Compare Store Credit Cards | Creditshout

Guide to Store Credit Cards

By Kevin / January 3, 2017
Gap Store Visa Credit Card

With retail store credit cards there are a few differences from the normal reward credit cards that you may have in your wallet. One of the differences is that they are used for specific stores and merchandise, unlike the general credit card.

Another thing that is different is the rewards that are offered are usually from their store only; however, if you shop frequently there, chances are good that it will be beneficial to you in saving money.

 Below are some of the best retail store credit cards for your information.

Popular Retail Store Credit Cards for 2017

Costco Anywhere Visa Card by Citi

In mid-2016, Costco introduced the Anywhere Visa card (to replace the True Earnings American Express card). More than a store card, the Costco Anywhere card is a great cash back card for gas, travel and dining as well.

Rewards Program:

  • 4% cash back on gas for the first $7,000 per year, and then 1% thereafter (at Costco and standalone gas stations)
  • 3% cash back on restaurants and travel
  • 2% cash back on all other purchases from Costco and
  • 1% cash back on all other purchases
  • Rewards from your True Earnings card transferred automatically to your new card

Amazon Rewards Visa Card

The Amazon Visa unlocks savings at the worlds largest e-tailer - and you can apply your points right at checkout. 

And thanks to 2017 updates to the Amazon Rewards card, Prime members can now earn 5% back on all Amazon purchases. (Too bad Amazon does not always have the best prices.)​

And these top shelf rewards or available to customers who have fair credit or better. 

  • Amazon Prime member get a $70 Gift Card* instantly upon credit card approval
  • Prime member earn 5% back at; everyone else earn 3% back
  • Earn 2% Back at gas stations, restaurants and drugstores
  • Earn 1% Back on all other purchases
  • No annual fee
  • No earning caps — No point expiration

Target REDcard

Target store card

Redcards Now Come with Chip Technology.

Read our Review

The ever popular REDcard comes as a MasterCard, store only credit card, debit card, or prepaid AmericanExpress card.

Regardless of which version you choose, you get the same great benefits:

  • ​Save 5% in store and at
  • Free shipping at
  • Additional 30 days beyond Target's normal return policy to to return purchases
  • REDcard savings can be stacked with coupons, Target Subscriptions, and Cartwheel savings

I know we use Amazon for everything from books to diapers to jeans. So just earning 3% back on those purchases makes this card worthwhile.

Gap, Old Navy, Banana Republic Card

The Gap card is a great choice if you shop at Gap, Old Navy, Banana Republic or Athleta.

Regardless of your preferred brand, the rewards remains the same:

  • Save 15% on your first purchase
  • 5 points for every $1 spent on Gap brands (in-store and online)
  • 1 point for all other spending (Gap Visa only)
  • $5 Rewards for every 500 points you earn10% off every Tuesday
  • Gap Silver status by earning 5,000 points in a calendar year -> then earn 20% quarterly bonuses​

You can choose to go with the store only card, or get the Visa version. Unlike a lot of other store branded cards, the Gap Visa also allows you to earn rewards on non-Gap shopping (at the 1% level). Sometimes, Visa will even offer bonus rewards just to use your Gap Visa at someplace other than The Gap!

More frequent Gap-brand shoppers​ may want to up to the Silver level, and earn bonus rewards, points, and other goodies.

Walmart Credit Card

The Wal-Mart credit card will be a good choice if you often shop at Sams Club or Wal-Mart, or purchase Murphy gasoline.

This credit card gives discounts on fuel from any Wal-Mart or Sams Club that has gas stations of 5 cents a gallon.

There are only special financing options available when shopping at Walmart or Sam's Club.

Final Thoughts

Some store branded credit cards offer great incentives to use those cards in the store, but only average or non-existent benefits everywhere else. For that reason, we cannot recommend that any store branded card become your sole credit card.

Also, when you take out a retail credit card that is for in-store purchases only, it will not necessarily help you build your credit. Yes - the issuer will pull your credit to underwrite you. But after that they will not regularly update credit bureaus if you are making regular payments.

So, if you are looking to improve your credit profile, you may want to check out one of our recommended cards to help build your credit.

As always, we do encourage you to avoid running up balances and digging yourself into debt. Any credit card interest costs will swamp the potential added savings of a rewards program.

And, of course, happy shopping.​