Best Retail Credit Cards | January 2021

Most major retailers offer a store credit card that you can use at their store. Some even allow you to use the card everywhere else. But which stores offer the best retail credit cards?

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". If you're the type of person who tends to shop at one particular store a lot, then these offers can sometimes benefit you more than a general-purpose card.

What's more, these retail credit cards are often easier to get approved for than more general cards. So if you don't have great credit, retail cards can be an great option.

You'll want ot make sure you know whether the card is a "closed-loop" or "open-loop" card. Closed-loop cards can only be used at the issuing store, or stores under the same umbrella if it's a company with different brands. If you want to use your retail card everywhere, you'll want a card with a Visa or Mastercard logo on the front. These will be "open-loop" cards.

Below is a list of the best retail store credit cards as determined by the votes of SuperMoney community members and SuperMoney's algorithms.