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My Best Buy Visa Card
- Regular Purchase APR 25.49% variable based on the Prime Rate
- Balance Transfer APR 25.49% variable based on the Prime Rate
- Cash Advance APR 28.24% variable based on the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% to 12.99% for select eligible purchases
- Processing Network Visa
- No annual fee
- Special financing on select Best Buy purchases or 5% back
- 3x points on gas, groceries, and furniture stores
- 2x points on dining purchases
- 1x points on all other purchases
- Intro Purchase APR: 0% to 12.99% for select eligible purchases
- Regular Purchase APR: 25.49% variable based on the Prime Rate
- Balance Transfer APR: 25.49% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greate
- Cash Advance APR: 28.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transfer, whichever is greater
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: Up to $40
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Join today!Shop Your Way Mastercard®
- Regular Purchase APR 25.49% variable based on the Prime Rate
- Balance Transfer APR 25.49% variable based on the Prime Rate
- Cash Advance APR 27.40% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn 5% on gas purchases
- Earn 3% on groceries and dining purchases
- Earn 2% on purchases at Sears and Kmart
- Earn 1% on purchases everywhere else
- Redeem your points with a Shop Your Way membership and access additional discounts and deals
- Regular Purchase APR: 25.49% variable based on the Prime Rate
- Balance Transfer APR: 25.49% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.40% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Liverpool FC Credit Card
- Regular Purchase APR 15.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- No annual fee
- No foreign transaction fees
- Receive a complimentary LFC International Membership
- 10% off LFC merchandise
- LFCTV Go subscription free for the first year
- 5X points at the Official Liverpool FC Store and on Liverpool tickets
- 5X points on rideshare and select streaming services
- 3X points at bars & restaurants and select food delivery services
- 1X points on all other pourchases
- Regular Purchase APR: 15.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Penalty APR: 29.99%
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!New Orleans Pelicans Credit Card
- Regular Purchase APR 15.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- No annual fee
- No foreign transaction fees
- Earn 4X points on Pelicans tickets, gas, dining, and bars
- Save 10% off concessions at the Smoothie King Center and at the Pelicans Team Store
- VIP game experiences
- Regular Purchase APR: 15.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Penalty APR: 29.99%
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!PlayStation® Visa® Credit Card
- Regular Purchase APR 13.99%, 19.99%, or 22.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99%
- Cash Advance APR 23.74% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Intro Purchase APR 0% for 6 months
- Processing Network Visa
- No annual fee
- Earn 5X points on PlayStation or Sony purchases
- Earn 3X points on internet and cable bills
- Earn 2X points on dining
- Earn 1 point per $1 spent on all other purchases
- Intro Purchase APR: 0% for 6 months
- Regular Purchase APR: 13.99%, 19.99%, or 22.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99%
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.74% 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 transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Miami Marlins Credit Card
- Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.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%
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Capital One® Walmart Rewards™ Card
- Regular Purchase APR 17.99%, 23.24% or 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 17.99%, 23.24% or 26.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Unlimited 5% back at Walmart.com including Grocery Pickup and Delivery
- Unlimited 2% back at Walmart stores and at Walmart and Murphy USA Fuel Stations
- Unlimited 2% back at restaurants and on travel
- Unlimited 1% back everywhere else Mastercard® is accepted
- Points never expire
- No annual fee
- No foreign transaction fee
- Regular Purchase APR: 17.99%, 23.24% or 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.99%, 23.24% or 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of each transfer at the promotional APR. None for balances transferred at the regular transfer APR
- Cash Advance APR: 26.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Macy’s American Express® Card
- Regular Purchase APR 25.49% variable based on the Prime Rate
- Cash Advance APR 25.49% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network American Express
- Receive $10 Star Money reward for every 1,000 points
- 3% back at restaurants
- 2% back at gas stations and supermarkets
- 1% back for all other purchases
- Automatic Silver status in Macy's Star Rewards
- 25% off all merchandise with Star Pass (1)
- Free shipping with no minimum purchase
- Annual birthday surprise
- Special travel upgrades and savings on airfare, hotel bookings, cruises, and more
- Entertainment Access: Priority tickets to Broadway, sporting events, and concerts
- Regular Purchase APR: 25.49% variable based on the Prime Rate
- Cash Advance APR: 25.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 4% of the amount of each cash advance, whichever is greater.
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Birch Lane Mastercard
- Regular Purchase APR 27.24% variable based on the Prime Rate
- Balance Transfer APR 27.24% variable based on the Prime Rate
- Cash Advance APR 29.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- 5% back in Rewards at Wayfair brands
- 3% back at grocery stores
- 2% back on online purchase outside of Wayfair brands
- 1% back on all other purchases
- No interest financing if paid in full up to 24 months on qualifying orders
- No annual fee
- Regular Purchase APR: 27.24% variable based on the Prime Rate
- Balance Transfer APR: 27.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!AllModern Mastercard®
- Regular Purchase APR 27.24% variable based on the Prime Rate
- Balance Transfer APR 27.24% variable based on the Prime Rate
- Cash Advance APR 29.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- 5% back in Rewards at Wayfair brands, including AllModern
- 3% back at grocery stores
- 2% back on online purchase outside of Wayfair brands
- 1% back on all other purchases
- No interest financing if paid in full up to 24 months on qualifying orders
- No annual fee
- Regular Purchase APR: 27.24% variable based on the Prime Rate
- Balance Transfer APR: 27.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!You've viewed 10 of 92 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:
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
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With an initial payment of just $50, you can afford to shop from all the top brand names
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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.
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