Store Credit Cards

If you’ve been shopping lately, then you know that it’s difficult to visit a chain store without being offered an application for a store credit card. And since many of these stores will give you a significant discount off of your purchase that day when you open an account, it can be very tempting to apply. Other benefits of store credit cards can include rewards on purchases, financing offers, and access to special promotions, but they tend to have higher interest rates, and can even induce cardholders to ignore better offers from competing retailers.If you regularly shop at a specific store regularly, then getting that store’s credit card may make sense. But, if you tend to shop around at a variety of stores than a credit card like the Chase Freedom®, which offers 5% cash back at a rotating categories of merchants, may make more sense for you.

Store Credit Cards List

Sears Card

  • Enjoy savings on your favorite brands with special financing
  • special offers, exclusive events and coupons.

Sears Mastercard® with Shop Your Way

  • Earn More Shop Your Way Points in More Places
  • Global Acceptance
  • Monthly savings, special offers and special financing

BP Credit Cards

  • Redeem earned rewards at the pump
  • $0 Fraud Liability
  • ATM Cash Access
  • No annual fee

Disney Premier Visa Card

  • after you spend $500 on purchases in the first 3 months from account opening.
  • This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Forever 21 Credit Card

If you’ve been shopping lately, then you know that it’s difficult to visit a chain store without being offered an application for a store credit card. And since many of these stores will give you a significant discount off of your purchase that day when you open an account, it can be very tempting to apply. Other benefits of store credit cards can include rewards on purchases, financing offers, and access to special promotions, but they tend to have higher interest rates, and can even induce cardholders to ignore better offers from competing retailers.If you regularly shop at a specific store regularly, then getting that store’s credit card may make sense. But, if you tend to shop around at a variety of stores than a credit card like the Chase Freedom®, which offers 5% cash back at a rotating categories of merchants, may make more sense for you.

Kohl's Credit Card

  • Save 25% on your first purchase using your new Kohl’s Credit Card
  • This card entitles you to at least 12 special offers.
  • Get another 15% discount when you card arrives in the mail. To be used on separate future order.
  • Spend $600 on your Kohl's Charge to become a Most Valued Customer (MVC) and receive at least 18 discounts a year

Barclaycard

Kohl's Credit Card

  • Save 25% on your first purchase using your new Kohl’s Credit Card
  • This card entitles you to at least 12 special offers.
  • Get another 15% discount when you card arrives in the mail. To be used on separate future order.
  • Spend $600 on your Kohl's Charge to become a Most Valued Customer (MVC) and receive at least 18 discounts a year

Digital Federal Credit Union Visa Platinum Secured Credit Card

If you’ve been shopping lately, then you know that it’s difficult to visit a chain store without being offered an application for a store credit card. And since many of these stores will give you a significant discount off of your purchase that day when you open an account, it can be very tempting to apply. Other benefits of store credit cards can include rewards on purchases, financing offers, and access to special promotions, but they tend to have higher interest rates, and can even induce cardholders to ignore better offers from competing retailers.If you regularly shop at a specific store regularly, then getting that store’s credit card may make sense. But, if you tend to shop around at a variety of stores than a credit card like the Chase Freedom®, which offers 5% cash back at a rotating categories of merchants, may make more sense for you.

Kohl's Credit Card

  • Save 25% on your first purchase using your new Kohl’s Credit Card
  • This card entitles you to at least 12 special offers.
  • Get another 15% discount when you card arrives in the mail. To be used on separate future order.
  • Spend $600 on your Kohl's Charge to become a Most Valued Customer (MVC) and receive at least 18 discounts a year

Uber Visa Card

The Uber Visa Card is one of the newest offerings by Barclaycard, providing 4% back on dining (including UberEATS), 3% back on airfare and at hotels, and 2% back on online purchases (including Uber itself).It has no annual fee, and comes with some rewarding benefits like a $50 annual credit for streaming services if you spend $5,000 per year, and up to $600 in mobile phone insurance if you pay your phone bill with the card.Overall it’s a very rewarding card given that it has no annual fee. The 4% back category is a better reward for dining than most cards offer, the 3% category includes not just airfare and hotels but also travel agencies like Airbnb, and the 2% category covers a very wide variety of purchases, including most online subscription services (excluding utilities and similar services).You’ll be able to redeem the points you earn at a value of 1 cent per point, for Uber credits through the Uber app, statement credits, or gift cards. That means you’ll be earning the equivalent of 4% cash back on dining, 3% cash back on airfare and at hotels, and 2% cash back on online purchases.There’s no foreign transaction fee on this card, so it’s a good choice to bring with you when traveling outside the country unlike most cards, which charge a 3% fee.You don’t need to be an Uber driver to apply for this card. But if you are an Uber driver, check out the Uber Visa Debit Card, which provides cash back at a variety of different merchants (including gas stations). Where can I use my Uber Visa Card? You can use this card anywhere Visa is accepted.If you apply for this card through the Uber app and are approved, you’ll be able to use it immediately through the app for Uber purchases without needing to wait for the physical card to be mailed to you.

Mastercard® Titanium Card™

The Mastercard Titanium Card™ is designed for frequent travelers with good credit, featuring a few luxury benefits and special VIP travel perks.This card is constructed with stainless steel on the front and carbon in the back.

1. 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 allow cardholders to earn and redeem points when making purchases. Store credit cards appear first before credit cards because department stores used to offer special offers to customers to reward their loyalty to a particular store or brand. In addition to the standard rewards program, store credit cards offer in-store discounts and special rewards. Store credit cards have a cash back feature that gives you a discount when you spend money on the retailer's card.

2. What are the benefits of store credit cards?

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.

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.

3. 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.

4. 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.

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Store Credit Cards Tips

  1. If you want to know your Store Credit Cards payment details, like your credit card balance. Please contact the Store Credit Cards customer service or get a Store Credit Cards application.
  2. In order to manage your Store Credit Cards payment online, you need to log in to the Store Credit Cards official website.
  3. About Store Credit Cards login and how to apply for a Store Credit Cards, you need to go to the official website.
  4. Getting a Store Credit Cards application will be a lot of convenience, contact the Store Credit Cards customer service or go to the Store Credit Cards official website to know more details.
  5. Want to know some products discounts or rewards programs? Make sure your Store Credit Cards phone numbers is correct, there will be text alerts.

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