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Best Store Credit Cards of 2021

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated September 29, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Whether you’re looking to pocket some cash back from Amazon purchases, get a discount at checkout on your next Target run or be rewarded for stocking up on a variety of goods from Costco, there’s a store credit card to fill that niche.

Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, here is a list of the best store credit cards on the market right now.

Best Store Credit Cards of 2021
Best for online shopping Amazon Prime Rewards Visa Signature Card
Best for Walmart shopping Capital One® Walmart Rewards® Card
Best for Target discount Target REDcard™ Credit Card
Best for Costco and fuel Costco Anywhere Visa® Card by Citi
Best for home improvement Lowe's Advantage Card
Best for department store shopping Kohl's Charge
Best for beauty supplies and cosmetics Ultamate Rewards® Credit Card

Best For Online shopping

Amazon Prime Rewards Visa Signature Card

Highlights
  • Only available to Amazon Prime members
  • Get a $100 Amazon Gift Card instantly upon approval.
  • 5% back at Amazon.com and Whole Foods Market
  • 2% back at restaurants, gas stations and drugstores
  • 1% back on all other purchases
  • No foreign transaction fees

Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases..

Plus, get a $200 Amazon Gift Card instantly upon approval.

For a card with a $0 annual fee, this card offers generous cash back.

 

If you already have an Amazon Prime membership, applying for this card is a no-brainer. It offers a generous cashback rate on Amazon shopping, and allows rewards to be redeemed for cash back (as a statement credit or a deposit into an eligible checking or savings account), gift cards, shopping with points on Amazon, booking travel and sometimes for other products and services from third-party merchants.

However, if you don’t have an Amazon Prime membership, you’ll have to do the math on whether it’s worth signing up to be eligible for this card. The card itself has a $0 annual fee, but a Prime membership costs $119 annually — or, if you’re a college student, $59 annually. Spending $2,380 a year on purchases eligible for 5% cash back will recoup the annual membership fee, while spending $1,180 will recoup the student amount.

If your Prime membership expires, you’ll be downgraded to the Amazon Rewards Visa Signature Card , which earns 3% cash back on all your Amazon.com purchases, and 2% cash back at gas stations, restaurants, and drugstores (1% back elsewhere).

  • Visa Signature® Concierge Service
  • Travel accident insurance
  • Lost luggage reimbursement
  • Baggage delay insurance
  • Travel and emergency assistance
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Extended warranty protection
  • Purchase protection
  • Visa Signature® Luxury Hotel Collection

Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases..

Plus, get a $200 Amazon Gift Card instantly upon approval.

For a card with a $0 annual fee, this card offers generous cash back.

 

If you already have an Amazon Prime membership, applying for this card is a no-brainer. It offers a generous cashback rate on Amazon shopping, and allows rewards to be redeemed for cash back (as a statement credit or a deposit into an eligible checking or savings account), gift cards, shopping with points on Amazon, booking travel and sometimes for other products and services from third-party merchants.

However, if you don’t have an Amazon Prime membership, you’ll have to do the math on whether it’s worth signing up to be eligible for this card. The card itself has a $0 annual fee, but a Prime membership costs $119 annually — or, if you’re a college student, $59 annually. Spending $2,380 a year on purchases eligible for 5% cash back will recoup the annual membership fee, while spending $1,180 will recoup the student amount.

If your Prime membership expires, you’ll be downgraded to the Amazon Rewards Visa Signature Card , which earns 3% cash back on all your Amazon.com purchases, and 2% cash back at gas stations, restaurants, and drugstores (1% back elsewhere).

  • Visa Signature® Concierge Service
  • Travel accident insurance
  • Lost luggage reimbursement
  • Baggage delay insurance
  • Travel and emergency assistance
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Extended warranty protection
  • Purchase protection
  • Visa Signature® Luxury Hotel Collection
The information related to the Amazon Prime Rewards Visa Signature Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Walmart shopping

Capital One® Walmart Rewards® Card

Highlights
  • 5% back at Walmart.com
  • 2% back in Walmart stores, at restaurants and on travel
  • 1% back everywhere else Mastercard® is accepted
  • $0 annual fee
  • 17.99%, 23.24% or 26.99% variable APR

Earn 5% Cash Back At Walmart.com, including pickup and delivery. 2% Cash Back In Walmart stores, at restaurants and on travel. 1% Cash Back Everywhere else Mastercard® is accepted.

Plus, earn 5% cash back in Walmart stores for the first 12 months after approval when you use your Capital One® Walmart Rewards® Card with Walmart Pay – the quick and touch-free way to pay with your phone at Walmart.

If you do much of your shopping in the Walmart ecosystem, it’s hard to beat the cash back thecard earns, especially for an annual fee of $0. Rewards can be redeemed as statement credits, to cover purchases, for gift cards or for travel.

Getting the Capital One® Walmart Rewards® Card is a smart choice for consumers who shop frequently on Walmart.com and in the Walmart app. For the first year, it’s also an excellent choice for those shopping in-store and paying with Walmart Pay on their smartphones. However, after the first year, your in-store cashback rate will drop, meaning it’s best to shop online as much as you can instead.

  • Get security alerts via text, email, and phone about potential suspicious activity
  • Easily lock your card if you’ve misplaced or lost it

Earn 5% Cash Back At Walmart.com, including pickup and delivery. 2% Cash Back In Walmart stores, at restaurants and on travel. 1% Cash Back Everywhere else Mastercard® is accepted.

Plus, earn 5% cash back in Walmart stores for the first 12 months after approval when you use your Capital One® Walmart Rewards® Card with Walmart Pay – the quick and touch-free way to pay with your phone at Walmart.

If you do much of your shopping in the Walmart ecosystem, it’s hard to beat the cash back thecard earns, especially for an annual fee of $0. Rewards can be redeemed as statement credits, to cover purchases, for gift cards or for travel.

Getting the Capital One® Walmart Rewards® Card is a smart choice for consumers who shop frequently on Walmart.com and in the Walmart app. For the first year, it’s also an excellent choice for those shopping in-store and paying with Walmart Pay on their smartphones. However, after the first year, your in-store cashback rate will drop, meaning it’s best to shop online as much as you can instead.

  • Get security alerts via text, email, and phone about potential suspicious activity
  • Easily lock your card if you’ve misplaced or lost it
The information related to the Capital One® Walmart Rewards® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Target discount

Target REDcard™ Credit Card

Highlights
  • 5% discount at Target and Target.com
  • $0 annual fee
  • 22.90% variable APR

Cardholders get 5% off at Target. In store. Online. Every time. Whereas many other credit cards earn points or cash back that you must redeem at a later date, this card keeps it simple by giving the discount right when you check out.

In addition to the discount, cardholders get free shipping on most items ordered from Target.com and an extended return policy.

The Target REDcard™ Credit Card is ideal for consumers who shop regularly at Target and want to knock a little bit off the cost of each shopping trip. With a $0 annual fee, you’re saving money right from the start, at least as long as you don’t carry a balance and incur interest charges at a stiff APR of 22.90% variable.

There’s also a debit card version, the Target RedCard Debit Card, which also offers 5% discount on Target and Target.com purchases. The debit card works by linking your existing checking account, and also allows you to withdraw up to $40 in cash at checkout.

However, when using either of these cards, be aware there are a variety of items and services not eligible for the discount, including Target gift cards, eye exams, prescriptions and over-the-counter items located behind the pharmacy counter and clinic services.

  • Free standard shipping on most Target.com purchases
  • Free two-day shipping on eligible Target.com purchases
  • 30 additional days to return purchases (exclusions apply)
  • Offers for exclusive extras

Cardholders get 5% off at Target. In store. Online. Every time. Whereas many other credit cards earn points or cash back that you must redeem at a later date, this card keeps it simple by giving the discount right when you check out.

In addition to the discount, cardholders get free shipping on most items ordered from Target.com and an extended return policy.

The Target REDcard™ Credit Card is ideal for consumers who shop regularly at Target and want to knock a little bit off the cost of each shopping trip. With a $0 annual fee, you’re saving money right from the start, at least as long as you don’t carry a balance and incur interest charges at a stiff APR of 22.90% variable.

There’s also a debit card version, the Target RedCard Debit Card, which also offers 5% discount on Target and Target.com purchases. The debit card works by linking your existing checking account, and also allows you to withdraw up to $40 in cash at checkout.

However, when using either of these cards, be aware there are a variety of items and services not eligible for the discount, including Target gift cards, eye exams, prescriptions and over-the-counter items located behind the pharmacy counter and clinic services.

  • Free standard shipping on most Target.com purchases
  • Free two-day shipping on eligible Target.com purchases
  • 30 additional days to return purchases (exclusions apply)
  • Offers for exclusive extras
The information related to the Target REDcard™ Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Costco and fuel

Costco Anywhere Visa® Card by Citi

Highlights
  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.

This card has a generous rewards structure: Cardholders earn 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.

Be aware of the $7,000 spending cap on the higher earning rate for gas. After that, your rate drops down to 1% back for the remainder of the year. However, if you max that out, that’s can get you $280 in cash back earned at the higher rate.

Cash back earned with the Costco Anywhere Visa® Card by Citi will be issued as a reward certificate once a year after your February billing statement closes. This certificate can be redeemed for cash or merchandise at U.S. Costco warehouses.

If you’re the type who likes to fill up your gas tank and then pop into Costco to stock up on bulk goods (and perhaps pick up one of their famous rotisserie chickens while you’re at it), the Costco Anywhere Visa® Card by Citi probably belongs in your wallet. However, be aware that while the annual fee is $0, you do need a Costco membership to shop at Costco. Here’s how much the various Costco membership tiers cost:

  • Costco Gold Star membership: $60
  • Costco Gold Star Executive membership: $120
  • Costco Business membership: $60
  • Costco Business Executive membership: $120
  • Damage and theft purchase protection
  • Special access to purchase tickets for events with Citi Entertainment®

This card has a generous rewards structure: Cardholders earn 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.

Be aware of the $7,000 spending cap on the higher earning rate for gas. After that, your rate drops down to 1% back for the remainder of the year. However, if you max that out, that’s can get you $280 in cash back earned at the higher rate.

Cash back earned with the Costco Anywhere Visa® Card by Citi will be issued as a reward certificate once a year after your February billing statement closes. This certificate can be redeemed for cash or merchandise at U.S. Costco warehouses.

If you’re the type who likes to fill up your gas tank and then pop into Costco to stock up on bulk goods (and perhaps pick up one of their famous rotisserie chickens while you’re at it), the Costco Anywhere Visa® Card by Citi probably belongs in your wallet. However, be aware that while the annual fee is $0, you do need a Costco membership to shop at Costco. Here’s how much the various Costco membership tiers cost:

  • Costco Gold Star membership: $60
  • Costco Gold Star Executive membership: $120
  • Costco Business membership: $60
  • Costco Business Executive membership: $120

  • Damage and theft purchase protection
  • Special access to purchase tickets for events with Citi Entertainment®
The information related to the Costco Anywhere Visa® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Home improvement

Lowe's Advantage Card

Highlights
  • 5% off Lowe's purchases
  • $0 annual fee
  • 26.99% variable APR

Save 5% off your eligible purchase, or get 6 months special financing with purchases of $299 or more, or get 84 fixed monthly payments with a minimum purchase of $2,000 at 7.99% APR. Terms apply. Plus: Limited time only! One-time 20% off your Lowe’s Advantage Card purchase up to $100 discount when you open and use a new Lowe’s Advantage Card and make a purchase between 7/9/20 and 1/31/21.

Homeowners planning home improvement projects are likely to visit either Home Depot or Lowe’s for their supplies, and both home improvement stores offer a store-branded credit card. However, what sets the Lowe's Advantage Card apart from the The Home Depot Consumer Credit Card is that the former offers a discount on every purchase (except when you take advantage of special financing).

Do be aware that if you take advantage of a special financing period, you can’t get the 5% discount. Also know that financing on this card involves deferred interest, which means if you don’t pay off the purchase in full within the promotional period, you’ll be charged interest from the date of the purchase. With an APR of 26.99% variable, that’s likely to be expensive.

  • Check if you’re prequalified with no impact to your credit score

Save 5% off your eligible purchase, or get 6 months special financing with purchases of $299 or more, or get 84 fixed monthly payments with a minimum purchase of $2,000 at 7.99% APR. Terms apply. Plus: Limited time only! One-time 20% off your Lowe’s Advantage Card purchase up to $100 discount when you open and use a new Lowe’s Advantage Card and make a purchase between 7/9/20 and 1/31/21.

Homeowners planning home improvement projects are likely to visit either Home Depot or Lowe’s for their supplies, and both home improvement stores offer a store-branded credit card. However, what sets the Lowe's Advantage Card apart from the The Home Depot Consumer Credit Card is that the former offers a discount on every purchase (except when you take advantage of special financing).

Do be aware that if you take advantage of a special financing period, you can’t get the 5% discount. Also know that financing on this card involves deferred interest, which means if you don’t pay off the purchase in full within the promotional period, you’ll be charged interest from the date of the purchase. With an APR of 26.99% variable, that’s likely to be expensive.

  • Check if you’re prequalified with no impact to your credit score
The information related to the Lowe's Advantage Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Department store shopping

Kohl's Charge

Highlights
  • Your Kohl's Charge entitles you to at least 12 SPECIAL OFFERS every year.
  • Use your Kohl's Cash with your Kohl's Charge discounts.
  • Take an extra 30% off your first Kohl's charge purchase.
  • Get another 15% off discount when your card arrives in the mail.

Once approved, take an extra 35% off your first purchase in-store or online when you use your Kohl's Charge card. Plus, save even more by stacking that offer with Kohl’s Cash coupons and Yes2You Rewards.

In addition to the new cardmember offer, the Kohl's Charge offers regular promotions and coupons that can knock off anywhere from 15% to 30% of your Kohl’s purchases. If Kohl’s is your go-to department store, this credit card can help you save quite a bit.

But be aware that certain brands and types of merchandise aren’t eligible for discounts and coupons. For example, Levi’s and Timberland are among the excluded brands, and toys and beauty and fragrance are among the merchandise categories that are excluded.

Also make sure you don’t carry a balance on this card, because the APR is a hefty 24.99%.

  • Easily request a credit line increase online

Once approved, take an extra 35% off your first purchase in-store or online when you use your Kohl's Charge card. Plus, save even more by stacking that offer with Kohl’s Cash coupons and Yes2You Rewards.

In addition to the new cardmember offer, the Kohl's Charge offers regular promotions and coupons that can knock off anywhere from 15% to 30% of your Kohl’s purchases. If Kohl’s is your go-to department store, this credit card can help you save quite a bit.

But be aware that certain brands and types of merchandise aren’t eligible for discounts and coupons. For example, Levi’s and Timberland are among the excluded brands, and toys and beauty and fragrance are among the merchandise categories that are excluded.

Also make sure you don’t carry a balance on this card, because the APR is a hefty 24.99%.

  • Easily request a credit line increase online
The information related to the Kohl's Charge has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Beauty supplies and cosmetics

Ultamate Rewards® Credit Card

Highlights
  • 2 points for every $1 spent at Ulta Beauty
  • $0 annual fee
  • 25.99% variable APR

Get 20% savings on your first purchase at Ulta Beauty. And for ongoing rewards, earn 2 points for every $1 spent at Ulta Beauty.

You can redeem Ultamate rewards points when making a purchase online or by telling the cashier when checking out in the store how many points you want to use. You must follow predetermined increments which we’ll cover in the next section (you are able to combine increments).

When redeeming your rewards, you can choose whether you want to redeem all or just some of your points.

If Ulta is your usual stop for everything from foundation to moisturizing face masks, the Ultamate Rewards® Credit Card offers a chance for great savings. Ultamate rewards can only be redeemed for dollars off Ulta merchandise, but the redemption value (which varies depending on how many points you have) is quite good.

Here are the details:

Ultamate rewards points earned Dollars off merchandise
100 $3
250 $8
500 $17.50
750 $30
1,000 $50
2,000 $125

Do note that points will expire at the end of the quarter one year after the date on which they were earned. If you only shop at Ulta occasionally, a better choice would likely be a cashback or rewards card on which your cash back or points don’t expire.

  • As a member of the Ultamate Rewards® program, receive an email coupon for a birthday gift that can be redeemed at an Ulta store

Get 20% savings on your first purchase at Ulta Beauty. And for ongoing rewards, earn 2 points for every $1 spent at Ulta Beauty.

You can redeem Ultamate rewards points when making a purchase online or by telling the cashier when checking out in the store how many points you want to use. You must follow predetermined increments which we’ll cover in the next section (you are able to combine increments).

When redeeming your rewards, you can choose whether you want to redeem all or just some of your points.

If Ulta is your usual stop for everything from foundation to moisturizing face masks, the Ultamate Rewards® Credit Card offers a chance for great savings. Ultamate rewards can only be redeemed for dollars off Ulta merchandise, but the redemption value (which varies depending on how many points you have) is quite good.

Here are the details:

Ultamate rewards points earned Dollars off merchandise
100 $3
250 $8
500 $17.50
750 $30
1,000 $50
2,000 $125

Do note that points will expire at the end of the quarter one year after the date on which they were earned. If you only shop at Ulta occasionally, a better choice would likely be a cashback or rewards card on which your cash back or points don’t expire.

  • As a member of the Ultamate Rewards® program, receive an email coupon for a birthday gift that can be redeemed at an Ulta store
The information related to the Ultamate Rewards® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Alternatives to a store card

Disclosures |
Capital One® Quicksilver® Card
Capital One Quicksilver Cash Rewards Credit Card
on Capital One's secure site
0% intro on purchases for 15 months
14.99% - 24.99% (Variable)
$0
1.5% Cash Back on every purchase, every day
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Disclosures |
AvantCard Credit Card
AvantCard Credit Card
on Avant's secure site
N/A
24.99%* Variable APR
$59
Non-rewards card
  • Fast and easy application process
  • No deposit required
  • No hidden fees
  • No penalty APR
  • Report to all three major credit bureaus
  • Zero fraud liability for unauthorized charges
  • Avant branded credit products are issued by WebBank, member FDIC
  • Disclosure: If you are charged interest, the charge will be no less than $1.00
  • Late Fee up to $39
550 700

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

If you want a card that earns a flat rate on every purchase no matter where you make it, the Capital One Quicksilver Cash Rewards Credit Card is a good choice. Cardholders earn 1.5% cash back on every purchase, every day. This $0-annual-fee card also offers a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

If you’re considering a store card because you need to improve your credit score, a good card for building credit is the AvantCard Credit Card. It’s a no-frills card designed for people with fair/limited/bad/poor credit. While it charges a $59 annual fee and does not earn rewards, it does report your activity to the three major credit bureaus — Equifax, Experian and TransUnion.

Just make sure not to carry a balance, because the APR is 24.99%* variable apr. Also, before applying, be aware that the card is not available to consumers living in Colorado, Iowa, Vermont, West Virginia or Wisconsin.

FAQs about store credit cards

Store cards are typically easier to get approved for applicants with lower credit scores than general-use credit cards. However, this applies mainly to private-label store cards rather than co-branded cards. Know that your initial credit limit will most likely be low if your credit needs work.

Co-branded store cards are credit cards that display the logo for the credit card issuer (generally American Express, Mastercard or Visa), along with the store brand. These cards can be used anywhere the payment network is accepted — in contrast with private-label store cards, which can only be used at one brand or family of brands.

Many retail credit cards are issued by Synchrony or Comenity. But other issuers, such as Capital One, may also issue store cards.

Glen Luke Flanagan

Overview

Glen Luke Flanagan covers credit card news for LendingTree.com. He joined the team in June 2019. His work ranges from reviews of new cards to in-depth pieces on protecting your financial information, and his background is in journalism and government communications. 

Experience

As a journalist in North Carolina and South Carolina, Glen covered topics including city government, state government, local businesses, public safety and more. During his time at The State newspaper, Glen’s work appeared on the websites of newspapers across the United States owned by The McClatchy Company. His reporting at The News Herald and The State newspaper won awards from the North Carolina Press Association and the South Carolina Press Association, respectively.

Education

Glen earned his B.A. in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. After graduation, he participated in a Dow Jones News Fund training and internship. Out of more than 600 applicants, only 86 were accepted into the DJNF program that summer. He was later one of approximately two dozen fellows selected from journalists across the country to participate in the University of South Carolina’s 2016 Media Law School, which was sponsored by the American Board of Trial Advocates. This program gave fellows an intensive crash course in public records, bankruptcy law, podcasts and more.

Read More

The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.