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Browse the Best Retail Rewards Credit Cards

Want rewards from your favorite brands or department stores? With a retail rewards card, you can enjoy exclusive shopping perks like free shipping and early access to sales from the places where you already love to shop at. Explore our selection of retail rewards credit cards to find the best offers.

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Showing 73 Cards

Date Reviewed: April 27, 2021

Petco Pay Mastercard

Petco Pay Mastercard
  • Regular Purchase APR 17.49% or 26.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 26.99% variable based on the Prime Rate
  • Cash Advance APR 27.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Mastercard
Best Benefits
  • 8% Back in Pals Rewards at participating Petco locations and Petco.com
  • 2% back in Pals Rewards at grocery stores
  • $25 Pals Reward when you spend $500 outside of Petco in the first 90 days
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 17.49% or 26.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 26.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the transfer, whichever is greater
  • Cash Advance APR: 27.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the transaction, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction in US dollars
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: April 26, 2021

Cleveland Cavaliers Credit Card

Cleveland Cavaliers 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
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 5X points on Cavs season tickets and streaming services
  • 10% cash back at the Cavs team shop
Rates & Fees
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 29.99%
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: April 26, 2021

Manchester United Credit Card

Manchester United 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
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 5X points at bard and restaurants on official matchdays
  • 10% cash back on official Manchester United merchandise purchases
Rates & Fees
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 29.99%
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: March 25, 2021

Buy On Trust Lending

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
Best Benefits
  • 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
Rates & Fees
  • 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

Date Reviewed: May 07, 2021

PlayStation® Visa® Credit Card

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 Needed Excellent
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% intro APR for the first 6 months
  • Earn 5X points on PlayStation or Sony purchases
  • Earn 3X points on internet and cable bills
  • Earn 2X points on dining
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • 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 $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: April 02, 2021

Grand Reserve™ World Mastercard®

Grand Reserve™ World Mastercard®
  • Regular Purchase APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None for the first year. After that, $149
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 50,000 Grand Reserve Rewards points after you spend $3,000 in 90 days from account opening
  • Receive a welcome gift of a pair of wine glasses (a $110 value) on card activation
  • Earn up to 7x points per dollar on wine purchases, with our Top Wine Merchant Bonus
  • Earn 5x points per dollar at more than 450 wineries, wine clubs, and other Grand Reserve Partners
  • Redeem your points for wine, sommelier-approved wine accessories, and unique vineyard experiences
  • Receive special offers and concierge services for wine country visits with your included complimentary Priority Wine Pass
  • $0 annual fee for the first year, then $149
  • No foreign exchange fee
Rates & Fees
  • Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee: None for the first year. After that, $149
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $37
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: May 06, 2021

PayPal Extras Mastercard®

PayPal Extras Mastercard®
  • Regular Purchase APR 19.99%, 23.99%, 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 Needed Excellent , Good , Fair
  • Processing Network Mastercard
Best Benefits
  • 3X points at gas stations and restaurants
  • 2X points on purchases made through PayPal and eBay
  • 1X point on all purchases wherever Mastercard is accepted
  • Mastercard identity theft protection
Rates & Fees
  • Regular Purchase APR: 19.99%, 23.99%, or 26.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 26.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: May 06, 2021

PayPal Cashback Mastercard

PayPal Cashback Mastercard
  • Regular Purchase APR 19.99%, 23.99% or 26.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.99%
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn unlimited 2% back on all purchases
  • No foreign transaction fees
  • No annual fee
  • ID Theft Protection
Rates & Fees
  • Regular Purchase APR: 19.99%, 23.99% or 26.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 26.99%
  • 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
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: March 10, 2021

ScoreRewards Mastercard®

ScoreRewards Mastercard®
  • Regular Purchase APR 25.99%, variable with the market based on the Prime Rate
  • Cash Advance APR 29.99%
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 2X points per $1 spent on all qualified in-store purchases at DICK'S Sporting Goods, and online at DICKS.com
  • Earn 1 point per $3 spent anywhere else Mastercard is accepted
  • Automatic ScoreCard Gold Status with account approval
  • No annual fee
  • Choose between two exclusive sign-up bonuses when your new account is approved
Rates & Fees
  • Regular Purchase APR: 25.99%, variable with the market based on the Prime Rate
  • Cash Advance APR: 29.99%
  • 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 $40
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: March 23, 2021

Stein Mart Platinum Mastercard®

Stein Mart Platinum Mastercard®
  • Regular Purchase APR 26.99%, variable with the market based on the Prime Rate
  • Cash Advance APR 28.99%
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 2 points per $1 spent at Stein Mart
  • Earn 2% back in Rewards for purchases
  • Enjoy exclusive shopping events and Bonus Points Days
  • Receive a $10 Stein Mart SMart Cash Reward with your new card in the mail as a thank you
  • Take 10% off your first purchase at Stein Mart with your new Stein Mart credit card
  • When you spend $500 or more each year, you're automatically upgraded to the Stein Mart Platinum Elite Mastercard, which doubles the rewards you can earn: 4 points per $1 spent at Stein Mart, and 4% back in Rewards for purchases
Rates & Fees
  • Regular Purchase APR: 26.99%, variable with the market based on the Prime Rate
  • Cash Advance APR: 28.99%
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of each transaction
  • Late Payment Penalty Fee: Up to $39
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

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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:

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 VisaOld 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.

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. Overall, the best credit card offers from retailers include the following:

  • The Horizon Gold Card: If you’re looking for retail cards for bad credit, the Horizon Gold Card is a great option. Not only can it help you rebuild your credit, but it also doesn’t require a credit check and you’ll automatically receive a $500 credit limit. Once you have the card, you can browse the hundreds of products available in the online Horizon Outlet from clothes and electronics to kitchen staples and home décor.
  • The Amazon Prime Rewards Visa Signature® Card: If you already have an Amazon Prime account, this could be the perfect companion card. Any time you make a purchase with the online retailer or its partner, Whole Foods, you earn 5% cash back. Since this isn’t a closed-loop card, you can also earn rewards on gas, dining, and any other purchases you make. The $70 gift card you get upon approval and the lack of foreign transaction fees just sweeten the deal.
  • The IKEA® Visa® Credit Card: Fans of IKEA can get a lot out of this card, both in-store and on everyday essentials. Unlike most cards which offer 2% cash back on secondary earning categories, with this offer you can earn 3% on dining, groceries, and utilities. This is on top of the 5% on IKEA purchases (including at the restaurant). It’s one of the more impressive Commenity Bank store credit cards.

Find the Best Shopping Companion for Your Wallet

Whether you’re looking for the easiest retail credit card to get or the one offering the most rewards, the BestCards team has the insight you need. We’ve done the hard work for you to craft in-depth reviews on the latest credit card offers. If you need a little help with your credit card strategy, we’ll keep you up-to-date with news, advice, and tips from around the industry. Find your best card with us!