Store Credit Cards

Store or retail credit cards are a great way to earn discounts or rewards at your favorite retailer. They’re known for offering generous first-purchase discounts and lucrative ongoing rewards without charging annual fees and typically offer points or cash back for purchases made at certain stores or with a certain brand, and may come with perks like free shipping or access to other exclusive benefits.
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Store Credit Cards (179)

Catherines Credit Card

Often go shopping in Catherines. If you want to increase your savings, you can use a Catherines credit card from Comenity Bank. As regards rewards, you will save 10% extra fee every day. You can use your extra allowance card or register the extra allowance. Beyond that, make sure you get a year-round credit bonus, birthday bonus and other bonuses on your bills. Use Catherines Cardmember applications and more versatility to access your account anytime, anywhere!

City Furniture Credit Card

Pay your bill. View past monthly statements. Get fast, convenient online access.

Dsw Credit Card

2 points/$1 spent outside DSW. 20 points/$1 spent inside DSW. $25 offer when you spend $500 outside DSW within 90 days of your first purchase. $25 offer when your card arrives in the mail.

Eddie Bauer Credit Card

Do you like camping, hiking or adventure? Do you like to buy driving gear? If you want to make cash back while shopping, consider the Eddie Bauer credit card. Eddie Bauer Credit Card allows you to easily display at any Eddie Bauer location or online shopping, and to receive rewards and cash returns.

Fred Meyer Credit Card

1 point per eligible net $1 spent anywhere2 Mastercard is accepted. 2 points per eligible net $1 spent on purchases made inside Fred Meyer stores. Rewards are sent automatically every quarter. Earn 500 Rewards Points and get a $5 Rewards Rebate to spend at Fred Meyer. Save up to $1.25 a gallon at Fred Meyer Fuel Centers3 for ONE YEAR when you redeem up to 1000 Fuel Points and you scan and pay with your new Fred Meyer Rewards® World Mastercard . It's two cards in one - Rewards Card and MasterCard.

Furniture Row Credit Card

Furniture Row Credit Card is the credit card of shopping provided by Furniture Row Company to help customers. At Furniture Row, your shopping experience is as pleasant as possible, including offering a variety of payment and financing options to meet your specific needs. Whether you want to buy furniture on a monthly basis or use our exclusive special financing concessions to defer payment, we can provide you with solutions. Designing your dream home and your favorite furniture and decorations should be as simple as one, two, three - that's why we are committed to ensuring affordable payment and financing options for our customers. You can even pay your bills through our website. Welcome home to enjoy carefree furniture shopping.

Gordmans Credit Card

With the Gordmans Credit Card, payback is a cinch. Cardholders are automatically enrolled in our all-new gRewards program with even more amazing perks, like double rewards points every day!

Guitar Center Credit Card

Anyone who has ever bought a guitar center knows that they are not just offering guitars! It's a musician's Mecca, a player's paradise. With the Gear Card of Guitar Center, you can increase your savings, get promotion financing, and return real cash to your pocket!

What is a store credit card?

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards offer in-store discounts, allow cardholders to earn and redeem points when making purchases.

There are two basic types of retail store credit card:

  • Open-loop cards: These cards with a Visa, MasterCard or American Express logo in the bottom-right, can be used anywhere.

  • Closed-loop cards: These cards without a Visa, MasterCard or American Express logo only can be used at their co-branded stores, online stores or affiliates.

For example, there are three types of Best buy credit cards, My Best Buy Credit Card, My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card. My Best Buy Credit Card is a closed-loop card, so you can only use it at Best Buy. My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card are open-loop cards, you can use them anywhere that Visa is accepted.


What are the benefits of store credit cards?

Easy to get and can help you to build credit

Because of store credit cards’ high interest rates and low credit limits, they are easy to get with fair or poor credit. If you can use it responsibly, this is an opportunity to build up your score.

A reasonable annual fee

Many great store rewards cards don’t have an annual fee.

Save money at your favorite stores

Store rewards cards have different rewards programs which are great ways to save money, especially you are a frequent customer of that shop. For example, My Best Buy Credit Card offers as much as 5% cash back.

Additional sign-up bonuses and benefits

Many store reward cards attract new customers with a sign-up bonus. What’s more, some store reward cards offer extra benefits, such as discounts, free shipping, a birthday gift and extended return policies.

Open-loop cards can be used anywhere as normal credit cards.

What are the drawbacks of a store credit card?

Low credit limits

This means that you have the risk of going over your credit limits.

High interest rates

Most store credit cards’ interest rates are higher than the industry average (17%).

Closed-loop cards are limited to single store

Many store credit cards can only be used at their store or online shop. But some store credit cards can be used anywhere like normal credit cards, such as Amazon Prime Rewards Visa Signature Credit Card.

Customer service problems

Some store credit cards are not issued by major cards issuers, so the quality of customer service is difficult to guarantee.

Some store credit cards can’t be used for balance transfers

What do you need to apply for a store credit card?

Credit score

Banks approve much lower credit scores for store cards. Therefore, applying a store card is an ideal way for someone with a fair or poor credit score to rebuild his or her credit.

Credit card application

You can apply for a store credit card online, in-store or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

How to use a store credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Take advantage of sign-up bonuses

Many reward credit cards provide sign-up bonuses, please remember to take advantage of sign-up bonuses before they expire.

Maximize your rewards

Reward credit cards offer many ways to help you to save money on everyday items and big-ticket purchases. Keep an eye out for earning double or triple rewards opportunities. In addition, you need to know when your reward points will expire.

Use two store rewards credit cards

Business credit cards can earn points when shopping in specific stores or buying a certain type of merchandise. So it is a good idea to apply for store credit cards according to your shopping habits to get more rewards. For example, if you are a Walmart regular for daily necessities, and you also need to fuel the car, you can prepare one Walmart credit card and one gas rewards card. But we don’t recommend you to take out too many cards at once, because each credit card application may make your credit score lower. So it’s best to add credit cards slowly and allow your credit to build over time.

Plan and budget

It is easy to become impulsive in getting rewards. Don’t spend more than your budget. Earning rewards is not a valid reason to go over your budget.

Pay your bill in full on time

Many store rewards credit cards provide rewards program, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

About creditcardtw

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why creditcardtw born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.

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