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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Cabela's CLUB Visa credit card review

Cabela's CLUB Visa credit card

2.9 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

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

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Chase Amazon.com Rewards Visa card review

Chase Amazon.com Rewards Visa card

4.3 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 and gas purchases and a triple rewards rate on Amazon.com purchases without requiring an annual Amazon membership fee.

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Starbucks Rewards Visa card review

Starbucks Rewards Visa card

2.6 rating

You would have to drink a spectacular number of Frappuccinos to justify the $49 annual fee on the Starbucks Rewards Visa card.

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Amazon Prime Rewards Visa Signature card review

Amazon Prime Rewards Visa Signature card

4.3 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 $119 price of Amazon Prime membership when comparing the card against other retail cards.

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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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Gap Visa card review

Gap Visa card

2.3 rating

Designed for devoted fans of Gap Inc. brand stores, the Gap Visa card bestows cardholders with 5 percent rewards and special savings opportunities at Old Navy, Banana Republic, Athleta and Gap — but, unfortunately, not much else.

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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.

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My Best Buy Visa card from Citi review

My Best Buy Visa card from Citi

2.3 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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Old Navy Visa card review

Old Navy Visa card

2 rating

Fans of value-priced yet stylish clothes have the most to gain from the Old Navy Visa card, but the card’s paltry rewards on purchases outside of Gap Inc. stores leave much to be desired.

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TJX Rewards Platinum Mastercard review

TJX Rewards Platinum Mastercard

2 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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