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.
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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Starbucks Rewards Visa card
Last reviewed: July 2, 2025
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.
Target REDcard™
Last reviewed: April 7, 2025
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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Rakuten Cash Back Visa Credit Card
Last reviewed: July 2, 2025
Stacking the Rakuten Cash Back Visa with Rakuten’s cash back offers could get you double-digit cash back when you shop online, but the card is far from the only way for Rakuten users to score big savings.
mymaurices VIP credit card
Last reviewed: September 11, 2020
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.
Victoria's Secret Angel credit card
Last reviewed: October 8, 2020
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.
TJX Rewards Platinum Mastercard
Last reviewed: April 7, 2025
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.
Wayfair Credit Card
Last reviewed: May 28, 2025
Though it offers a decent rewards rate, the Wayfair Mastercard carries a sky-high APR and no noteworthy perks or discounts, and is best avoided for all but the most frequent Wayfair shoppers.
IKEA® Visa® Credit Card
Last reviewed: May 28, 2025
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.
Gap Visa card
Last reviewed: December 29, 2022
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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Kohl's Card
Last reviewed: April 7, 2025
Despite a paltry points system, regular Kohl’s customers can still save a considerable amount of money with the Kohl’s Card – but a steep APR puts cardholders at risk of having interest charges eat into their rewards and discounts.
Menards BIG credit card
Last reviewed: November 15, 2023
Despite the retailer’s catchy jingle, even the biggest home improvement enthusiasts are unlikely to save big money with the Menards BIG credit card.