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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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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IKEA® Visa® Credit Card review

IKEA® Visa® Credit Card

1.5 rating

You’ll earn rewards at a nice clip with the IKEA Visa Credit Card, but since you can only redeem Rewards Certificates at IKEA, the card will be of little use to anyone but the store’s most loyal shoppers.

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Gap Visa card review

Gap Visa card

1.4 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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Old Navy Visa card review

Old Navy Visa card

1.3 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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Menards BIG credit card review

Menards BIG credit card

1.3 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.

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Kohl's Charge credit card review

Kohl's Charge credit card

1.3 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.

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JCPenney credit card review

JCPenney credit card

1 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.

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Wayfair Credit Card review

Wayfair Credit Card

0.9 rating

Offering an unimpressive rewards rate, sky-high APR and no noteworthy perks or discounts, the Wayfair Credit Card is best avoided for all but the most frequent Wayfair shoppers.

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