When used correctly, store credit cards help you rack up rewards points, save cash, and unlock exclusive perks at your favorite stores. This detailed guide will break down how exactly these cards work and how to use them to your advantage. Plus, you’ll learn our picks for the top 5 best store credit cards based on how you like to shop.
Many of the cards below require good to excellent credit. Need help boosting your score? Check out MoneyLion Credit Builder Plus: A membership dedicated to helping you build credit health. Proven to help more than half of our members raise their score by up to 27 points within the first 60 days!*
Table of contents
What is a store credit card?
A specialty store credit card is a credit card offered by a major company, like a gas station or big-box retailer (think: Target, Best Buy, or Walmart). These cards offer a revolving line of credit that can help you earn special rewards for shopping, like cash back, special financing, or exclusive discounts.
There are two types of store credit cards:
- Closed-loop cards: Credit cards that can only be used at that specific store.
- Open-loop card: Credit cards that can be used anywhere Visa or Mastercard is accepted.
👉 11 Different Types of Credit Cards
How do store credit cards work?
Store credit cards, also sometimes called retail credit cards, work by helping you get discounts, cash back, or rewards for shopping at your favorite stores. Just swipe, pay off your balance, and get rewarded for your purchases.
These cards can be a valuable way to earn cash back on money that you’re already spending. But heads up, these often come with sky-high interest rates, which makes it expensive to carry a balance. If you get approved, just remember the golden rule of credit cards: don’t overspend.
Just because you’re approved for a $1,000 limit doesn’t mean that you have to use it. You should also be prepared to repay all the purchases that you put on your card.
This is why it usually makes the most sense to sign up for credit cards at stores where you already shop frequently. The goal is to get rewarded for money you’re already spending, not go on a credit-fueled shopping spree.
👉 Ultimate Guide on How Credit Cards Work
Best store credit cards
So, which store credit cards give you the best bang for your buck? We’ve outlined our top 5 picks based on the following criteria:
- Best for online shopping: Amazon Prime Visa
- Best for in-person shopping: Target Circle Card
- Best for groceries: Kroger Rewards World Elite Mastercard
- Best for gas: Costco Anywhere Visa by Citi
- Best for flexible rewards: Apple Card
1. Best for online shopping: Amazon Prime Visa
Prefer to do most of your shopping online in between Netflix episodes? If so, the Amazon Prime Visa® could be a valuable addition to your wallet. This card requires a Prime membership, but has a little cousin (the Amazon Visa) for people who don’t have a Prime subscription.
The Amazon Prime card offers 5% back on all Amazon.com and Whole Foods purchases, 2% back at restaurants, gas stations, and transit/rideshare purchases, and 1% back on all other purchases. You’ll also earn 10% back on a rotating selection of items on Amazon.com, which can give your Amazon shopping that “treasure hunt” feel.
Your points are usually available as early as the next day, helping you cash in your cash back ASAP. For reference, most credit cards take a few weeks to process your points.
Finally, enjoy plenty of built-in spending protections offered by Chase. These include travel accident insurance, lost luggage reimbursement, auto rental coverage, and baggage delay insurance.
Provided you have a Prime membership, this is one of the easiest store credit cards to get.
| Credit score needed: 690 to 850 (good to excellent) | Foreign transaction fee: None |
| Bonus offer: Prime members get a $200 Amazon gift card | Cash advance fee: Either $5 or 4%, whichever is higher |
| Annual fee: Requires a $139 annual Prime membership, no additional fee | Balance transfer fee: Either $5 or 4%, whichever is higher |
| Regular Annual Percentage Rate (APR): 19.49% to 28.24% | Rewards rate: 1-5x |
2. Best for in-person shopping: Target Circle Card
When it comes to retail credit cards, the Target Circle Card® is tough to beat. You’ll earn discounts on eligible Target purchases, an extended return window, and free 2-day shipping on online orders, all for no annual fee.
This card offers 5% off all eligible Target purchases (with some exceptions), in-store Starbucks orders, and specialty gift cards. Plus, 2% back on dining and gas purchases, and 1% on everything outside of Target.
Some people will even take advantage of this card’s “5% off gift cards” to get an indirect discount on other services. For example, do you Uber a lot? If so, you could theoretically buy a $200 Uber gift card for $190 (5% off) and save $10 on Uber, roughly the cost of one ride.
You’ll also enjoy an additional 30 days for Target returns and exchanges, and a 10% discount coupon each year on your card anniversary.
| Credit score needed: 690 to 850 (good to excellent) | Foreign transaction fee: N/A |
| Bonus offer: Earn $50 in Circle Rewards when you spend $50 within 60 days | Cash advance fee: N/A |
| Annual fee: None | Balance transfer fee: N/A |
| Regular APR: 28.95% | Rewards rate: 1-5x |
3. Best for groceries: Kroger Rewards World Elite Mastercard
The Kroger Rewards World Elite Mastercard® is one of the best grocery store credit cards out there, with an immense network that includes Dillons, Food 4 Less, Fred Meyer, Ralph’s, King Soopers, and more.
This card offers up to 5% cash back on Kroger Pay and mobile wallet purchases, 2% cash back at physical stores, and 1% cash back on all other purchases. You’ll also earn 2x fuel points and free next-day delivery when you apply for a Boost Essential Membership.
Of course, if you don’t live near a Kroger-owned grocery store, then this card won’t be much help. You’re better off checking your local store’s credit card options or exploring the Best Overall Credit Cards for Groceries.
| Credit score needed: 690 to 850 (good to excellent) | Foreign transaction fee: None |
| Bonus offer: Earn a $100 statement credit when you spend $500 within 90 days | Cash advance fee: Either $10 or 5%, whichever is higher |
| Annual fee: None | Balance transfer fee: Either $10 or 4%, whichever is higher |
| Regular APR: 18.24% to 31.24% | Rewards rate: 1-5x |
4. Best for gas: Costco Anywhere Visa by Citi
The Costco Anywhere Visa by Citi® is one of the best cards on the market for maximizing money spent on gas. While this card requires a Costco membership ($60 annually), it rewards you at gas pumps across America, not just Costco ones.
This card offers 5% back on Costco gas stations and 4% back on other gas stations (up to $7,000 in combined annual spending, then 1%). Since Costco usually has some of the cheapest gas you can find, this card can really help you minimize your gas bill. You’ll also earn 3% cash back on restaurants and travel, 2% cash back on all Costco purchases, and 1% cash back on all other purchases.
This card can also double as your Costco membership card, so you won’t need to carry both cards around in your wallet (Admittedly not the most life-changing perk, but still handy).
| Credit score needed: 720 to 850 (excellent) | Foreign transaction fee: None |
| Bonus offer: None | Cash advance fee: Either $10 or 5%, whichever is greater |
| Annual fee: Requires a $60 annual Costco membership, no additional fee | Balance transfer fee: Either $5 or 5%, whichever is greater |
| Regular APR: 19.49% to 27.49% | Rewards rate: 1-5x |
5. Best for flexible rewards: Apple Card
Looking for store credit cards that can be used anywhere and are especially mobile-friendly? The Apple Card® might be your best bet. This titanium card offers substantial rewards, special financing for new Apple products, and cash back for using Apple Pay.
You’ll earn 3% cash back on Apple purchases and at select merchants (listed below), 2% back when you use Apple Pay, and 1% back when you use your physical Apple Card. These rewards are deposited almost immediately, unlike many other rewards cards that make you wait several weeks to receive your rewards.
Your Apple Card will also allow you to pay for new Apple purchases over time, interest-free – in case you want to break that $1000 iPhone purchase into 10 $100 payments.
Participating merchants where you can earn 3% cash back include Nike, Uber, Walgreens, Duane Reade, Booking.com, ChargePoint, Exxon Mobile, and Ace Hardware.
| Credit score needed: 690 to 850 (good to excellent) | Foreign transaction fee: None |
| Bonus offer: None | Cash advance fee: N/A |
| Annual fee: None | Balance transfer fee: N/A |
| Regular APR: 18.24% to 28.49% | Rewards rate: 1-3x |
When does it make sense to get a store credit card?
With so many cards, it can be tough to know when a store credit card is right for you. Here are the signs to watch out for:
💡 You frequently shop at a specific retailer: If you’re constantly shopping at stores like Target or Amazon, then applying for their store card can be an easy way to earn cash back on money you’re already spending.
💡 You want to build or rebuild your credit: Store cards are generally easier to qualify for, making them a good entry point for those with limited or poor credit history. As long as you pay on time and keep your balance low, signing up for a store credit card should help improve your credit score.
💡 You’re offered a generous sign-up discount: Many store cards offer an instant discount for signing up, which can help reduce the cost of a large purchase. Just be sure the long-term benefits of the card outweigh any ongoing fees or high interest rates.
💡 You’re able pay your balance in full every month: Store cards often come with higher interest rates, so carrying a balance can be costly. If you’re in a position to pay off your card in full each month, then you can enjoy the rewards without racking up high-interest debt.
💡 You qualify for exclusive financing options: Some store credit cards offer special 0% APR deals on large purchases, giving you time to pay without interest. This can be useful when buying big-ticket items like expensive electronics or furniture.
Now, let’s dive into the pros and cons of store credit cards.
Pros of store credit cards
✅ Exclusive cardholder promotions: You may receive short-term promotions like exclusive cardholder-only sales, birthday gifts, free shipping, or other perks.
✅ Immediate discounts on purchases: You’ll often receive instant discounts that can help you save while checking out.
✅ Rewards and cashback on store purchases: You’ll earn significant cash back, usually between 3% and 5%, on your store purchases.
✅ Easier approval than traditional credit cards: Since they’re typically fairly easy to get approved for compared to regular cards, store credit cards can also be a viable way to build your credit and get spending flexibility.
✅ No annual fees: Most store credit cards don’t charge annual fees, making them cheaper to own than many premium cards. However, cards like the Amazon Prime Visa or Costco Citi Card require a membership subscription to their respective program.
Cons of store credit cards
Here are the cons of signing up for a store credit card:
❎ High interest rates: Store credit cards often come with higher interest rates than normal cards, which makes it expensive to carry a balance.
❎ Limited usability outside the store: If you sign up for a closed-loop card that can only be used in-store, then you won’t find much use for it outside of that retailer.
❎ Low credit limits: Store credits typically offer fairly low credit limits, especially if you have a low credit score or limited credit.
❎ Complicated rewards programs: Rewards and cash back are great, but not when it’s a hassle to collect them. Watch out for cards that make you jump through hoops to claim your rewards.
❎ Can harm credit score if mismanaged: Store credit cards are easy to get approved for and encourage you to spend more, two factors that make them easy to mismanage.
Alternatives to store credit cards
By this point, you should have a good idea of whether or not a store credit card is right for you. If you’re not loyal to any particular big-box retailer, then you might want to explore these options:
🔄 General rewards credit cards: These cards offer spending flexibility and a wide range of perks. Check out MoneyLion’s top credit cards for 2025.
🔄 Secured credit cards: These cards help you build credit by linking your spending limit to a security deposit. Learn about the 9 best credit cards for bad credit.
🔄 Frequent-buyer rewards: Instead of a store credit card, see if your favorite retailer has a loyalty program. This can help you enjoy similar benefits without the stress of applying for and managing a new credit card.
Store Cards: Worth the Buzz?
If you’re a frequent shopper at a specific retailer, then you likely have a lot to gain from a store credit card, like elevated cash back and unique perks. But if you aren’t loyal to any particular store, then you might be better off with a credit card that offers broader rewards.
Shop smart, pay in full, and you might just make your wallet – and your credit score –very happy.
FAQs
What store credit cards are easy to get?
A few easy approval store credit cards include those from big-box stores like Target or Kroger. Cards that require a membership, like Amazon Prime or Costco, are also fairly easy to get.
Do store credit cards build credit?
They can, as long as your card reports to the credit bureaus and you consistently pay off your balance on time.
Can you use store credit cards anywhere?
It depends on the card. Some store credit cards can only be used at the issuing retailer, while co-branded cards (like a Target Mastercard) can usually be used anywhere the network (Mastercard, in this case) is accepted.
Are store credit cards bad?
Not necessarily, store credit cards can be a great way to earn additional cash back on money that you’re likely already spending. But they often come with high interest rates and low limits, so it’s best to use them carefully and pay off the balance in full each month.
Are store credit cards worth it?
They can be worth it if you shop at the store often and take advantage of exclusive discounts and rewards. Just be sure that the benefits outweigh the costs.
