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

Kohl's Charge credit card review

Kohl's Charge credit card

1.9 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


Lowe's Consumer credit card review

Lowe's Consumer credit card

1.9 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


Menards BIG credit card review

Menards BIG credit card

1.8 rating

Despite the retailer’s catchy jingle, even the biggest home improvement enthusiasts are unlikely to save big money with the Menards BIG credit card.

Read full review


Costco Anywhere Visa Card by Citi review

Costco Anywhere Visa Card by Citi

4.3 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


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.

Read full review


JCPenney credit card review

JCPenney credit card

1.3 rating

With paltry rewards and a high APR, the JCPenney card is a poor choice for most cardholders, save for dedicated fans of the store who may appreciate the card’s special savings opportunities.

Read full review