Store Credit Cards

Store credit cards offer rewards and benefits from a particular business. These cards are good for people who are loyal to a particular store or company. They can also be good for building credit.

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Store credit cards FAQs

Should you open a store credit card for the one-time discount?

It depends. You should carefully consider the terms, your credit score, and your spending habits before opening a store card just for the discount.

Why is it easier to get a store credit card than a regular one?

Store credit cards tend to be easier to get than traditional credit cards because they often have more lenient approval requirements. This is because they typically come with built-in limitations, such as high interest rates, low credit limits, and limited usage options.

Which is better – a store credit card or a general rewards card?

It really depends on the card. Some store cards have greatly improved and can be a good choice for people who shop there a lot.

What to know before getting a store credit card

Before You Get a Retail Credit Card, Consider Your Options

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Compare popular store credit cards

Get the details on popular store credit cards

Read our store credit card reviews

Amazon Prime Visa Review: Perhaps the Ultimate Store Card

4.6

NerdWallet rating

Earning 5% back at both Amazon (which basically sells everything) and Whole Foods is unbeatable, but you can't get this card without an Amazon Prime membership.

Costco Anywhere Visa Review: Bulked-Up Savings for Members

4.6

NerdWallet rating

Costco members can turn their everyday spending on gas, travel and dining out into rich rewards at the wholesale club, but you won't get big discounts at the store itself.

Target Circle Credit Card Review: 5% Discount and No Annual Fee

4.5

NerdWallet rating

For Target devotees, this card hits the bull's-eye. You won't earn traditional rewards, but you'll get upfront savings. Just make sure you pay in full each month.

My GM Rewards Card Review: Revved-up Yet Inflexible Rewards

4.5

NerdWallet rating

The My GM Rewards Card earns generous rewards, but redemption options are limited.

Sam’s Club Mastercard Review: Great for Gas and Premium-Tier Sam’s Members

3.6

NerdWallet rating

It offers rich rewards on gas, EV charging and dining, and Sam's Club 'Plus' members can also earn a high rate on shopping with the wholesale club. But the card is less appealing for lower-tier Sam's Club members.