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.
Sears MasterCard
Last reviewed: January 20, 2021
The Sears Shop your Way MasterCard offers an exceptionally high 5-percent rewards rate on your gas purchases, making it one of the most rewarding gas cards — if you don’t mind spending your rewards at Sears or Kmart. This offer is no longer available on our site.
Amazon Rewards Visa Signature card
Last reviewed: May 20, 2021
For cardholders who don’t want to pay the fee for an Amazon Prime membership, the regular Amazon Rewards Visa card offers one of the highest rewards rates on Amazon.com purchases as well as a pretty good rewards rate on gas, restaurant and drugstore purchases.
* All information about the Amazon Rewards Visa Signature card has been collected independently by CreditCards.com and has not been reviewed by the issuer. This card is not currently available through CreditCards.com.
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Bed Bath & Beyond Mastercard
Last reviewed: May 10, 2021
The Bed Bath & Beyond Mastercard stands out in the retail card category for its strong rewards, fair sign-up offers and decent APR.
AT&T Access Card from Citi
Last reviewed: December 29, 2022
The AT&T Access Card from Citi is an easy way for current AT&T customers to earn points on their monthly phone, cable and internet payments. For others, it won’t be nearly as useful.
PlayStation Card from Capital One
Last reviewed: April 17, 2024
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.
Cabela's CLUB Mastercard credit card
Last reviewed: November 15, 2023
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 Outdoor Rewards loyalty program instead.
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BJ's Perks Elite MasterCard
Last reviewed: September 13, 2022
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.
REI Co-op World Elite Mastercard
Last reviewed: November 15, 2023
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.
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Lowe's Advantage Credit Card
Last reviewed: August 17, 2020
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.
Costco Anywhere Visa® Card by Citi
Last reviewed: March 1, 2024
The Costco Anywhere Visa excels as a card for Costco and gas purchases, though you’ll have to contend with an annual membership fee for Costco and only redeeming your cash back once a year.
Meijer Platinum MasterCard
Last reviewed: April 30, 2020
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.
Nordstrom Visa Signature card
Last reviewed: November 19, 2021
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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