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Sam's Club® Mastercard®
- Regular Purchase APR 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good , Fair
- Processing Network Mastercard
- Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
- Earn 3% cash back on Sam's Club purchases for Plus members. Club members earn 1% cash back
- Earn 3% cash back on dining and takeout
- Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted
- No annual fee
- Regular Purchase APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
Buy On Trust Lending
- Regular Purchase APR See Terms
- Balance Transfer APR See Terms
- Annual Fee See Terms
- Credit Needed Fair , Poor
- Processing Network N/A
- With an initial payment of just $50, you can afford to shop from all the top brand names
- Buy On Trust TODAY, Pay LATER
- All The Big Name Brand Laptops, Tv's & More
- Up to $5,000 approval
- Regular Purchase APR: See Terms
- Balance Transfer APR: See Terms
- Penalty APR: See Terms
- Annual Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
Boston Celtics Credit Card
- Regular Purchase APR 15.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- Earn 7X points on Celtics tickets, rideshare services and streaming services
- Earn 4X points on dining
- Earn 2X points on groceries and drug stores
- Earn 1X points on all other purchases
- 10% off purchases at the online Celtics shop
- No annual fee
- Regular Purchase APR: 15.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Penalty APR: 29.99%
West Elm Key Rewards Visa
- Regular Purchase APR 24.99% variable based on the Prime Rate
- Balance Transfer APR 24.99% variable based on the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Processing Network Visa
- No annual fee
- Earn 5% back online and in stores across seven brands
- Earn 4% back at grocery stores and restaurants (excludes fast food)
- Earn 1% Back on all other purchases
- 10% back across seven brands for your first 30 days from account opening.
- Special 12-month promotional financing on purchases of $750 or more
- Free standard shipping at Williams Sonoma brands
- Regular Purchase APR: 24.99% variable based on the Prime Rate
- Balance Transfer APR: 24.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
Williams Sonoma Key Rewards Visa
- Regular Purchase APR 24.99% variable based on the Prime Rate
- Balance Transfer APR 24.99% variable based on the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Processing Network Visa
- No annual fee
- Earn 5% back online and in stores across seven brands
- Earn 4% back at grocery stores and restaurants (excludes fast food)
- Earn 1% Back on all other purchases
- 10% back across seven brands for your first 30 days from account opening.
- Special 12-month promotional financing on purchases of $750 or more
- Free standard shipping at Williams Sonoma brands
- Regular Purchase APR: 24.99% variable based on the Prime Rate
- Balance Transfer APR: 24.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
Pottery Barn Key Rewards Visa
- Regular Purchase APR 24.99% variable based on the Prime Rate
- Balance Transfer APR 24.99% variable based on the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Processing Network Visa
- No annual fee
- Earn 5% back online and in stores across seven brands
- Earn 4% back at grocery stores and restaurants (excludes fast food)
- Earn 1% Back on all other purchases
- 10% back across seven brands for your first 30 days from account opening.
- Special 12-month promotional financing on purchases of $750 or more
- Free standard shipping at Williams Sonoma brands
- Regular Purchase APR: 24.99% variable based on the Prime Rate
- Balance Transfer APR: 24.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
The Key Rewards Visa
- Regular Purchase APR 24.99% variable based on the Prime Rate
- Balance Transfer APR 24.99% variable based on the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Processing Network Visa
- No annual fee
- Earn 5% back online and in stores across seven brands
- Earn 4% back at grocery stores and restaurants (excludes fast food)
- Earn 1% Back on all other purchases
- 10% back across seven brands for your first 30 days from account opening.
- Special 12-month promotional financing on purchases of $750 or more
- Free standard shipping at Williams Sonoma
- Regular Purchase APR: 24.99% variable based on the Prime Rate
- Balance Transfer APR: 24.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
myWalgreens™ Mastercard®
- Regular Purchase APR 17.99%, 23.99%, or 26.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 29.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- No annual fee
- 10% rewards on Walgreens brand purchases
- 5% rewards on all other Walgreens purchases
- 3% on grocery and health & wellness purchases outside of Walgreens
- 1% rewards on other purchases everwhere Mastercard is accepted
- Regular Purchase APR: 17.99%, 23.99%, or 26.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: $29
Miami Marlins Credit Card
- Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- No annual fee
- Earn 5% cash back at retail and concessions at loanDepot park
- Earn 5X points on Marlins tickets
- 3X points on dining, food delivery, gas, and drugstores
- Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Penalty APR: Up to 29.99%
Quicken® World Mastercard®
- Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- No annual fee
- Earn 2X points on recurring bills, including utilities, telephone, cable, club memberships, and even your Quicken software subscription
- Earn 2X points on groceries and dining
- Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
What is a Retail Credit Card?
Retail rewards credit cards, also known as store credit cards, are those meant to earn cardholders rewards for store purchases. They’re generally offered through a partnership between a store and a credit card issuer, and earn the most rewards on in-store and online purchases. Cardholders can then redeem their rewards for store discounts, cash back rewards, statement credits, and complimentary items. Overall, this encourages further spending with the store and fosters customer loyalty.
What Stores Have Credit Cards?
The point of a retail credit card is that it rewards cardholders not just for spending but for making purchases at a particular store. As a result, a wide variety of stores offer these cards to increase revenue. This includes but is not limited to:
Grocery Stores
Car Dealerships
Home Improvement Stores
Coffee Shops
Department Stores
Pet Stores
Wholesale Stores
Online Retailers
Types of Rewards
Retail store credit cards may offer several different types of rewards depending on the type of store associated with them. For instance, dealerships may offer rewards on maintenance and parts ordered for a vehicle, plus bonus categories like gas. Cardholders can then exchange these rewards for discounts on future maintenance or the purchase of a new vehicle, provided their card account is open and in good standing. Meanwhile, clothing store credit cards may provide cardholders with special discounted shopping days, as well as coupons and free items. These rewards are typically earned on eligible net purchases.
Can You Use Retail Credit Cards Anywhere?
Whether or not you can use a retail card anywhere largely depends on if you have closed-loop or open-loop card. Though both may be co-branded, closed-loop credit cards are not supported by a major payment network like Visa or American Express. This means they can only be used to make purchases at that particular store.
Meanwhile, the best store cards are often open-loop cards, which are supported by a major payment network. This means you can use them with any retailer that works with that network. However, they’ll typically reward more for purchases made at a specific store, or offer rewards that can only be redeemed at that store.
For example, the Belk Rewards Mastercard® allows you to use the card anywhere, though you redeem your rewards for Belk discounts. If you don’t qualify for the Mastercard version right away, you’ll start off with a closed-loop Belk Rewards card which can only be used at Belk. Similarly, rewards with the Athleta Visa, Old Navy Visa, or the Forever 21 Visa only apply at those unique brands.
That’s why it’s important to check the terms and conditions for the card you want. If a card can only be used at one particular store, you’ll need to decide if that option is worthwhile based on your spending habits. If you only shop at a store from time to time, you will likely benefit more from a different retail card, or even a generic cash back credit card.
Merchandise Cards
Merchandise cards are a great choice for those with a limited credit history – or no credit history at all. Why choose catalog store credit cards or merchandise cards for bad credit? Here are three of the top reasons to consider a catalog card:
Catalog cards are a unique type of retail payment card. These are not credit cards, but they provide a line of unsecured credit at an individual online store – or online catalog. Unlike mainstream credit cards, catalog merchandise cards are closed-loop, meaning they may only be used at the store associated with them.
There are several merchandise cards on the market today. These cards offer different benefits to account holders, depending on the card’s issuer.
Buy On Trust Lending
- With an initial payment of just $50, you can afford to shop from all the top brand names
- Buy On Trust TODAY, Pay LATER
☆ Quick Application
☆ Up to $5,000 Approval
☆ All The Big Name Brand Laptops, Tv's & More
☆ Perfect for Bad Credit
Buy On Trust is another type of merchandise and retail card for bad credit. The Buy On Trust merchandise credit account is a lease-to-buy program where account holders can buy today and pay later. The company offers major brand names like Apple, LG, Bose, and more – with credit limits of up to $5,000 and flexible repayment schedules.
Are Retail Credit Cards Bad for Your Credit?
One of the most widespread ideas about retail cards is that they’re bad for your credit. Though this isn’t true 100% of the time, there’s a good reason for this belief. For one thing, instant approval store credit cards make it easy to apply for these cards at the register, leading many shoppers to sign up without giving the decision any thought.
Moreover, retail credit cards tend to have some of the highest interest rates and fees of any other credit card category. They also place a lot of emphasis on extraneous spending. This means those who aren’t careful may find themselves buying more than they can reasonably afford just to earn rewards. Carrying a balance or missing a payment can be especially punishing with these types of credit cards.
However, this also means that the answer to “Do retail credit cards build credit?” is yes. When used responsibly, these cards can help build credit just like any others. In fact, retail cards can often be easier to apply for than other rewards cards with a bad credit history. This leads many consumers to apply for these in place of secured credit cards in order to rebuild their credit, since there’s no deposit to worry about.
What are the Best Retail Rewards Credit Cards?
With so many stores offering their own credit cards, it can be difficult to know which one to choose. First and foremost, it’s important to pick a card that matches your spending habits. If you don’t already spend a lot with the store in question, you may not get enough rewards out of the card to make it worthwhile. Regardless of which option you pick, a store retail card is usually a better bet than simply using your debit card.
You also want to consider your credit. While many retail cards are open to those with lower credit scores, there are usually still certain credit requirements you need to meet. If you’re worried about qualifying, you may want to look for those aimed specifically at bad credit.
