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.
AT&T Access Card from Citi
Last reviewed: March 9, 2021
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.
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.
Cabela's CLUB Mastercard credit card
Last reviewed: June 1, 2021
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.
REI Co-op World Elite Mastercard
Last reviewed: January 20, 2021
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.
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.
BJ's Perks Elite MasterCard
Last reviewed: May 8, 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.
Costco Anywhere Visa® Card by Citi
Last reviewed: September 7, 2021
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.
Nordstrom Visa Signature card
Last reviewed: January 6, 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.
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.
Last reviewed: September 2, 2021
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.
Starbucks Rewards Visa card
Last reviewed: July 2, 2021
You would have to drink a spectacular number of Frappuccinos to justify the $49 annual fee that kicks in on the Starbucks Rewards Visa card after your first year.