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Best store credit cards of 2021

We've broken which store cards are worth your attention this year.

Updated

Fact checked

Our pick for a store card: Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi logo

Up to 4%

Cash back

  • One of the most well-rounded cashback cards
  • 4% on gas on up to $7,000, then 1%
  • 3% on restaurants and travel
  • 2% at Costco
Apply now

When it comes to store credit cards, the “best” one can often depend on where you spend the most time and money. Ultimately, a store credit card isn’t any good if you can never use it.

If you need a place to start, consider cards from big-box retailers. These tend to be excellent picks, and they can be more flexible because you can usually buy more products with them.

  • Why trust us? Unlike our competitors, Finder’s credit card experts research and write about all credit cards, including those from providers who aren’t partners on our site. Our trustworthy, unbiased evaluations are solely meant to help you choose the best credit card for your financial needs.

Best store credit cards to start with

Best closed-loop store card
Target REDcard™ Credit Card

Target REDcard™ Credit Card logo
Credit recommended (580-850)
Read review
580
Min. credit score
$0
Annual fee
Up to 5%
Cash back
n/a
Welcome offer
This card is very similar to the Amazon credit card, offering an excellent 5% off eligible purchases at Target and Target.com. One major difference: Amazon's card requires a Prime membership, while Target's doesn't require any subscription. You'll also receive free two-day shipping on eligible items at Target.com, which gives you an incentive to shop there rather than Amazon. Remember: as a closed-loop card, it's valid only in the Target network.
  • No annual fee.
  • 5% off on eligible purchases at Target and Target.com.
  • Free two-day shipping on eligible items at Target.com.
  • 30 more days for returns at Target and Target.com.
Annual Fee $0
Purchase APR 22.9% variable
Balance transfer APR N/A
Welcome offer N/A
Rewards 5% discount at Target stores and Target online

Best store card for online shopping
Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card logo
Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$100
Welcome offer
You'll need an eligible Amazon Prime membership to apply for this card. However, you'll earn a stellar 5% back at Amazon.com and Whole Foods. If that wasn't enticing enough, you'll also earn a solid 2% back at restaurants, gas stations and drugstores.
  • No annual fee with your eligible Prime membership.
  • 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores. 1% on all other purchases.
  • $100 Amazon.com gift card when you're approved.
Annual Fee $0
Purchase APR 14.24% to 22.24% variable
Balance transfer APR 14.24% to 22.24% variable
Welcome offer $100 Amazon Gift Card instantly upon approval
Rewards 5% back at Amazon.com, Whole Foods Market and Zappos, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
The information about Amazon Prime Rewards Visa Signature Card has been collected independently by Finder and has not been reviewed or provided by the issuer.

Compare the best cards for online shopping

Best store card for gas
Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi logo
Finder Rating: 3.6 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Citi's secure site
740
Min. credit score
$0
Annual fee
Up to 4%
Cash back
n/a
Welcome offer
This card offers 2% cash back at Costco and Costco.com, which is solid. You'll also find excellent rewards on gas, restaurant and eligible travel purchases. You'll need a paid Costco membership to apply for this card.
  • No annual fee with your eligible Costco membership.
  • 4% cash back on eligible gas for the first $7,000 per year, then 1%. 3% cash back on restaurant and eligible travel purchases. 2% cash back on Costco and Costco.com purchases. 1% cash back on all other purchases.
Annual Fee $0
Purchase APR 15.24% variable
Balance transfer APR 15.24% variable
Welcome offer N/A
Rewards 4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases

Compare more gas credit cards

Best store card for flexible spending
My Best Buy® Visa® Card

My Best Buy® Visa® Card logo
Credit recommended (670-739)
Read review
670
Min. credit score
Up to $59
Annual fee
Up to 6%
Cash back
n/a
Welcome offer
With the My Best Buy® Visa® Card, you can choose between 5% back in rewards at Best Buy or deferred interest on eligible purchases at the retailer. The card is also surprisingly good for everyday purchases, offering 2% back on dining and grocery purchases and 3% back on gas for a limited time. The card has no annual fee. But depending on your credit, you may receive the Gold version, which comes with a $59 annual fee. Take care: with less-than-stellar credit, you might receive the My Best Buy® Visa® Card, which is a closed-loop card.
  • No annual fee for the Platinum version, but $59 for the Gold version.
  • 5% back in rewards at Best Buy, and 6% back for My Best Buy Elite Plus members. Or get access to deferred interest on select purchases.
  • 3% back in rewards on gas purchases for a limited time. 2% back on dining and grocery purchases. 1% back on other eligible purchases.
Annual Fee Up to $59
Purchase APR 11.9% intro for the first up to 48 months reduced rate (then from 25.24% variable)
Balance transfer APR N/A
Welcome offer N/A
Rewards 5% back at Best Buy or 6% back in rewards for Elite Plus members, 3% on gas, 2% on dining and groceries and 1% on all other purchases
The information about My Best Buy® Visa® Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

Compare more deferred interest credit cards

Best store card for everyday purchases
Walmart Rewards™ Mastercard®

Walmart Rewards™ Mastercard® logo
Credit recommended (580-739)
Read review
580
Min. credit score
$0
Annual fee
Up to 5%
Cash back
n/a
Welcome offer
This recently updated Capital One offering comes in two versions: The Walmart Rewards™ Mastercard® and the closed-loop Walmart Rewards card. The Walmart Rewards™ Mastercard® is an open-loop product, valid in all stores, not just Walmart and Walmart-associated retailers. With that said, you'll find your biggest rewards value when shopping at Walmart.com or in-store during the 12-month introductory period, a hearty 5% back on purchases. In-store purchases revert to 2% after the intro period. You'll also earn a solid 2% back on restaurants and travel and 1% back everywhere else.
  • No annual fee.
  • Earn 5% back on purchases made at Walmart.com and on purchases made through Walmart Grocery Pickup and Delivery. Earn 2% back on restaurants and travel and 1% back everywhere else.
  • Earn 5% back on in-store purchases made with Walmart Pay for the first 12 months after approval. After the introductory period, you'll earn 2% back on in-store purchases.
  • No foreign transaction fees.
Annual Fee $0
Purchase APR 17.99%, 23.24% or 26.99% variable
Balance transfer APR 17.99%, 23.24% or 26.99% variable
Welcome offer N/A
Rewards 5% back at Walmart.com, 5% in-store with Walmart Pay for the first 12 months (then 2%), 2% on restaurants and travel and 1% on all other purchases

Compare the best cards for everyday spending

How we chose our best cards

The value of a store credit card is heavily dependent on where a consumer shops. Given this, we picked cards for our list based on which products were most effective for their respective retailers. We placed heavy value on the highest rewards rates. When appropriate, we considered cards with standout benefits.

What’s changed in 2021

The strongest cards from last year only got stronger, though Walmart’s revamped offering joined the list this year, rivaling the value of the Target REDCard.

How to choose the best store credit cards

There are countless retailers, and many of them offer their own store cards. Choosing one comes down to a few key factors:

  • Do you shop at a certain store? This is probably the easiest place to start. If you don’t normally shop at a given store, you probably shouldn’t apply for the corresponding store card!
  • Look at the rewards. Check the rewards rate you’ll earn on store purchases. If the card is open-loop, you may earn bonus rewards for other categories too.One of the most important things to consider is whether you’ll regularly earn bonus rewards from the card. For example, a 5% rewards rate at the store might be great, but it won’t mean much if you never shop there. It might not be worth picking up the card just to earn more rewards once in a blue moon.
  • What are the store benefits of owning the card? A store card can sometimes be worth picking up just because of its benefits. You might want access to free shipping, for example, or invitations to exclusive events. Carefully check a card’s benefits page to see if there are any can’t-miss features.
  • How easy is the card to use? Store credit cards can sometimes have more restrictions than general credit cards. You may, for example, need a store membership in order to apply for a card. And you’ll want to check whether a card is open-loop or closed-loop. With store cards, you often earn a rewards certificate only after you reach a certain number of points. Check what this threshold might be, and consider how easily you can reach it.
  • What is the APR? Store cards tend to have very high interest rates. Check the APR before signing up.

Bottom line

The best store card depends on where you like to shop. If our top picks don’t include your favorite store, compare more store cards to find the one that’s right for you.

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

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