Best Department Store Credit Cards of 2020

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Last updated on August 4th, 2022

Closed-loop store cards aren’t always your best option when making purchases at retailers. That’s not to say, however, that there aren’t plenty of great retail credit cards from major brands. Here are six of our favorite department store credit cards:

The Best Department Store Credit Cards of 2020

Here are some of our favorite retail store credit card offers for 2020:

Capital One® Walmart Rewards™ Card

There are few department store credit cards as useful as the Walmart Rewards Card from Capital One. Its versatility is in many ways due to that of the Walmart brand itself. Walmart Superstores offer almost anything a shopper could want – from hunting accessories to groceries, to clothing, and more.

The Capital One Walmart Rewards Card maximizes this versatility by offering impressive cash back at the retailer. Cardholders earn 5% back on purchases at (including grocery pickup and delivery) and 2% back in-store. Plus, Murphy USA or Walmart Fuel Stations also earn 2% back. Customers earn 1% back on purchases everywhere else. Cash back is unlimited and never expires.

Other card features include no annual fee, no foreign transaction fees, and the usual Mastercard protections and benefits.

Macy’s American Express® Card

Macy’s is one of the country’s most popular department stores. The Macy’s American Express® Card makes saving (in-store or online) a breeze. The card offers automatic Silver Status in the Macy’s Star Rewards Program. Silver tier provides 25% off all purchases with Star Pass at Macy’s, plus the ability to choose which day Star Passes apply to.

The Macy’s Card also provides value outside Macy’s – value that can then be turned into savings at the retailer. The card earns 3% back on dining and 2% back at grocery stores and gas stations. Every other purchase earns 1% back – with no limit to the number of cash back rewards a cardholder can earn.

Other features include:

  • No annual fee
  • An annual birthday surprises
  • Free shipping with no purchase minimums

TJX Rewards® Platinum Mastercard®

The TJX Rewards® Platinum Mastercard® provides plenty of value for holders – and not just at T.J. Maxx. The card earns rewards on purchases at all brands under the TJX umbrella. These brands include:

  • T.J. Maxx
  • Marshalls
  • HomeGoods
  • Sierra
  • Homesense

The TJX Rewards Card is much more straightforward in its rewards earning than some of the other cards on this list. The card earns 5% back on purchases at TJX brands, and that’s it. There are no tiered earnings categories nor savings at external merchants.

While the lack of savings on purchases outside of T.J. Maxx, Marshalls, HomeGoods, etc. may seem like a letdown, the no annual fee and 10% savings on the first purchase are more than enough to justify fans of those brands applying for the card.

Gap Visa® Card

The Gap family of brands are perennial favorites for apparel shopping. The Gap Visa Card makes saving with those brands a snap, thanks to 5X points earned at Gap Inc. brands and 1X points per dollar earned on all other purchases. The Gap family of companies includes leading names in fashion, such as Old Navy, Banana Republic, and Athleta, making the Gap Card a valuable tool no matter your budget or style preference.

Other card features include:

  • No annual fee
  • 10% off purchases at Gap when using the card
  • Visa credit card protections and benefits

Honorable Mentions

Want some more department store credit card options to consider? Here are two cards that just missed out on our top spots:

Bloomingdale’s American Express® Card at the Top of the List

Bloomingdale’s American Express® Card at the Top of the List

The Bloomingdale’s American Express® Card at the Top of the List allows cardholders to enjoy the highest rewards. Namely, 8X points for shoes, cosmetics, and fragrance purchases and 4X points per dollar spent on everything else. This card cannot be applied for directly, and is an automatic upgrade given to current Bloomingdale’s American Express® Card owners once they spend $3,500 per calendar year.

citi shop your way credit card

Shop Your Way Mastercard®

The Shop Your Way Mastercard® is a co-branded retail card that was designed to maximize savings earned through the Shop Your Way® rewards program. It offers rewards on everyday purchases throughout the year, from gas and groceries to purchases at Sears and Kmart. If you’re already a Shop Your Way member or plan to become one, this card could take your rewards to the next level – if you know how to use it.

Featured photo by MichaelGaida / Pixabay

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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