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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 67 Cards

Date Reviewed: March 04, 2020

Meijer Mastercard®

Meijer Mastercard®
  • 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 27.99%
  • Annual Fee None
  • Credit Needed Fair
  • Processing Network Mastercard
Best Benefits
  • Get $10 off your first purchase within 30 days of opening an account
  • Earn an additional $10 reward for each $750 you spend
  • Get cents off per gallon of Meijer gas
  • No annual fee
Rates & Fees
  • 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: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 27.99%
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

Date Reviewed: February 28, 2020

PayPal Extras Mastercard®

PayPal Extras Mastercard®
  • Regular Purchase APR 21.49%, 25.49%, or 28.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.74% 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: 21.49%, 25.49%, or 28.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 23.74% 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 $39

Date Reviewed: February 07, 2020

ScoreRewards Mastercard®

ScoreRewards Mastercard®
  • Regular Purchase APR 26.99%, 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: 26.99%, 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 each transaction
  • Late Payment Penalty Fee: Up to $39

Date Reviewed: January 27, 2020

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

Date Reviewed: January 24, 2020

eBay Mastercard®

eBay Mastercard®
  • Regular Purchase APR 19.99%, 23.99%, or 26.99% variable based on the Prime Rate
  • Cash Advance APR 29.99%
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • Up to 5X points per dollar spent at eBay
  • 2X points at gas stations, restaurants, and grocery stores
  • 1X points on all other purchases
  • Must have an eBay account in order to apply
Rates & Fees
  • Regular Purchase APR: 19.99%, 23.99%, or 26.99% variable 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 $39

Date Reviewed: January 20, 2020

Belk Rewards Mastercard®

Belk Rewards Mastercard®
  • Regular Purchase APR 25.49%
  • Cash Advance APR 29.99%
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • $10 Belk Reward for every 1,000 points
  • 20 Exclusive savings events each year
  • Receipt free returns
  • Bonus rewards events
  • Cardholder savings day of the month
  • Early access to in-store promotions and events
Rates & Fees
  • Regular Purchase APR: 25.49%
  • 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 $39

Date Reviewed: January 17, 2020

Shop Your Way Mastercard®

Shop Your Way Mastercard®
  • Regular Purchase APR 25.24% variable based on the Prime Rate
  • Balance Transfer APR 25.24% variable based on the Prime Rate
  • Cash Advance APR 27.15% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 25.24% variable based on the Prime Rate
  • Balance Transfer APR: 25.24% 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: 27.15% 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

Date Reviewed: January 17, 2020

CareCredit® Rewards™ Mastercard™

CareCredit® Rewards™ Mastercard™
  • Regular Purchase APR 26.99%
  • Cash Advance APR 26.99%
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 2X points on CareCredit Network purchases
  • 2X points on Health & Wellness
  • 2X points at grocery stores
  • 2X points at pet stores
  • 1X points on all other purchases
  • Redeem points for statement credit, gift cards, merchandise and more
Rates & Fees
  • Regular Purchase APR: 26.99%
  • Cash Advance APR: 26.99%
  • Cash Advance Transaction Fee: Either $10 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 $39

Date Reviewed: January 15, 2020

AEO Connected® Visa® Credit Card

AEO Connected® Visa® Credit Card
  • Regular Purchase APR 25.99% variable based on the Prime Rate
  • Cash Advance APR 26.99%
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • Extra 10% off everyday AEO Connected® credit card purchases
  • 15X points per $1 spent at American Eagle Outfitters
  • 5X points per $1 spent everywhere else
  • Free standard shipping
  • 20% off birthday coupon
  • Buy 5 jeans or bras and get 1 free
  • Personal Shopping Day coupon
  • Six cardholder events each year
Rates & Fees
  • Regular Purchase APR: 25.99% variable based on the Prime Rate
  • Cash Advance APR: 26.99%
  • 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 $39
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: January 14, 2020

Brooks Brothers Platinum Mastercard

Brooks Brothers Platinum Mastercard
  • Regular Purchase APR 15.99%, 18.99%, or 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.24% to 24.24 variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • $50 off Brooks Brothers in-store purchase of $200 or more
  • $20 anniversary bonus
  • Earn up to 6X points based on My Brooks Reward Program Status
Rates & Fees
  • Regular Purchase APR: 15.99%, 18.99%, or 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 23.24% to 24.24 variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40

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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 shopping at particular stores. 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 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 storeAs 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 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. 

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. 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® CardIf 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 utilitiesThis 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 offersIf 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!