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)

New York And Company Credit Card

New York And Company Credit Card is a credit card provided by New York And Company for customers to help shopping. New York and Company were founded in 1918 and mainly deals in women's wear and accessories. New York And Company Credit Card are more suitable for New York And Company’s 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.

Torrid Credit Card

Torrid was founded in 2001, headquartered in California, USA. Torrid LLC is an American women's retail chain, formerly Hot Topic. Although it is still owned by Sycamore Partners, the owner of Hot Topic, its branch became Torrid, LLC in 2015. Women and teenage girls in stores offering scaled-up clothes and accessories started operating in April 2001 in the first location of the open Braya Shopping Center in Braya, California. By 2016, Torrid had more than 400 stores in 36 states. If you like shopping, you can see the benefits of this card.

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Forever 21 Credit Card

Forever 21 Credit Card is a credit card provided by Forever 21 for customers to help shopping. Forever 21 was founded in 1984, headquartered in Los Angeles, USA. Mainly engaged in men and women's clothing, beauty products, household goods, accessories. It is a fast fashion retailer in the United States. Forever 21 is famous for its fashionable products and low prices. Forever 21 Credit Card is more suitable for Forever 21’s 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.

Jetblue Credit Card

Jetblue Credit Card is designed for frequent users of Jetblue. Jetblue Credit Card is a Balance Transfer Credit Cards.

Avenue Credit Card

40% off one item when your card is approved. $10 Preferred Gold Reward Certificate with your new card.

BrylaneHome Credit Card

BrylaneHome Credit Card is the credit card of shopping provided by BrylaneHome Company to help customers. Brylane Home provides many home decorations, including bedding and bathroom supplies, furniture, windows, holiday supplies, outdoor goods, kitchen supplies, and other household items. Customers can choose a variety of options and decorate their houses according to their own wishes. The popular store has now launched its own credit card, called the BrylaneHome Credit Card. It is a partnership offered by Comenity Bank, which determines all eligibility conditions for the card. This store card offers many benefits and extra allowances. Let's look at some of them.

Buckle Credit Card

Buckle Credit Card is designed for frequent users of Buckle. The Buckle is an American fashion retailer that sells clothing, footwear, and accessories for men, women, and children. The company operates 465 stores in 44 states in the name of Buckle and The Buckle. For Buckle loyalty, Buckle Credit Card is a way to save money by getting rewards for Buckle shopping. It provides points for every dollar spent on Buckle physical stores or Buckle official website. However, the duration of these awards is very short, which means that you may need to visit Buckle regularly to make full use of your awards. Matching expiration points with high APRs may not be everyone's best choice for this reason.

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!

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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