supermarket and gas purchases, but anyone who lives outside of the chain’s six-state territory is better served with a general rewards or cash back card.

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Nordstrom Visa Signature card review

Nordstrom Visa Signature card

2 rating

Devoted Nordstrom fans will relish the opportunity to potentially save big bucks with the Nordstrom Visa Signature card, but occasional visitors to the luxury department store should take note of the card’s low overall rewards and mediocre sign-up bonus before applying.

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Barclays Visa with Apple Rewards review

Barclays Visa with Apple Rewards

2 rating

Apple fanatics can finance high-cost purchases using the Barclays 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.

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Target Redcard review

Target Redcard

2 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. This offer is no longer available on our site.

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My Best Buy Visa card from Citi review

My Best Buy Visa card from Citi

1.8 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.

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Victoria's Secret Angel credit card review

Victoria's Secret Angel credit card

1.7 rating

The Victoria’s Secret Angel credit card is must-have plastic for die-hard fans of the lingerie retailer, but those who rarely patronize the pink-hued stores should steer clear.

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TJX Rewards Platinum Mastercard review

TJX Rewards Platinum Mastercard

1.6 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.

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