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.
Cabela's CLUB Mastercard credit card
Last reviewed: January 8, 2020
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.
REI Co-op World Elite Mastercard
Last reviewed: November 12, 2019
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.
BJ's Perks Elite MasterCard
Last reviewed: January 7, 2020
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.
Ace Rewards Visa Signature card
Last reviewed: December 3, 2019
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.
Barclaycard Financing Visa
Last reviewed: November 12, 2019
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. This offer is no longer available.
Lowe's Advantage Credit Card
Last reviewed: November 14, 2019
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.
Nordstrom Visa Signature card
Last reviewed: January 11, 2020
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.
Meijer Platinum MasterCard
Last reviewed: May 20, 2019
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.
My Best Buy Visa card from Citi
Last reviewed: December 12, 2019
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.
Starbucks Rewards Visa card
Last reviewed: September 25, 2019
You would have to drink a spectacular number of Frappuccinos to justify the $49 annual fee on the Starbucks Rewards Visa card.
Last reviewed: January 2, 2020
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.
Rakuten Cash Back Visa Credit Card
Last reviewed: January 22, 2020
Stacking the Rakuten Cash Back Visa with Rakuten’s cash back offers could get you double-digit cash back when you shop online, but the card is far from the only way for Rakuten users to score big savings.