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- 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 Terms
- Balance Transfer APR: See Terms
- Annual Fee: See Terms
Date Reviewed: February 17, 2021
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
- 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
- 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
- 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
- Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
- Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
- Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
- Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
- Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
- Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
- Save 15%* off the Merchandise Value** of your purchase at Harry & David - Offer Expires on December 31, 2021 - See Details
- Troon® Golf for Visa Infinite - Offer Expires on January 26, 2022 - See Details
- Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card - Offer Expires on December 31, 2021 - See Details
- View All Deals -
- Earn 5x points per dollar at more than 400 wineries, wine clubs, and other Grand Reserve Partners
- Earn 3x points per dollar at any other winery, wine store, liquor store, restaurant, or bar
- Earn 2x points per dollar everywhere else
- Earn an additional 2 point per dollar bonus at your top wine merchant each month
- Redeem your points from our sommelier-curated catalog of more than 450 products and experiences for the discerning wine lover
- Receive discounts and upgrades at hundreds of wineries with your complimentary Priority Wine Pass membership
- $0 annual fee for the first year, then $149
- No foreign exchange fee
- 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
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
- Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
- Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
- Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
- Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
- Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
- Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
- Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
- View All Deals -
- 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
- 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
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
- Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
- Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
- Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
- Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
- Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
- Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
- Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
- View All Deals -
- 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
- 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 $39
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
- Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
- Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
- Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
- Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
- Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
- Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
- Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
- View All Deals -
- 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
- 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 $40
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
- Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
- Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
- Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
- Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
- Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
- Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
- Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
- View All Deals -
- 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
- 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
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
- Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
- Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
- Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
- Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
- Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
- Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
- Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
- View All Deals -
- 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
- 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
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
- Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
- Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
- Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
- Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
- Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
- Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
- Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
- View All Deals -
- $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
- 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
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
- Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
- Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
- Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
- Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
- Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
- Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
- Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
- View All Deals -
Date Reviewed: May 20, 2020
Shop Your Way 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: 25.24% 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
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
- Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
- Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
- Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
- Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
- Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
- Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
- Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - 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:
- Grocery stores (like the Smith’s REWARDS World Mastercard , the Fry’s REWARDS Mastercard, the Ralphs Rewards Plus Visa Card, Target RedCard, or the QFC REWARDS Mastercard)
- Hardware and home improvement shops (like the At Home Mastercard®, the Crate & Barrel Mastercard. or the Lowe’s Business Rewards Card)
- Department stores (like the TJK Rewards Mastercard or
- Wholesale shops (like the Costco Anywhere Visa® Business Card by Citi, the BJ’s Perks Plus® Mastercard®, or the Costco Anywhere Visa® Card by Citi)
- Dealerships (like the INFINITY Visa)
- Coffee shops (like the Starbucks Visa)
- Online retailers (like the PayPal CashBack Mastercard, the DSW Visa, or the Williams Sonoma Visa)
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 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!