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)

Menards BIG Credit Card

Large or small, bring your projects to life with the Menards BIG Card. Enjoy BIG rewards on everyday purchases. Despite the retailer’s catchy jingle, even the biggest home improvement enthusiasts are unlikely to save big money with the Menards BIG credit card.

Big Lots Credit Card

Big Lots Credit Card is a credit card provided by Big Lots for customers to help shopping. Big Lots, founded in 1967, is an American retail company headquartered in Columbus, Ohio, with more than 1,400 stores in 47 states. Mainly engaged in food and beverage, toys, furniture, clothing, household goods, small electronic products. Big Lots Credit Card is more suitable for Big Lots’ loyal shoppers, providing customers with a good shopping experience, bringing more shopping discounts. So if you like shopping, you can learn some ways to save money.

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Toys R Us Credit Card

Toys R Us Credit Card is designed for frequent users of Toys R Us. Toy R Us, a retailer founded in April 1948, is an international toy, clothing sales, video game development and baby product sales retailer, headquartered in Wayne, New Jersey. Toy R Us Credit Card aims to make shopping more convenient and safe for consumers, while allowing them to enjoy preferential activities and preferential business discounts.There are two kinds of toy cards. One is to reward the "R Us" card, which is a store card that accepts Toys R Us stores. Another is the "R" American Card. Toys R Us Credit Card is acceptable anywhere in MasterCard. These cards earn points in the retailer's "R" U.S. program. The score is 4 cents and is rewarded in the form of "R" dollars. Those who like to shop at a variety of retailers and want to save money on regular shopping, and those who try to learn how to maximize their rewards, will benefit from Toy R Us credit cards.

American Eagle Outfitters Credit Cards / AEO Credit Cards

For those who shop frequently at American Eagle Outfitters this is a great card, as you can quickly build up points for great savings. The AEO card has better benefits and more rewards than other merchant-issued cards. For AEO shoppers, the eventual savings should more than cover the interest paid. The Extra Savings Points never expire. The yearly birthday coupon can be used whenever you wish, even months later. Even a person who doesn’t frequently shop at American Eagle might want the card just for a major clothing purchase – such as holiday shopping or purchasing new school clothes for a child. The 15% initial discount alone could save $45 on a $300 purchase.

Sam's Club Credit Cards

Sam's Club Credit Card is designed for the common users of Sam Club. Sam Club is an American chain member retail warehouse club, owned and operated by Wal-Mart. The well-known user was founded in 1983 and named after Sam Walton, the founder of Wal-Mart. By 2012, the Sam Club Chain has become the eighth largest retailer in the United States, serving 47 million American members worldwide.

Ulta Credit Card

ULTA Credit Card is designed for frequent users of ULTA. ULTA credit card is designed for common users of ULTA. ULTA Beauty Company was founded in 1990, headquartered in Bolingbrook, Illinois, is an American beauty chain company. ULTA beauty has cosmetics and skin care brands, men and women perfume and hair care products. Every shop has salons. ULTA beauty customers can choose from two credit cards: ULTA credit card and ULTA reward MasterCard.

Express NEXT Credit Card

EXPRESS NEXT is a customer loyalty program where enrolled Members can earn points and receive Rewards that can be used towards future purchases.

Lane Bryant Credit Card

Lane Bryant Credit Card is a credit card provided by Lane Bryant for customers to help shopping. Lane Bryant was founded in 1904. Lane Bryant, founded by a young widow, has long been a leading retailer of large-size women's wear, but the story of the brand goes beyond that. Rather, Lena Bryant, its founder, is actually a pioneer of plus-size women's wear and the first company to make commercial maternity wear. Today, Ryan Bryant offers everything from clothes and underwear to shoes and accessories at more than 700 U.S. retailers, well beyond simple sizes and maternity clothes.

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 Cards-Offer

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 Cards-Offer 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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