Best Department Store Credit Cards List: Easy to Get With Bad Credit
U.S. Bank Cash+™ Visa Signature® Card
Credit Score Required:
Good to Excellent
The U.S. Bank Cash+™ Visa Signature® Card is a powerful financial tool. You can use this card to determine where you spend the most money each month and choose that category to earn additional cash back. It also has an intro offer of $150 after you spend $500 on eligible purchases within the first three months of opening the card.
What We Like
Quarterly choice for 5% cash back categories up to the first $2,000 you spend.
2% cash back in non-rotating categories
Discounts and access to special events and travel packages
American Express® Gold Card
Credit Score Required:
Good to Excellent
American Express is one of the most accepted credit cards around the world. The American Express® Gold Card is a classic credit card for classic customers. It offers 35,000 membership rewards points when you spend $2,000 on eligible purchases in the first 3 months, as well as the opportunity to get statement credits at your favorite restaurants. Some consider this one of the top credit cards with best travel rewards. Terms Apply.
What We Like
Reasonable Annual Fee of $250
3 times the Points on Flights booked directly with airlines or amextravel.com
35,000 points when you spend $2,000 on eligible purchases with your new card within the first three months
There are a lot of ways to spend your money at your favorite stores. However, sometimes the best way is by using a store credit card.
This article will cover everything you need to know about store credit cards. We’ll help you understand how they work. We’ll also go over the benefits of getting and using a store credit card. Finally, we’ve assembled a list of the 100 most popular store credit cards. The list of cards is complete with links to help you use the card and apply for it.
Use this information to make informed financial decisions about store credit cards. Take advantage of the wonderful benefits you can get from these credit products, boost your credit score, and buy the things you want and need!
Benefits of Store Credit Cards
There are several benefits to store credit cards, these include:
- Ability to Boost Credit Score
- Helps You Buy Things You Want + Need
- Can Help With Credit Repair
- Special Deals and Perks at Your Favorite Stores
- Can Help Build Credit for People with No Credit History
In-Store Benefits of Store Credit Cards
There are two major in-store benefits of store credit cards. First, sometimes there’s something you want or need, but don’t have the cash on hand to afford. A store credit card allows you to make these purchases. You can pay off the bill when you get paid or over time as you’re able. However, we always recommend paying off the balance as quickly as possible, as the interest rates for store cards tend to be much higher than you get for regular major credit cards.
The second in-store benefit of a store credit card is that you can get special deals on the purchases you make at the store. These deals might include a certain percentage off, the best credit card rewards programs, no-interest financing, and more. As a result, you can pay less for the things you need.
Credit Benefits of Store Credit Cards
There are also credit benefits for store credit cards. First, a store credit card is usually easier to get than a major credit card. That means it can be a great way to help repair your credit after you’ve had some problems. You might even see an immediate increase in your score because the credit limit on your store account is added to your revolving credit limit.
That’s important, as credit utilization is a large part of your credit score. Decreasing your utilization by increasing your credit limit is a great way to boost your score.
Second, store credit cards can help you build a credit history if you don’t have one. In fact this may be one of the best credit cards to build credit. Store credit cards are managed by banks. The banks will report your payments to the major credit reporting agencies. That means you can start to establish a credit history so that you can get more advanced credit and loan products.
Understanding Store Credit Cards
Store credit cards work just like a regular credit card. The only difference is that most store credit cards are limited to use at that specific store. This is the modern version of an in-store credit account or layaway. You can buy the things you want and need now and pay the bill over time or when you get paid.
Store credit cards do lots of other things that credit cards do. They are reported to the major credit reporting agencies. They also offer unique rewards and benefits for cardholders. That means a store credit card can be appealing to a wide range of consumers.
However, like any credit card, you need to be sure you can handle the responsibility of payments. Missing payments on your store card will hurt you just like missing payments on a major credit card. You’ll have to pay a late fee. You’ll also see a hit on your credit report.
Big List of Store Credit Cards
We’ve assembled the best store credit cards for you here. We’ve listed 100 different store cards on offer. You can go through this list and find your favorite stores. That way you’ll be able to take advantage of all of the benefits that a store credit card can give you.
We’ll tell you a bit about each store. We’ll also mention some of the key facts about each store credit card. This will help you understand the benefits and obligations that each account comes with. Use this information to find the best store credit card for you!
Select a Store
Select a Store
Walmart Credit Card
Walmart is one of the most popular stores in the world. It offers nearly everything you could ever want, from clothes and furniture to groceries and home goods. Therefore, it’s no surprise that the Walmart store card is one of the most popular out there.
The Walmart store card has a regular APR of 24.65% variable pegged to the Prime rate. There’s no annual fee and you get a $25 rewards discount when you use it. You also get 1-3% cash back on your Walmart purchases. You need a minimum fair credit rating to qualify for this card.
Best Buy Credit Card
Best Buy is one of the largest electronics and home appliance retailers in the country. They offer TV’s, sound systems, video games, washers, dryers, fridges, and more. Many of these items are large purchases, so lots of people look to the Best Buy card to help them finance the things they buy from the store.
Best Buy’s store card offers an introductory purchase APR of 0%-11.9% for the first 6-48 months. Their regular APR is a variable 27.24%. There’s no annual fee. You get a rewards rate of 2.5 points for every dollar spent. You also get 10% back in rewards as a rewards bonus. You’ll need a credit score in the fair range to qualify for this card. That makes it an option for people looking to build or rebuild their credit history. It’s also a good option for people looking to make a series of large purchases to improve or renovate their home with new appliances and electronics.
Victoria’s Secret Credit Card
Victoria’s Secret is one of the most popular retailers in the world for women’s clothing and intimates. They also offer their own line of bath and beauty products. You can find a Victoria’s Secret store in almost any city, making it a popular choice for a store card.
Victoria’s Secret’s Angel card gets you 1 point for every $1 you spend at the store. The points expire 12 months after they’re earned. You get $10 for every 250 points you accumulate. You also get triple points on every bra purchase you make. The APR is fairly low at 25.99%.
- Victoria’s Secret Credit Card Login
- Victoria’s Secret Credit Card Payment
- Apply for Victoria’s Secret Credit Card
Old Navy Credit Card
Old Navy is one of the country’s best-known clothing retail shops. They sell clothing for everyone, adults, and children, men and women. Their store card is also popular, especially amongst people doing back-to-school clothes shopping.
Old Navy is in the Gap family brands, so you can use the card at any of their stores. You get 5 points per dollar spent at Gap family stores. You also get 20% off of your first purchase and access to special events, discounts, and promotions. Cardholders also get bonus point shopping days. The APR is variable 26.49% and there’s no annual fee.
Lowes Credit Card
Lowes is where people go when they’re doing home improvement. Whether it’s simple yard decorations or a complete home renovation, Lowes offers all of the supplies you’ll need. They have locations across the country in most major cities.
The Lowes store card has an APR of 26.99% and offers up to 5% in cash back savings. You’ll also get access to special financing plans if your purchase is at least $299. You can get 6 months of 0% APR, or 3.99% for 36 months, 5.99% for 60 months, or 7.99% for 84 months. You also get $30 off your first in-store purchase on the card. You should have a credit score of at least 620 for this card.
JC Penney Credit Card
JC Penney is one of the country’s oldest department store chains. They’re located across the country and offer everything from clothes to home appliances. This makes a JC Penney card incredibly useful for all types of people.
JC Penny gives you 1 point for every $1 you spend on your card. You also get an extra 15% off on your first purchase with your card. Some locations also offer 5% off of major appliances. Additionally, you get added benefits the more you spend. $500 or more will get you gold status, and $1,000 or more will get you platinum status. These statuses come with special coupons and bonus points. The card has an APR of 26.99%.
Amazon Credit Card
Amazon is a household name world-wide. They sell everything you could ever want online. They also offer streaming video and other entertainment options through their Amazon Prime service. You can use an Amazon store card to purchase anything on the site.
The Amazon store card offers you a 0% APR for the first 6-24 months. After that they have a variable APR of 27.74%. There’s no annual and you’ll get up to 5% cash back on your purchases. It also comes with a $10 Amazon gift card when you get approved. The card requires a fair credit rating to qualify. Check out other credit cards for fair credit here.
Home Depot Credit Card
Home Depot is a great place to go for all of your home renovation and construction needs. They’ll sell you anything, including the kitchen sink. This makes their store card an incredibly popular choice for many people.
The Home Depot store credit card has an intro APR of 0% for 6-24 months, depending on your credit score and promotions. The regular APR ranges from 17.99% to 26.99%. There’s no annual fee with this card, but they also don’t offer any kind of rewards program.
Kohls Credit Card
Kohls is one of the nation’s biggest clothing retail stores. They always keep the latest styles stocked. Many stores also offer a home goods section. As a result, it’s easy to see why their store card is so popular.
The Kohl’s credit card doesn’t offer any purchase intro APR, and the regular APR is 26.99% variable. There’s no annual fee with this card and you get periodic rewards discounts. You also get a 30% + 15% discount when you make your first purchase. It’s a good card for people with a fair credit score.
TJ Maxx Credit Card
TJ Maxx is a popular discount fashion store. They care brand name clothing at affordable prices. They sell clothes for men, women, and children of all ages.
TJ Maxx has one of the most generous rewards programs on the market. You get 5x rewards for every $1 you spend at TJ Maxx or its sister brands. However, the APR of 27.99% is a bit high. The card doesn’t have any annual fees.
Sears Credit Card
Sears is one of the best-known department stores in the world. They sell everything from clothing to appliances to sporting goods. They’re a favorite shopping destination in malls across America. Sears is also one of the most common store credit cards for people to have.
The Sears card has an initial APR of 0% for 6-18 months, depending on your credit and promotions at the time. After that the regular APR is a 27.24% variable rate. There’s no annual fee but there’s also no rewards system with this card. It’s a good option for people looking to start building their credit history, and it requires fair credit to get.
Macy’s Credit Card
Macy’s is a department store that has more to offer than an annual Thanksgiving Day parade. They also sell clothing, home goods, and more. A Macy’s store credit card is often one of the best first time credit card accounts that many people get.
The Macy’s store card has a regular APR of 27.24%. There’s no annual fee and you get from 0-5 rewards points per $1 spent. You also get a rewards bonus of a 20% discount. The Macy’s card requires a fair credit score for approval.
Target Credit Card
Target is a well-known big box retailer. They have locations in towns across the world, from major cities to small villages. Target offers a wide range of goods. All of their stores have clothing, electronics, toys, sporting goods, and home goods. Many of their stores also sell groceries.
The Target card has an APR of 24.65% variable. It’s a good option for people with less than good credit, you can generally get approved with a credit score of 580 or higher. You can get up to 25 days of interest free on your purchases and there’s no annual fee for the card.
Gap Credit Card
The Gap is one of America’s favorite fashion retail stores. They’re in nearly every mall. They make clothes for men and women. They also have kids clothing and baby clothing stores. You can use their store card at any Gap location.
The Gap card can be used at any of the Gap family brand stores, which includes the Gap, Baby Gap, Banana Republic, and more. You earn 5 points per dollar spent at these stores and 20% off your first purchase. You also get an extra 10% off every time you shop at the Gap or Gap Factory stores The card doesn’t have an annual fee and charges a 26.74% variable rate APR.
Banana Republic Credit Card
Banana Republic is one of the top-of-the-line fashion retailers in America. They’re found at finer malls across the country. They sell a wide range of clothing for work and fun for both men and women.
You can use the Banana Republic card at any of the Gap family stores. You get 20% off of your first online purchase and have access to special events, discounts, and promotions. They also offer receipt-free returns and double point shopping days. There’s no annual fee and the APR is 26.74% variable.
- Banana Republic Credit Card Login
- Banana Republic Credit Card Payment
- Apply for Banana Republic Credit Card
American Eagle Credit Card
American Eagle is one of America’s favorite fashion brands. They’re known for selling durable but stylish clothes in malls and stand-alone stores all over the country. They sell men’s and women’s fashions in a style everyone can enjoy.
American Eagle gives you 20% off of your first purchase when you get their card. You also get free standard shipping and earn 15 points per $1 spent. There’s lots of other great deals too, like buy 5 jeans, get 1 free and a personal shopping day coupon. They also offer a $0 fraud liability service.
- American Eagle Credit Card Login
- American Eagle Credit Card Payment
- Apply for American Eagle Credit Card
Sam’s Club Credit Card
Sam’s Club is the original bulk-purchase retailer. They sell anything you can imagine at discount prices. That includes TV’s, home goods, electronics, clothes, and groceries. They’re one of America’s favorite places to buy in bulk and get a discount.
The card at Sam’s Club doesn’t offer any special rewards programs or perks. You can use it to make purchases at both Sam’s Club and at Walmart. However, the card does have one of the Best APRs of store credit cards at 22.90%.
Lane Bryant Credit Card
Lane Bryant is a premier retailer for women’s fashion. Their catalogue includes clothing items for work, a night out, or just hanging around the house. You can find them at most malls across the country.
The Lane Bryant store card has a rewards system for cash back on purchases and also offers cardholders extender returns. However, it has one of the highest APR’s for a store card at 28.24%, so it’s likely only worth it if you’re a regular Lane Bryant shopper.
New York and Company Credit Card
New York and Co is a women’s fashion retailer best known for their wear-to-work line of clothing. The company specializes in comfortable and fashionable work clothing for all types of women.
New York & Co’s store card has an APR of 27.24%, which is higher than most of the other store cards on the market. They do offer a rewards system and a special birthday offer each year. However, you must have made a purchase on the card to get the birthday reward. You also get a $10 reward for spending $200.
- New York and Company Credit Card Login
- New York and Company Credit Card Payment
- Apply for New York and Company Credit Card
Firestone Credit Card
Firestone is one of America’s premier tire and auto parts retailers. They have locations in every state and offer a huge range of tires, auto parts, and auto services for all manner of cars and drivers.
There’s no reward program for the Firestone card. You can get deferred interest if you pay in full within 6 months. This requires a minimum purchase of $149. The regular APR is 28.8% and there’s a minimum finance charge of $2.00.
GameStop Credit Card
GameStop is where America goes to get their entertainment. They sell computer and console video games. They also sell peripheral items and game merchandise.
The GameStop PowerUp card has an APR of 27.99%. You get a signup bonus of 15,000 rewards points, which means a savings of $15 on your purchase. Check out the best credit card bonuses. The card comes with an APR of 27.99% and doesn’t have an annual fee. The rewards points on this card don’t have a very high point/value ratio. That means you’ll need to spend a lot of money in order to qualify for the best rewards. That makes this card appealing to very few customers.
Belk Credit Card
The Belk Card has three different levels of benefits depending how much you spend there each year. If you spend up to $599 you get 3% rewards. Spend from $600 to $1,499 each year to get 4% in rewards points. If you spend more than $1,500 each year you’ll get 5% back on eligible purchases. The card has an APR of 25.49% and doesn’t have any annual fee.
Torrid Credit Card
Torrid is one of the few store cards that doesn’t offer any kind of rewards program. However, cardholders do get special discounted shopping days each year, which makes this a good option for the occasional Torrid Shopper. The APR is 26.24% and there’s no annual fee for the card.
Maurices Credit Card
Maurices store card offers and everyday discount of 10% to customers. Cardholders also get free shipping. The APR is a bit high at 27.99%. The card also offers a point system to increase your discount. There are double point weekends every month. You get a $10 birthday discount and you’ll also get invited to special events. Another great perk is that you get free shipping with no minimum required.
Costco Credit Card
Costco is a bulk item retailer. They have stores all over the country. The store offers everything you can imagine. From car parts to clothes, toys to groceries. This store sells everything you could want at a steep discount.
The Costco card requires an excellent credit rating to obtain, so it’s not the best choice for people trying to build or rebuild their credit history. The card has a regular APR of 17.24% variable. There’s no annual fee and you 1-4% cash back rewards.
Forever 21 Credit Card
The Forever 21 card gets you 15% off of your first purchase. You also get 3 points per $1 spent online and in the store. Unlike some other store cards, the rewards points you earn never expire. However, it takes 300 points in order to get a $5 rewards certificate. You’ll also get a $5 birthday certificate to spend on Forever 21 accessories and double points events throughout the course of the year. The APR for the card is 28.74% variable. It has a 25-day interest free period and no annual fee. You should have a credit score of 700 to 850 to get this card.
Buckle Credit Card
Buckle has reward points for every dollar that you spend at the store. However, unlike some stores, the reward points at Buckle can expire. That means you’ll need to pay close attention to them. There’s no annual fee and they have an APR of 26.24%.
Dillard’s Credit Card
Dillard’s in one of America’s most famous retail stores. They sell home goods and clothing for men, women, and children. They offer points for every dollar you spend. However, the rewards rate isn’t as good as some of the other store cards. The APR is 24.49% to 26.49% and there’s no annual fee.
Zales Credit Card
The Zales card isn’t a great store credit card. You get a 29.99% APR. You also get special financing on purchases. However, each special financing offer you use costs a $9.95 transaction fee. You also get deferred interest on the financing offers. You do get free coupons, and 10% off repair services. The special financing offer is deferred interest, so be sure to pay on time and pay your balance off before the promotion expires or you’ll face a steep hike in the balance you have on the card for the deferred interest charges.
Loft Credit Card
The Loft store card gets cardholders 5x points per dollar spent on loft purchases. They also offer monthly shopping discounts for cardholders. You’ll need a good or better credit score to qualify for this card. You can use it at LOFT, Ann Taylor, and their respective websites and outlet stores. The card gets you $15 off on your birthday plus an extra 15% off on the first Tuesday of every month. Even better, you can combine the 15% offer with other promotions and offers. There’s no annual fee for the card and it has an APR of 26.24%.
Pottery Barn Credit Card
Pottery Barn has what seems like one of the best rewards programs around. You get $25 back for every $250 you spend. However, the reward only applies to purchases of $250 or more. You do get 1 point for every $1 you spend at Pottery Barn, Pottery Barn Kids, or PBTeen store or online. There are also exclusive events and double rewards days over the year. You can qualify for this card with fair credit. The APR is also quite high, at 28.74%. You do get special financing on purchases of $750 or more, but the financing comes with deferred interest.
Meijer Credit Card
Meijer is a chain of supermarkets and gas stations located in the Midwest. Their card offers $10 in cash back for every $750 you spend at the stores, which is about 1.3%. It also offers exclusive savings events over the year. The real bonus on this card comes from using it at Meijer gas stations, where you get 10 cents off of every gallon. You can qualify for this card with fair or better credit. The card has an APR of 25.74% and doesn’t have an annual fee.
Goodyear Credit Card
The Goodyear credit card is an excellent option for people who need new tires. You get zero-interest financing on purchases of $250 or more. However, the card itself has an APR of 29.99%, which means there’s probably a better option for your automotive needs.
J Crew Credit Card
J Crew is one of the best-known clothing retailers in the country. Their store card offers rewards points on purchases and allows cardholders to get free standard shipping. You’ll get 1 point for every dollar you spend on the card. You get a $10 rewards card for every $200 you spend, which works out to 2% back. J Crew also offers a birthday surprise and free standard alterations on any in-store purchase. Fair or better credit will qualify you for this card. There’s no annual fee for this card and it has an APR of 26.49%.
Overstock Credit Card
The Overstock card comes with a 10% discount off your first purchase of up to $5,000. The APR is quite high at 28.74% variable APR. You’ll also need an excellent credit score of 700 to 850 in order to qualify for this card. You can also defer interest on purchases up of to $3,000 for up to 7 years.
HSN Credit Card
The HSN store card gives you special financing options on purchase of $399 and up. However, there are limits to what purchases can qualify for the financing. Be wary though, the financing offers have deferred interest, so if you don’t pay off the whole balance before the financing period ends you’ll be stuck paying the total interest amount from the purchase date. It also has an extremely high APR of 28.46%.
Wayfair Credit Card
The Wayfair card has a 28.49% variable APR. You get $40 off your first order of $250 or more. It also allows you to get special financing deals. 6-month financing for purchases of $250 or more, 12 months on purchases of $500 or more, and 18 months for $1,500 or more.
Ashley Furniture Credit Card
Ashley Furniture offers a flexible range of special financing options. You get 0% introductory APR, but after that it goes up to 29.99%. The special financing options range from 6 to 36 months. However, the special financing option comes with deferred interest, so be sure to make your payments on time.
- Ashley Furniture Credit Card Login
- Ashley Furniture Credit Card Payment
- Apply for Ashley Furniture Credit Card
Rooms to Go Credit Card
There’s no annual fee on the Rooms to Go card, and it has an APR of 27.74%. You also get a 180-day deferred interest period on all purchases. Additionally, purchases made with the card don’t require a down payment, so you can outfit your house with new furniture for nothing upfront.
BJs Credit Card
The BJs card has a regular APR of 16.74% to 26.74% variable. You’ll get 3% back on in-store and BJs.com purchases. You’ll also save 10 cents per gallon at BJs gas stations. However, you’ll need good to excellent credit to qualify for the card.
David’s Bridal Credit Card
David’s Bridal cardholders get special financing offers in addition to their store card. The terms of the financing depend on your credit score and how much you’re spending at the shop. The card has an APR of 28.49% and no annual fee. This card doesn’t offer any kind of rewards program, but that’s not a big deal as you probably (hopefully) won’t be bridal shopping too often. Make sure you pay attention to the details because the special financing usually comes as deferred interest. That means missing a payment or failing to pay the balance by the time the promotional period ends can result in a huge unexpected interest charge.
- David’s Bridal Credit Card Login
- David’s Bridal Credit Card Payment
- Apply for David’s Bridal Credit Card
Bealls Credit Card
The Bealls card has some great rewards. You get a $5 coupon for every 200 points you redeem. You earn 2 points for every $1 you spend at the store. The Bealls Outlet card gives you 15% off your whole purchase one day every week. If you spend $500 or more per year you can get Gold status, which nets you free standard shipping. The card has an APR of 26.24%.
Dick’s Sporting Goods Credit Card
The best feature of the Dick’s Sporting good card is that you earn two points per dollar spent in-store. Rewards are worth 6.66% of the amount spent, which is higher than the typical 5% or less you get from a store card. You also get 10% back on your first purchase with the card. The interest rate is 23.74% variable APR and there’s no annual fee.
- Dick’s Sporting Goods Credit Card Login
- Dick’s Sporting Goods Credit Card Payment
- Apply for Dick’s Sporting Goods Credit Card in-store only
Pier One Credit Card
The Pier One card has a variable APR of 28.74%. You can get 12 month interest free financing, but you’ll need to make a purchase of $750 or more. However, the special financing means deferred interest, so be sure to pay off the balance in full or you’ll get hit with all of the interest charges from the whole purchase at once.
Nordstrom Credit Card
The Nordstrom card offers double points for every $1 spent for qualifying purchases. You get rewards in 4 levels. Level 1 rewards customer spend up to $1,999 per year, level 2 customers spend $2,000 to $4,999 every year. Level 3 goes from $5,000 to $9,999 and level 4 customer spend $10,000 or more each year. You also get a $40 bonus when you spend $100 or more the day you’re approved. The card also nets double points when you shop online at Nordstrom, Nordstrom Rack, HauteLook, and Trunk Club. You’ll need good or better credit to qualify for the card. The card doesn’t have an annual fee and has an APR of 23.90%.
Cabela’s Credit Card
The Cabela’s credit card has a regular APR of 16.99% to 25.99% variable. You get $25 worth of club points when you get approved. You also earn 2 points on all Cabela’s and Bass Pro Shop purchases. There’s no annual fee and you’ll need at least a good credit score to qualify.
Big Lots Credit Card
Big Lots is one of the few credit cards that doesn’t offer any kind of rewards system. The regular APR is steep at 29.99% variable. However, you can get 0% interest for 6-12 months on your first purchase. One good thing is that you’ll only need fair credit to qualify for the card.
Kay Jewelers Credit Card
The best feature of the Kay Jewelers card is the promotional financing that it offers. You can get 0% APR for 12 months. However, you’ll need to spend $500 or more to qualify and put 20% as a down payment. After that the APR is 27.74%. Kay Jewelers doesn’t offer a rewards program. You’ll also want to be careful, and the promotional financing comes in the form of deferred interest. That means you get hit with all the interest charges from your initial time of purchase if you miss a payment or fail to pay the balance off by the end of the promotional period.
Carson’s Credit Card
The Carson’s card has an APR of 24.99% variable. There’s no annual fee and you get a $20 reward coupon when you sign up. You can get the $20 reward every month you spend $200 or more at the store.
Boscov’s Credit Card
The Boscov’s card has an escalating rewards system. People who spend enough annually will get access to even higher rewards rates. You can earn up to 4% back on Boscov’s purchases. New cardholders will also get 15% off of an online order. However, you need to make sure to use any certificates you get quickly, as they expire in 30 days. That means this card isn’t quite as good as some of the other store cards we’ve looked at. The card doesn’t have any annual fee and comes with an APR of 27.24%.
Dressbarn Credit Card
Dressbarn offers a great variety of rewards with their store card. You’ll get 10% off your first purchase and 20% off any regular priced item on your first billing statement. Moreover, you get an ongoing 20% discount throughout the year. They’ll also send you email offers of 25% off and a special Birthday bonus. You’ll need fair or better credit to qualify for this card. However, the APR is 28.94%, which means it’s a bit high.
Bloomingdale’s Credit Card
The Bloomingdale’s card is a great option if you spend more than $3,500 at the store every year. However, 75% of your reward points will expire on December 31st of each year. Also, the card has a very low points to value rate compared to other department stores. The APR is 24.5% and there’s no annual fee.
- Bloomingdale’s Credit Card Login
- Bloomingdale’s Credit Card Payment
- Apply for Bloomingdale’s Credit Card
Neiman Marcus Credit Card
The Neiman Marcus card will get you 5,000 InCircle points when you make your first purchase. That gets you 50% of the way to earning a $100 point reward gift card. There’s no annual fee for the card and you get free gift packaging both in the store and for online purchases. If you spend more than $1,000 every year you get free 2-day shipping. It has a variable APR of 25.46%.
- Neiman Marcus Credit Card Login
- Neiman Marcus Credit Card Payment
- Apply for Neiman Marcus Credit Card
QVC Credit Card
The QVC card has a 0% interest rate for 9018 months upon approval. After that the regular APR is 27.74%. You also get a $20 QVC gift card when you open the account and make a purchase. You also get QVC priority order line access, a free QVS studio tour, and other special offers. The card comes with a 25-day grace period, offering you plenty of time to pay off the balance.
Gordmans Credit Card
The Gordman’s card offers 2 Gordmans points per dollar spent. You also get 15% off of your first day’s purchase when you apply for the card. Gordmans also sends you a 20% off coupon on your birthday. There’s no annual fee. The APR is 24.99%
Lord and Taylor Credit Card
The Lord and Taylor card has a regular variable APR of 27.24%. You get 15% off your first days purchase with the company and $10 in rewards for every $200 spent, which comes to 5% cash back. That’s a pretty good deal for store cards. You also get members only events, receipt free returns, and a birthday bonus.
- Lord and Taylor Credit Card Login
- Lord and Taylor Credit Card Payment
- Apply for Lord and Taylor Credit Card
Goody’s Credit Card
The Goody’s card comes with a variable APR of 28.74% and 25 days interest free on purchases. The card offers a functional 5% cash back, giving you $5 for every $100 spent either online or in stores. You also get special discounts and deals, along with a birthday gift.
REI Credit Card
The REI card requires that you pay a $20 membership fee for REI. However, it is a lifetime membership. You’ll also get 10% back on most REI purchases, so the fee isn’t that bad. The APR for the card can range from 12.24% to 24.24% depending on your credit score.
Tractor Supply Credit Card
The Tractor Supply card gives you 15% off when you spend $15 or more. You also get a super low 3.99% Apr on purchases of $2499 or more. Moreover, there’s no interest when you pay in full on in-store purchases greater than $299. It has a regular APR of 25.99%.
- Tractor Supply Credit Card Login
- Tractor Supply Credit Card Payment
- Apply for Tractor Supply Credit Card
West Elm Credit Card
The West Elm credit card requires a fair credit score to get. You get a welcome bonus of $50 reward dollars. You also get a $25 reward bonus on your birthday. The company will send you double and bonus reward points opportunities. There’s 0% interest for the first 12 months and a regular APR of 28.74% variable.
Tires Plus Credit Card
You can use the Tires Plus credit card for any repairs or maintenance on your car. It doesn’t have an annual fee and gives you special monthly access to deals and coupons from Tires Plus. It also tracks your service history record. The card has an APR of 28.8% but you get deferred interest if you pay within 6 months on purchases of at least $149.
Talbots Credit Card
Talbots will give you 1 point per dollar you spend on the card. You also get 15% off your purchases the day of approval and a 15% off birthday bonus. The card’s point system functionally gives you $25 to spend at Talbots for every 500 points you get. There are special double points days throughout the year. It has a regular interest rate of 24.99%.
Ashley Stewart Credit Card
Ashley Stewart offers a generous 20% off on the first purchase you make with your card. You also get 20% off for your birthday. You get sneak peaks and advance notice of sales and special events along with credit card only discounts and promotions. The card has a regular APR of 26.74% variable and no annual fee.
- Ashley Stewart Credit Card Login
- Ashley Stewart Credit Card Payment
- Apply for Ashley Stewart Credit Card
Peebles Credit Card
Peebles gives you 2 points for every $1 you spend with your card. You also get a Christmas reward and birthday reward. The Regular APR is 28.74% and you get $5 payback for every 100 points you accumulate. This is a good credit card for poor credit scores.
IKEA Credit Card
The IKEA credit card gets you a 4.99% APR for 60 months on all purchases of $5,000 or more. There’s no annual fee and no pre-payment penalty for the card. The regular APR is 21.99%, which is lower than most store cards.
Saks Credit Card
The Saks Fifth Avenue store card requires fair credit to qualify. You’ll get a 10% discount on all purchases made the day you open the count. The Saks card has a tiered rewards system. Annual purchases up to $5,000 get you 2 points. Annual purchases from $5,000 to $10,000 get you 4 points, and purchases over $10,000 get you 6 points. The store also offers double and triple point shopping days. It has a regular APR of 25.74%.
Younkers Credit Card
The Younkers credit card has an interest rate from 21 to 24.99%. It’s a good card to get for people that don’t have a long credit history. It’s also good if you need to rebuild your credit. You get 1 point of reward for every dollar you spend at the store. The amount you spend annually will determine your tiered reward.
eBay Credit Card
The eBay card offers special financing that allows you to defer interest for 6, 12, or 18 months depending on the purchase. You also get points whenever you use the card to get something through PayPal. It has an interest rate of 21.74-25.74% and you’ll need above average credit to qualify.
Children’s Place Credit Card
The Children’s Place has a reward system called My Place Rewards. It offers 2 points for every $1 you spend at the store. You also get 30% off of your first purchase when you sign up, along with a 20% coupon that comes with the card. The card also gets you free shipping on online purchases. The APR is 27.24% with no annual fee.
- Children’s Place Credit Card Login
- Children’s Place Credit Card Payment
- Apply for Children’s Place Credit Card
Furniture Row Credit Card
The Furniture row card gives you access to specialty financing options. You can get 0% interest for 3 years on purchases of $1499 or more. There’s no down payment required. This card doesn’t offer any kind of rewards program, but you probably won’t be furniture shopping that often. The regular APR is 29.99%
- Furniture Row Credit Card Login
- Furniture Row Credit Card Payment
- Apply for Furniture Row Credit Card
Helzberg Credit Card
The Helzberg credit card offers an intro APR of 0-17.99% and a regular APR of 27.99%. It doesn’t offer any kind of rewards and the intro APR is deferred interest, so make sure you pay your balance in full before the promotional period if 6-60 months ends. You’ll need fair credit to qualify.
Crate and Barrel Credit Card
The Crate and Barrel card will get you $20 in rewards for every $200 you spend. That includes online and in stores. You get also get 12 months of special financing. You can use the card at Crate and Barrel, CB2, and The Land of Nod. There’s no annual fee and it has an APR of 27.24%.
- Crate and Barrel Credit Card Login
- Crate and Barrel Credit Card Payment
- Apply for Crate and Barrel Credit Card
Eddie Bauer Credit Card
The Eddie Bauer card gets you 10% off your first purchase when you use your card. You can also get an additional 2% in rewards if you join the Adventure Rewards program. Additionally, there’s a tiered reward system up to $500 will get you 5% in rewards. $500-$750 in purchases gets 7% rewards, and over $750 gets 9% in rewards. You also get free shipping on your orders. The APR on the card is 28.74% variable.
Brylane Home Credit Card
The BrylaneHome card will get you 2 points for every $1 you spend at any FULLBEAUTY brand store. You get a $10 rewards certificate for every 400 points you earn. You also get free shipping four times a year and no annual fee. The card has a regular APR of 28.74%. It also offers special birthday awards and promotional discounts.
Roamans Credit Card
The Romans card gets you exclusive cardholder benefits throughout the year. There’s no annual fee for this card and you get full fraud protection. You can use it at any of the FULLBEAUTY brand stores. You get a $10 reward certificate for every 400 points you accumulate, and you get 2 points for every $1 you spend at the store. You also get free shipping 4 times per year. The card’s regular APR is 28.74% with a minimum interest charge of $2.
J.Jll Credit Card
The J.Jill card offers one of the best birthday rewards of the store cards we’ve looked at – 20% off on the day of your choice during your birthday month. You’ll also be invited to special events and given early access. The card also gets you free gift packaging on all online orders and you get 5% off every purchase after your first, which you get at 15% off. The APR is 28.74% variable.
Menards Credit Card
The Menards Big Card gets you a 2% rebate on all your Menards purchases. You also get special 6 month financing on purchases over $299. However, this special financing is deferred interest, so make sure to pay your balance in full. You can also get 48-month 3.99% financing on purchases over $1,500. The regular APR is a variable 26.99%.
Abercrombie Credit Card
Abercrombie offers you 25% off your first purchase with the card. You’ll also get exclusive cardholder offers and a birthday surprise. There’s no annual fee and the regular APR is 25.99%. The card can be used at any sister-store, including Hollister. You’ll need fair to good credit to qualify for this store card.
hh gregg Credit Card
The hh Gregg card requires a fair credit rating to qualify. It doesn’t offer any kind of rewards program but it does offer deferred interest of 6, 12,18, or 24 months on purchases of $197, $797, $1,497, and $1,997 respectively. The regular APR is 29.99% variable. And your initial purchase will have 0% interest for 6-36 months.
Williams Sonoma Credit Card
Williams Sonoma will get you 5% back for every $1 you spend in the store. This is a one of the best cash back credit card offers from a store. The cash back comes in the form of a Williams Sonoma gift certificate. You’ll also get free standard shipping on all online orders and a $20 off welcome certificate. Williams Sonoma gives you a birthday benefit of a $25 certificate during your birthday month.
- Williams Sonoma Credit Card Login
- Williams Sonoma Credit Card Payment
- Apply for Williams Sonoma Credit Card
Value City Furniture Credit Card
The Value City Furniture card will get you 36 months of interest free financing when you pay in full on purchases of $999 or more. You’ll also get deferred interest for 12 months with no purchase minimum. You have to keep up with your minimum monthly payments in order to stay on the zero interest plan. The regular APR is 29.99%
- Value City Furniture Credit Card Login
- Value City Furniture Credit Card Payment
- Apply for Value City Furniture Credit Card
Stein Mart Credit Card
The Stein Mart card has some amazing perks and bonuses. You get reward points to use just like cash at Stein Mart locations. You also get a $10 certificate to use when you make your first purchase within 60 days of opening the account. You earn 1 reward point for ever $1 you spend at the store. You also get exclusive savings events and birthday surprises sent to your inbox.
Brooks Brothers Credit Card
The Brooks Brothers card will get you 15% off of all your purchases at the store. There’s no annual fee and you get 4 points for every dollar you spend at Brooks Brothers. You’ll also get a $20 annual birthday reward and exclusive cardholder events. The APR is 15.24%, 18.24%, of 22.24% Variable. You’ll need good to excellent credit to qualify for this card. You’ll also get advanced notice of sales and special events at the store.
- Brooks Brothers Credit Card Login
- Brooks Brothers Credit Card Payment
- Apply for Brooks Brothers Credit Card
The Room Place Credit Card
The Room Place card doesn’t offer any kind of rewards program, which is different from most of the store cards on offer. You do get special financing options based on your credit eligibility and promotions at the time of purchase. You’ll also get advanced notice of special offers and other preferred customer offers. The Regular APR is quite high at 29.99%, so be sure to pay off your balance within your promotional period as the interest is deferred.
- The Room Place Credit Card Login
- The Room Place Credit Card Payment
- Apply for The Room Place Credit Card
Art Van Credit Card
The Art Van Signature card offers some great long-term financing options. There’s no minimum purchase requirement and well-qualified buyers can get credit lines up to $250,000 to decorate their home. This card is part of Synchrony Bank’s home cards line, so you can use it at other home goods stores like value city and The Room Place. The APR is 29.99%
Guitar Center Credit Card
The biggest perk of the Guitar Center card is the special financing offers You get 0% interest for 36 months when you spend $499 or more on the card. Additionally, the card offers a 5% rewards program so you can use your savings to get more musical gear. If you don’t pay your balance off within the introductory period the interest rate will be 29.99% with a minimum interest charge of $2.00.
- Guitar Center Credit Card Login
- Guitar Center Credit Card Payment
- Apply for Guitar Center Credit Card
Jared Credit Card
The Jared card doesn’t offer a rewards program, but it does give you deferred interest on purchases. You’ll get 12 months of financing for a $1,000 purchase with 20% down required. A $5,000 purchase can get you 18 months of special financing with a 20% down payment. Unlike most other cards, you need to get prequalified for a Jared card before you can actually apply and receive your benefits. The interest rate is 17.00% to 26.99% and you can qualify with a poor credit rating.
Modell’s Credit Card
The Modell’s card gets you 1 MVP point for every dollar you spend at the store, and you get a $20 rewards certificate for every 400 points. You’ll also receive special discount coupons in your monthly billing statement, a special birthday coupon, and exclusive in-store events for cardholders.
BrandSmart Credit Card
BrandSmart is part of the Synchrony Home card line. You’ll get promotional financing to help with payments. However, be careful, as the promotional financing comes in the form of deferred interest. That means if you miss a payment or don’t pay off the balance in time you’ll be hit with the interest from the whole purchase from the time of purchase. The regular APR is 29.99% variable pegged to the Prime market rate.
newegg Credit Card
newegg gets you interest free financing on purchases of $199 to $500 for 6 months if paid in full. You’ll also get 12 months of interest free financing on purchases of $500 or more. There’s no reward program for the newegg card and the regular APR is 29.99%, making it one of the higher interest rates for store cards we’ve looked at.
Bass Pro Credit Card
The Bass Pro credit card lets you earn points that you can use on Bass Pro and Cabela’s purchases. Additionally, unlike some other rewards programs, the points don’t expire and there’s no minimum redemption as long as your account is in good standing. The card also offers special lower APRs for Bass Pro shop purchases and access to hunting and fishing trips around the world. Your APR will be based on your credit score.
Mattress Firm Credit Card
Mattress Firm’s credit card gives you 0% interest for 24 months with a minimum purchase of $999. You get 36 months of 0% interest for purchases over $1,300, 48 months on purchase more than $2,000, and 60 months on purchases of $2,800 or more. This card doesn’t have any kind of rewards program and the 0% interest offer is a deferred interest program. That means if you miss a payment or fail to pay the balance off before the promotional period ends you’ll get stuck with the interest for the full purchase. The regular interest rate is 29.99%.
- Mattress Firm Credit Card Login
- Mattress Firm Credit Card Payment
- Apply for Mattress Firm Credit Card
Raymour and Flanigan Credit Card
Raymour and Flanigan has some of the best 0 interest credit card offers. You can get 60 months on purchases of $6000 or more, 48 months on purchases of $4,800 or more, 36 months on purchases of $3,600 or more. You can also get deferred interested on purchases of $2,4000 for 18 months, 12 months of deferred interest on purchases of $1,200, and 6 months of deferred interest on purchases of $600. The regular APR is set at 29.99%.
- Raymour and Flanigan Credit Card Login
- Raymour and Flanigan Credit Card Payment
- Apply for Raymour and Flanigan Credit Card
Fry’s Credit Card
The Fry’s credit card requires fair or better credit to qualify. The card doesn’t come with any kind of rewards program. You’ll also get special financing offers based on your credit score. The special financing offers come in the form of deferred interest. The card has a 25 day grace period and has a regular APR of 28.74%.
Sheetz Credit Card
Sheetz offers you 5 points for every $1 you spend in the store. You also get 5 cents off of any gas you get from a Sheetz location. The card doesn’t have any introductory APR offers and the Regular APR for the card is 16.24% to 20.24% variable. There’s no annual fee and the card requires good or better credit to qualify.
Justice Credit Card
The Justice card is one of the worst store credit card offerings for retail clothing shops. You’ll need fair or better credit to qualify. There’s no rewards program and there’s no intro APR or special financing deals with the card. The regular APR is a variable 26.99% and is set according to the Prime market rate.
Bed Bath and Beyond Credit Card
The Bed Bath and Beyond credit card gets you 5% back in reward for every $1 you spend at Bed Bath and Beyond, buybuy Baby, Christmas Tree Shops, That! Cost Plus World Market, and Harmon Face values stores. You’ll also get a $25 off of a $100 purchase when you get your card and you’ll get a $10 rewards certificate for every $10 you earn on the card. It has an intro APR of 0% for 6-12 months and a regular APR of 15.74% to 25.74% variable. You’ll need a good or better credit score to qualify for this card.
- Bed Bath and Beyond Credit Card Login
- Bed Bath and Beyond Credit Card Payment
- Apply for Bed Bath and Beyond Credit Card
FullBeauty Credt Card
The FULLBEAUTY card is a great way to get rewards for every time you shop at one of the FULLBEAUTY brand stores. That means you can use it at more than one store, which makes it more flexible than many of the store cards on offer.
The FULLBEAUTY card gets you 2 points for every $1 you spend at any of the FULLBEAUTY brand stores. You get a $10 reward certificate for every $400 points you earn on the card. You can get double points when you order during your birthday month and free shipping 4 times a year. There’s no annual fee for this card and it comes with full fraud protection. The regular APR is 28.74% variable based on the Prime Rate.
LL Bean Credit Card
The LL Bean card will get you 15% off your first purchase when you use your card. You’ll get 4% back as Bean Bucks to use at LL Bean stores across the country. There’s no annual fee with this card. However, you’ll need good or excellent credit for approval. That means it’s not a good option for people looking to build or rebuild their credit history. It does offer free shipping and return shipping and free monograming. The APR for the card is variable and goes from 15.99% to 21.99% depending on your creditworthiness.
General Store Credit Card Questions
Before your get a store credit card, you need to understand what they are. This section answers all of your questions about what a store credit card is and how they work.
How Do Store Credit Cards Work?
Store credit cards work just like regular credit cards, except you can only use them at the issuing store. That way you can get the things you love on credit.
What is a Store Credit Card?
A store credit card is just a way of a store giving you a line of credit to use at their locations. You can use the card like a normal credit card at the store and make regular payments on it like a credit card.
What is a Department Store Credit Card?
A department store credit card is a type of store credit card. You use the store card at the store’s locations. Department store cards are helpful because you can buy so many different things at a department store.
What Stores Have Store Credit Cards?
Tons of stores have credit cards. Most stores with multiple locations offer some kind of credit account. This is especially true for national chains and department stores where you can make large purchases.
What is the Best Department Store Credit Card to Get?
The best department store card to get is the store that you shop at the most. You should pick a store that has multiple locations near where you live. That way you’ll have access to the most products with your card.
How Many Store Credit Cards is Too Many?
There’s no set limit on how many store cards is too many. Generally, as long as you zero out your balance and don’t apply for a new card too often, these cards won’t impact your credit in a negative way.
Why Get a Store Credit Card?
There are lots of reasons to get a store credit card. You can use them to buy the things you love and pay it off over time. You can also use it to make large purchases that you can’t afford up front. Finally, some people use them as a way to rebuild their credit. If you need supplies from a specific store for your business then read about how to get a business credit card instead.
What is the Difference Between a Major Credit Card and a Department Store Credit Card?
The biggest difference between a store credit card and a major credit card is that you can only use a store credit card at the store that issued it. Other than that, they’re very similar.
Applying for Store Credit Cards
Store credit cards can be a bit mysterious. After all, do you apply for them like a regular credit card, or is there some special process? This section answers all of your questions about applying for and getting a store credit card.
How Do I Apply for a Store Credit Card?
Usually you can apply for a store credit card at the store itself. However, many stores also have online applications so you can use your card immediately on your online purchase.
What is the Easiest Store Credit Card to Get?
It depends on lots of different factors. Every store credit card is backed by a bank. Each bank has its own qualifications for approval. You should check with individual stores in your area for more information.
How to Get Approved for Store Credit Cards?
Getting approved for a store credit card is just a matter of applying and meeting the qualifications. The qualifications for a store credit card are generally lower than a major credit card, so they’re easier to get.
How to Get a Store Credit Card?
You get a store credit card by applying with the store. You can also usually apply on their website. That will let you make purchases immediately if you’re approved.
What Department Store Credit Cards are Easy to Get?
Most department store credit cards are pretty easy to get. Department store cards have lower qualifications than major credit cards, so more people can get them.
What is the Best Store Credit Card to Apply For?
The best store cards to apply for are the stores that you use most often. You can also apply for a store card at a store where you plan on making a major purchase to spread your payments out over time.
What Retail Store Credit Card is Easiest to Get?
Every retail store has different qualifications for their cards. You’ll have to check with specific stores to see what their qualifications are. You can also find out what bank issues their cards and check with the bank.
What is the Easiest Clothing Store Credit Card to Get?
Department store cards are usually the easiest clothing shop cards to get. That’s because so many people can use a department store card, so they make the qualifications fairly low.
What Store Credit Card can I Apply for Online for Free and Get It Delivered?
Most stores that have a store credit card will allow you to apply for it online and start using it immediately. Also, unlike other credit products, most store cards don’t charge a fee for applications. Take a look at more credit card apply online options.
What Income Do I Put for a Store Credit Card?
You should put the same income that you put on your tax return for your store credit card. If you have other income that’s tax exempt, then you can add that to your income on your application.
What Store can I Apply for a Credit Card and Use Right Away?
Most stores allow you to apply for and use a credit card right away. Many of them will let you apply at the checkout register. They’ll run a quick credit check to see if you qualify, and if you do you can start using your card that day.
Store Credit Cards and Credit Scores
One of the biggest things people wonder about is how store credit cards interact with their credit. This section will answer all of your questions about credit scores and store credit cards.
What Store Credit Cards are Easy to Get with Bad Credit?
Most specialty store cards are easy to get with bad credit. That’s because you can’t use them other places, so the risk to the bank that backs the card is low.
What Credit Score is Needed for Store Cards?
Usually people need to have a score of at least 580 to get approved for a store credit card. However, people have reported getting a card with scores as low as 550. It depends on lots of different factors.
What Credit Score Do You Need for a Department Store Card?
Most department stores want to see a credit score of at least 580 to get approved for a store credit card. However, most people that apply have a credit score of at least 600. Some stores might have even higher requirements.
Why Do Store Cards Hurt Your Credit?
It depends. You’ll see a slight drop in your score from the initial inquiry. But as long as you pay off your balance each month, a store credit card can actually boost your credit score. It increases your overall credit limit and thus lowers your credit utilization.
Which Store Credit Cards Use Equifax only When You Apply?
Stores don’t report which credit reporting agency they use to check your credit when you apply for a store card. Neither do the banks that back the card. Most banks change up which reporting agency they use.
What Credit Score Do I Need for a Store Card?
To comfortably get a store card you should have a credit score of at least 660. However, you can get one with a score of 580 or higher. People have reported getting a card with a score even lower than that.
If You Have Good Credit How Much will a Store Credit Card Offer You?
That depends on a lot of other factors. Each store has its own limits on how much credit they’ll offer you. This is usually calculated based on the average cost of their goods. Check with a specific store for more information.
What Stores Approve Fair Credit for a Store Credit Card?
Almost every store will approve someone with fair credit for a store credit card. That’s because store credit cards aren’t as risky to the issuing bank as major credit cards.
How Much Does Opening a Store Credit Card Decrease Your Credit?
You might see a drop of a few points from the initial inquiry to open the account. However, as long as you pay your balance off each month, your score will actually increase. A store card increases your credit limit and will also contribute to your record of on-time payments.
How Long Does It take for a Store Credit Card Take to Appear on Your Credit Report?
Usually you’ll need to wait until their monthly reporting period. Every store reports at a different time each month. However, you’ll see it appear on your credit report within 30 days of getting the card.
How Much Does Cancelling a Store Credit Card Hurt Your Credit?
That depends on lots of different factors. Canceling your store card will lower your total credit limit, increasing your credit utilization. Depending on how long you’ve had the card it could also lower the average age of your accounts, which will also hurt your credit.
What Store Cards can I Get with a 577 Credit Score?
It might be somewhat hard to get a store card with a 577 credit score. However, major department stores, construction and home improvement stores, and major electronics stores are your best bet.
Which Store Credit Cards are Easiest to Get After Bankruptcy?
Bankruptcy can make it hard to get credit, even in the form of a store credit card. Home improvement stores and major department stores are your best bet for a store credit card after bankruptcy.
What Store Credit Cards can You qualify For with a Credit Score under 500?
It’s going to be very difficult to get any kind of credit card with a score under 500. You should try getting a secured credit card first to raise your credit score. After that you can try for store credit cards.
How Much can an in Store Credit Card Boost My Credit?
Credit scoring is a very complex issue. That means there’s no way to be sure how much your credit will go up from a store credit card. It will raise your overall credit limit, which lowers your credit utilization. Also, a record of on-time payments will boost your score as well.
How to Build Credit with a Store Credit Card?
You can build credit with a score credit card by making regular on-time payments can paying off the whole balance each month. That will keep your credit utilization low and will raise your score.
Store Credit Card Account Management
It can be confusing to manage a store credit card account. We’ve answered some of the most common questions about account management here.
How to Cancel a Store Credit Card?
You can cancel a store credit card by going to your account online. You can also talk to the customer service desk at the store. They should be able to help you.
How to Change Your Name on Store Credit Cards?
Every store has different procedures for things like this. Your best bet is to check your account online or check in with the customer service desk at the store.
What happens When You Forget to Pay Store Credit Card?
If you forget to pay your store credit card for more than 30 days then your credit score will take a hit. It will be recorded as a late payment. You’ll also have other fees and a higher balance next month.
How can I Get My Name off a Store Credit Card I Cosigned For?
It’s difficult to get your name off of a credit card you co-signed for. You’ll need to talk to the customer service desk at the store or call the issuing bank for more information about your specific situation.
What to Do When You Accidentally Get a Store Credit Card?
The best strategy when you accidentally get a store credit card is to simply not use it. Having the credit card itself won’t hurt you at all. If you want, you can cancel the account, but that may hurt your credit score.
How can I Find Out What my Percentage Rate is on Store Credit Card?
Your APR for a store credit card should be on your monthly billing statement. You can also find it online or by calling the issuing bank’s customer service department.
Other Store Credit Card Questions
There are lots of random store credit card questions as well. This section answers the most common questions of this type.
Which Store Credit Cards Provide Birthday Gifts?
The store credit card that’s most likely to provide birthday gifts are for clothing stores. These stores want you to come in and shop on your birthday.
Why Store Credit Cards are Bad?
They can be bad, but don’t have to be. If you spend money that you can’t afford to pay back, then a store credit card can push you deep into debt. However, if you handle the card responsibly, then it will boost your credit score.
Does a Store Have to Pay When You Use Credit Card?
Yes, stores pay on a per-transaction basis for using a credit card. It’s usually a small percent of the sale plus a fixed fee, depending on the agreement the store has with the credit card processing company.
How to Negotiate Store Credit Card Debt Settlement Yourself?
You can use any of the standard debt settlement negotiation methods when dealing with a store credit card debt. Be warned that store credit cards don’t need to settle your debt, and you’ll have to convince them it makes the most business sense for them to do so.
What Happens to Your Credit Card when Department Store Closes?
Several different things will happen. First, you’ll still need to pay the balance on the card. The balance will probably be owned by the bank that underwrote the cards for the store. You also might see a dip in your credit if the account is closed automatically.
What Store Credit Cards can Give Cash Back?
Most store credit cards don’t have perks like cash back. Instead, they usually give you discounts on the items that you purchase at the store. You usually get the biggest discount the first time you use the card.
What is Better: Credit Card or Furniture Store Credit?
That depends on your goals. If you’re just planning on buying furniture, then the furniture store card might make the most sense. However, if you want a credit card for emergencies or to use day-to-day, then the credit card is a better option.
Why a Store Credit Card is Better?
It depends on why you’re asking. Store cards are usually easier to qualify for than major credit cards. That means you’re more likely to get approved. They also usually offer discounts on the purchases that you make at the store. Also store credit card low interest options may or may not exist depending on the store.
What Banks Issue Store Credit Cards?
Lots of different banks underwrite store credit cards. You’ll need to check with the specific store or check your card statement for more information.
What Kind of Plans are Offered by Store Credit Cards to Pay Them Down Without Collections?
Every store has different options. You’ll need to talk to the store that holds your credit account to see what can of deals they can work out for you.
Can you use store credit cards when traveling out of the country?
If the store is a chain that has locations out of the country this shouldn’t be a problem. Speaking of traveling you may be interested in credit card miles rewards if this is a frequent thing for you.
Financial Advisor - MoneyBeagle.com
Michelle is part of our expert team of financial advisors with a proven track record in the credit card industry. After graduating with an Economics Degree focusing on Personal Finance, she got involved with several credit and debt counseling startups.