The Best Department Store Credit Cards

Advertiser Disclosure Editorial Disclosure

Last updated on May 19th, 2023

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 Credit Cards to Use at Department Stores

Here are some of our favorite department store credit card offers:

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

us bank shopper cash rewards credit card
Earn 6% Back w/ 24 Brands
  • 3% back on one everyday category
  • 1.5% back on all other purchases
  • $95 annual fee
☆ 24/7 Online Account Access
☆ Pay Over Time
☆ Earn 5.5% Back on Prepaid Travel

The list of great department store credit cards must start with the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card. U.S. Bank’s latest retail credit card, the Shopper Cash Rewards prioritizes rewards with merchants instead of relying on bonus categories like gas, travel, or dining.

As a cardholder, you’ll earn up to 6% cash back with 24 leading brands, 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and E.V. charging stations, bills and utilities), and 1.5% back on all other purchases. It’s that 6% category that is most intriguing for department store lovers, as you can see below:

Ace Hardware Home Depot QVC Ikea Restoration Hardware
Anthropologie Kohl’s Target
Apple Lowe’s Walmart
Bed, Bath, & Beyond Lululemon
Best Buy Macy’s Williams Sonoma Menards Pottery Barn
Crate & Barrel Nordstrom Disney

Remember that the Shopper Cash Rewards charges an annual fee of $95. While that price point is fair -given the huge rewards the card provides – it may deter some applicants.

Simon® American Express® Credit Card

Simon Malls American Express 224x141
Shop More & Earn More
  • Earn 5% at participating merchants
  • Earn 3% with retailers at any Simon Mall
  • 1.5% on Simon gift cards and mobile wallets
☆ 24/7 Online Account Access
☆ Amex Offers Access
☆ No Annual Fee


The Simon® American Express® credit card is another great department store credit card. Issued by digital-first fintech Cardless, the Simon Amex is a co-branded card with Simon Property Group that provides its best mall rewards. As a cardholder, you’ll earn 5% at participating merchants, including:

Aeropostale Brooks Brothers Eddie Bauer Forever 21
Reebok JC Penney Nautica Lucky Brand

You’ll also earn 3% back on in-store purchases at other retailers found at Simon Mall and 1.5% back on mobile wallet purchases, like Apple Pay, Google Pay, and others. For anyone who prefers to shop in person, the card is a no-brainer, especially if you want to visit the mall.

Capital One® Walmart Rewards™ Card

Earn Unlimited 5% Back in Walmart Stores for the First 12 Months
  • Unlimited 5% back at , 2% back at Walmart & and Murphy USA Fuel Stations
☆ 2% back on travel and dining
☆ 1% back on all other purchases
☆ No Annual Fee

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.

Costco Anywhere Visa® Card by Citi

costco consumer card 224x141
Earn up to 4% Cash Back
  • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
☆ 3% back on dining & travel
☆ 2% back at Costco; 1% elsewhere
☆ No Annual Fee

While not entirely a department store, Costco is a one-stop shop where you can find many of the clothing, health, and homecare items found at the biggest department stores – at much better prices. The  Costco Anywhere Visa® Card is a great way to get everything you want at Costco while earning valuable cash back rewards.

The card earns 2% back on Costco purchases (including, 3% on restaurants and eligible travel purchases, and 4% cash back on eligible gas and EV charging purchases (for the first $7,000 per year and 1% after that). All other purchases earn 1% back. Cash back rewards are redeemable as a rewards certificate

Even better, the Visa card also serves as your Costco membership card, so you save space in your wallet when you earn big rewards on your next visit.

Related Content

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.