What Retail Stores Offer Credit Cards

What Retail Stores Offer Credit Cards? Here Are 255 of Them

If you’ve ever shopped at a large retailer, you’ve probably gotten the pitch: “You can get a discount if you apply for our credit card.” Perhaps you’ve been tempted by the offer, or maybe you’ve wondered what other options there are.

Most major retailers offer a store credit card that you can use for purchases at the retailer, and some even allow you to use the card everywhere else.

“Store cards may help people who are trying to establish or rebuild their credit,” says Freddie Huynh, vice president of credit risk analytics with Freedom Financial Network. “Retail store card issuers are generally more likely to approve people with lower credit scores.”

If you’re wondering if your favorite retailers offer a credit card, review our comprehensive list below.

What store credit cards can you use anywhere?

One major drawback to store credit cards is that many of them are closed loop. This means you can only use the card at the retailer, either online, in the store, or both.

Store cards may help people who are trying to establish or rebuild their credit,”

There are, however, a handful of store credit cards that you can use anywhere. Here are the top options:

  • Amazon Rewards Visa Signature: Earn up to 5% cash back at com, 2% back at restaurants, gas stations, and drug stores, and 1% cash back everywhere else.
  • Barclaycard Visa with Apple RewardsEarn 3 points per dollar spent at Apple, 2 points per dollar spent at restaurants, and 1 point per dollar spent everywhere else.
  • BP Visa CardEarn 25 cents off per gallon for every $100 you spend at BP gas stations, 15 cents off per gallon for every $100 you spend for eligible groceries, dining and travel, and 5 cents off per gallon for every $100 you spend everywhere (excluding non-BP gas stations).
  • Costco Anywhere VisaEarn 4% cash back on eligible gas purchases, 3% back on travel and dining, 2% back at Costco and Costco.com, and 1% back everywhere else.
  • Gap Visa Card Earn 5 points per dollar spent at Gap, Old Navy, Athletica, and Banana Republic, and 1 point per dollar spent everywhere else.
  • Sam’s Club Mastercard: Earn 5% cash back on gas purchases up to $6,000 spent per year, 3% back on dining and travel, and 1% back everywhere else.
  • Starbucks Rewards Visa CardEarn up to 3 stars per $1 spent at Starbucks stores and 1 star for every $4 spent everywhere else.
  • TJX Rewards Platinum MastercardEarn a $10 rewards certificate for every $200 you spend at the T.J. Maxx family of stores.
  • Walmart Credit CardEarn 3% cash back on com purchases, 2% back on Murphy USA and Walmart gas purchases, and 1% back everywhere else.

Are store cards worth it?

If you’re just starting out with credit or have made some missteps with your credit history, a store credit card can be a better option than a secured credit card, especially if you can’t afford a security deposit. But it’s important to note that store credit cards often send out offers and discounts to cardholders. If you think this will encourage you to overspend, it might not be worth it.

Also, some store credit cards don’t report your activity to all three credit bureaus, which means you might not be building a positive credit history at all. And you’ll want to make sure you don’t carry a balance – store credit cards have some of the highest interest rates around.

“Try asking if the store offers a mailing list or email list option,” says Huynh. “Sometimes, consumers can receive the same benefits a card offers by receiving emails.”

As you consider a store credit card, do your research and check out other top credit cards to make sure you get the best one for your needs. There’s nothing wrong with choosing a store credit card over a regular rewards credit card, as long as you understand the pros and cons and do your due diligence.

These 255 retail stores offer credit cards

If you shop at one of these retailers regularly, it might be worth considering its store credit card.

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