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REI Co-op® Mastercard®
Your Everyday Card.
- Regular Purchase APR 16.99%, 23.99%, or 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.99%, 23.99%, or 27.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 27.99% 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
- No annual fee
- No foreign transaction fees
- Earn 5% back on REI purchases
- Earn 1.5% back on all other purchases
- Regular Purchase APR: 16.99%, 23.99%, or 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.99%, 23.99%, or 27.99% variable based on 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: 27.99% 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
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Join today!Buy On Trust Lending
Up to $5,000 Approval
- Regular Purchase APR See website for Details*
- Balance Transfer APR See website for Details*
- Annual Fee See website for Details*
-
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.Fair , Poor , No Credit Required
- 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 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*
Shell Fuel Rewards Mastercard
Save 10 Cents per Gallon and Earn Shell Rebates
- Regular Purchase APR 29.49% 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
- 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: 29.49% 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
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!SmartHealth PayCard
Credit Line Available Immediately
- Regular Purchase APR 18%
- Cash Advance APR See Terms
- Annual Fee $120
-
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.Good , Fair , Poor
- Processing Network Mastercard
- 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
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Sam's Club® Mastercard®
Doubles As Your Membership Card
- Regular Purchase APR 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 15.90% or 23.90% 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 , 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: 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.90% or 23.90% 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: 15.90% or 23.90% 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
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!AT&T Points Plus Card from Citi
Get up to $340 Back
- Regular Purchase APR 19.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 19.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.99% 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
- $100 statement credit after spending $1,000 in the first 3 months
- $20 statement credit every billing cycle you spend $1,000+ on your AT&T Points Plus Card (that's up to $240 a year!) for AT&T Wireless customers.
- 3X ThankYou Points on gas; 2X points on groceries; 1X on all other purchases
- No annual fee
- Regular Purchase APR: 19.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: 3% of each purchase transaction in US 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!U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Earn up to 6% Cash Back At Your Favorite Stores
- Regular Purchase APR 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 29.74% variable based on the Prime Rateq
- Annual Fee $0 for the first year; $95 thereafter
-
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 Visa
- Earn up to 6% cash back at your favorite stores
- Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category
- Earn 1.5% back on all eligible purchases
- No annual fee for the first year; $95 after that
- Regular Purchase APR: 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.24% to 28.24% 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: 29.74% variable based on the Prime Rateq
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Annual Fee: $0 for the first year; $95 thereafter
- 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!My Best Buy Visa Card
Choose Between 5% Back or Special Financing
- Regular Purchase APR 29.24% variable based on the Prime Rate
- Balance Transfer APR 29.24% 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
- 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: 29.24% variable based on the Prime Rate
- Balance Transfer APR: 29.24% 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: 29.99% 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 $41
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Join today!Miami Marlins Credit Card
Earn 10,000 Home Run Rewards Points
- Regular Purchase APR 19.74% to 29.74% 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
- 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: 19.74% to 29.74% 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!Cleveland Cavaliers Credit Card
Believeland with Every Swipe
- Regular Purchase APR 19.74% to 29.74% 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 Cavs season tickets and streaming services
- 10% cash back at the Cavs team shop
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Penalty APR: 29.99%
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Join today!You've viewed 10 of 83 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
-
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, TVs & More
☆ Perfect for Those with Poor 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.
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.
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