What Retail Stores Offer Credit Cards

Best Retail Credit Cards in 2020

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If you’ve ever shopped at a large retailer, it’s likely you’ve heard of the pitch: “You can get a discount if you apply for our credit card.” It’s possible that you’ve been tempted by the offer, or maybe you’ve wondered what retail stores offer credit cards and the number of other options there may be.

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 which covers what retail stores offer credit cards.

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 Amazon.com, 2% back at restaurants, gas stations, and drug stores, and 1% cash back everywhere else.

Barclaycard Visa with Apple Rewards

Earn 3 points per dollar spent at Apple, 2 points per dollar spent at restaurants, and 1 point per dollar spent everywhere else.

BP Visa Credit Card

Earn 25 cents off per gallon for every $100 you spend at BP gas stations, 5 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 Visa

Earn 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.

LoveLoft Mastercard

Earn 5 rewards points for every dollar spent at all ANN INC. brands, 2 for gas and groceries, & 1 everywhere else.

Belk Elite Rewards MasterCard

Earn up to 5% back in rewards at Belk or Belk.com, 2% back in rewards on groceries and fuel purchases, and 1% back on all other purchases everywhere Mastercard is accepted.

Bed Bath & Beyond MasterCard

Earn 5% back in rewards for every $1 spent at Bed Bath & Beyond®, buybuy BABY® Christmas Tree Shops® and That!®, Cost Plus World Market®, and Harmon Face Values®. Earn 2% back in rewards for every $1 you spend on gas and groceries and 1% back in rewards for every $1 you spend anywhere else Mastercard is accepted.

What retail stores offer rewards credit cards for those with bad credit?

It is possible to get store credit cards even if you have bad credit. If you are looking to apply for a store credit card with bad credit, consider some of these top store credit cards.

Starbucks Rewards Visa Card

Earn up to 3 stars per $1 spent at Starbucks stores and 1 star for every $4 spent everywhere else.

Walmart Credit Card

Earn 3% cash back on com purchases, 2% back on Murphy USA and Walmart gas purchases, and 1% back everywhere else.

Banana Republic Credit Card

For every $1 spent at Gap Inc. brands, in-store and online, card owners will gain 5 points. Also, for every $1 spent everywhere Visa cards are accepted, you’ll gain 1 point and for every 500 points you earn you’ll get a $5 reward. You can learn more about Banana Republic’s Credit Card in this article here.

Best Buy

You’ll get 5% back in rewards on most Best Buy purchases (or 6% if you’re a My Best Buy Elite Plus member). With the My Best Buy Visa® card, you’ll also get 2% back on dining and 1% back everywhere else. The card also runs promotional bonuses.

Additionally, our comprehensive list on the best credit cards for bad credit can help you find other alternatives aside from retail credit cards.

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. This is especially true 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. Also, 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.

What retail stores offer credit cards? Here’s a list of 255 retail stores that do

If you shop at these retailers often, it may be worth considering to apply for a store credit card.