This post may contain links from partner offers, and we may receive compensation when you click on links to these offers. Please see our advertiser and editorial disclosures above for more information.
Showing 84 Cards
Sort By Column Name:
Buy On Trust Lending
Buy On Trust Lending
- See website for Details* Regular Purchase APR
- See website for Details* Balance Transfer APR
At a Glance
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.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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 website for Details*
- Balance Transfer APR: See website for Details*
- Penalty APR: See website for Details*
- Annual Fee: See website for Details*
- Late Payment Penalty Fee: See website for Details*
- Return Payment Penalty Fee: See website for Details*
- You have limited credit or no credit history at all
- You want a credit line to purchase brand-name laptops, TVs, and other electronics
- You have an open checking account in good standing
- You live in any U.S. state except MN, NJ, WI, or WY
SmartHealth PayCard
SmartHealth PayCard
- 18% Regular Purchase APR
- See Terms Cash Advance APR
At a Glance
The SmartHealth PayCard™ Mastercard® is a medical credit card that offers coverage for unexpected medical costs, prescriptions, and more. The card, which features credit limits of up to $30,000, also offers accidental death insurance, accidental medical expense insurance, and prescription savings – for a $120 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 90 seconds to apply, and get a virtual card for use immediately
- Individual and family benefits of $5,000 accident and injury medical indemnity benefit coverage
- SmartHealth Rx provides pharmacy discounts of up to 85% on most generic drugs
- May also be used for veterinarian services
- Regular Purchase APR: 18%
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: See Terms
- Annual Fee: $120
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- You anticipate having additional medical expenses in the coming year
- You have children or pets and want the assurance of additional medical coverage
- You want to finance elective surgeries over-time
- You have insurance but want extra coverage and prescription savings
Shell Fuel Rewards Mastercard
Shell Fuel Rewards Mastercard
- 31.24% variable based on the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Shell Fuel Rewards® Mastercard® is likely to catch the eye of folks who frequently fill their cars and prefer to pump their gas at Shell gas stations. This is thanks to a rewards program that’s designed to give cardholders considerable savings with Shell.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Save up to 10 cents per gallon, on up to 20 gallons every time you fill up (5 cents per gallon with the card and 5 cents per gallon with Fuel Rewards Gold Status)
- Enjoy 10% Shell rebates on your first $1,200 Shell non-fuel purchases per year
- Enjoy 2% shell rebates on your first $10,000 Dining and Groceries purchases ber year
- Enjoy 1% Shell rebates on all other qualifying purchases
- Rebates are applied as a statement credit against Shell purchases made with your card in future billing cycles
- Regular Purchase APR: 31.24% variable based on 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 each purchase transaction in U.S. Dollars
- Late Payment Penalty Fee: Up to $40
- You commute to work or drive long distances regularly
- You buy the majority of your gas from Shell stations
- You want to take advantage of savings of up to 10 cents per gallon each time you fill your tank
- You would like to earn rebates on other qualifying purchases in dining, groceries, and more
BJ’s One+™ Mastercard®
BJ’s One+™ Mastercard®
- 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate Balance Transfer APR
- 31.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The BJ’s One+™ Mastercard® helps you save big at BJ's Wholesale Clubs with up to 5% cash back in rewards on most BJ's purchases, 15 cents off each gallon of gas at BJ's Gas locations, and 2% back on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% back in rewards on most purchases at BJ’s
- 2% back in rewards on purchases everywhere else Mastercard® is accepted
- 15¢ off/gallon at BJ’s Gas®
- Your rewards never expire
- Redeem your rewards in-club, on BJs.com or in the BJ’s app
- Regular Purchase APR: 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate
- Balance Transfer APR: 19.24% to 29.24% variable based on your creditworthiness and 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.
- Cash Advance APR: 31.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
- You already shop at BJ's and have a The One membership account
- You pump your gas exclusively at BJ's Gas locations
- You do't want to pay an annual fee
Lowe's Business Rewards Card
Lowe's Business Rewards Card
- 20.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Lowe’s Business Rewards Card from American Express is a great business rewards card for those who want to earn 3% cash back while making everyday business purchases at restaurants and office supply stores, as well as 2% cash back during their trips to Lowe’s. Do-it-yourselfers will be pleased to know that they can earn a welcome offer of $100 in cash back as soon as they’re approved for the card (as a statement credit – see terms).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% cash back on purchases at Lowe's
- 3% cash back at restaurants, office supply stores & wireless telephone services
- 2% cash back on Lowe's purchases
- 1% cash back on all other purchases
- Regular Purchase APR: 20.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You own a business and frequently shop at Lowe’s home improvement stores
- You want to earn 3% cash back on everyday business purchases at restaurants and office supply stores, 2% cash back while shopping at Lowe’s, and 1% cash back on all other eligible purchases
- You want an easy welcome offer in the form of a $100 cash back statement credit as soon as your account is opened
You've viewed 5 of 84 credit cards
The information related to Birch Lane Mastercard, AllModern Mastercard®, Wayfair Mastercard®, Joss & Main Mastercard®, Shop Your Way Mastercard®, Brooks Brothers Platinum Mastercard, L.L.Bean® Mastercard®, Macy’s American Express® Card, Bloomingdale’s American Express® Card at the Top of the List, Bloomingdale’s American Express® Card, My Best Buy Visa Card, and AT&T Access Card from Citi has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.
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:
| Groceries | Home improvement stores | Department stores | Wholesale clubs |
| Auto dealerships | Coffee shops/ cafes | Pet 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.
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.
How Does One Find 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.
Check out more