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Best Store Credit Cards Of 2025

Updated: Feb 24, 2025, 3:32pm
Jenn Underwood
Jenn Underwood
Jenn UnderwoodPersonal Finance Writer
Credit cards and banking specialist Jenn Underwood brings over 16 years of personal finance experience to the table. After a decade of teaching courses in banking, debt reduction, budgeting and credit improvement, she moved into writing content and f...
Read Full BioSee Full Bio
Written By
Jenn Underwood
Jenn Underwood
Jenn UnderwoodPersonal Finance Writer
Credit cards and banking specialist Jenn Underwood brings over 16 years of personal finance experience to the table. After a decade of teaching courses in banking, debt reduction, budgeting and credit improvement, she moved into writing content and f...
Read Full BioSee Full Bio
Personal Finance Writer
Clint Proctor
Clint Proctor
Fact Checked by
Clint ProctorLead Editor, Credit Cards & Travel Rewards
Clint Proctor is a lead editor with the credit cards and travel rewards team at Forbes Advisor. He has five years of experience in personal finance journalism and has contributed to a variety of leading national publishers including Business Insider...
Read Full BioSee Full Bio
Fact Checked
Clint Proctor
Clint Proctor
Fact Checked by
Clint ProctorLead Editor, Credit Cards & Travel Rewards
Clint Proctor is a lead editor with the credit cards and travel rewards team at Forbes Advisor. He has five years of experience in personal finance journalism and has contributed to a variety of leading national publishers including Business Insider...
Read Full BioSee Full Bio
Lead Editor, Credit Cards & Travel Rewards
& 1 other
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

A store card can be tempting, especially with deep discount offers on your first purchase or special financing on large expenses. But before you sign up for a store credit card, make sure you read the fine print and understand what you’re getting yourself into. While credit card brochures are often advertised near checkout, getting a credit card as an impulse could lead to some significant shopper’s remorse.

In addition, not all store cards are created equal. If you’re loyal to the brand, you may want to consider one of these best store credit cards.

Why you can trust Forbes Advisor

Our credit card editors are committed to bringing you unbiased ratings and information. Advertisers do not and cannot influence our ratings. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.

  • Unbiased editorial team
  • No AI writing
  • 400+ credit cards rated
  • 65 years of industry experience
Read more
Show Summary

Best Store and Co-Branded Credit Cards

Featured Partner Offer

Prime Visa

Ad
Apply Now Apply Now
On Amazon’s Website
Prime Visa
Click Here To Apply Now

Rates & Fees 
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now Apply Now
On Amazon’s Website

Up to 5X Reward Rate

Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible PrimeRead More

Welcome Bonus

Get a $100 Amazon Gift Card

Annual Fee

$0

Regular APR

19.49% – 28.24% Variable

Credit Score

Good, Excellent (700 – 749)

Card Details
  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Here’s a Summary of the Best Store Credit Cards

CREDIT CARD OUR Rating & DETAILS
Prime Visa
Prime Visa
Apply Now Apply Now
On Amazon's Website
Rates & Fees
5.0

Welcome Bonus

Get a $100 Amazon Gift Card

Credit Score

Good, Excellent

Annual Fee

$0

Amazon Visa Credit Card
Amazon Visa Credit Card *
4.8

Welcome Bonus

$50 Amazon Gift Card

Credit Score

Good/Excellent

Annual Fee

$0

Disney® Premier Visa® Card
Disney® Premier Visa® Card *
4.5

Welcome Bonus

$300 statement credit

Credit Score

Good/Excellent

Annual Fee

$49

Target Circle™ Credit Card
Target Circle™ Credit Card *
3.4

Welcome Bonus

$50 credit

Credit Score

Fair/Good

Annual Fee

$0

Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi *
3.2

Welcome Bonus

N/A

Credit Score

Excellent

Annual Fee

$0

REI Co-op® Mastercard®
REI Co-op® Mastercard® *
3.1

Welcome Bonus

$100 Gift Card

Credit Score

Good/Excellent

Annual Fee

$0

Kroger Rewards World Elite Mastercard®
Kroger Rewards World Elite Mastercard® *
3.1

Welcome Bonus

$100 statement credit

Credit Score

Good

Annual Fee

$0

Shop Your Way Mastercard®
Shop Your Way Mastercard® *
2.8

Welcome Bonus

Up to $225 in statement credits

Credit Score

Good

Annual Fee

$0

Apple Card
Apple Card *
2.7

Welcome Bonus

N/A

Credit Score

Excellent/Good

Annual Fee

$0

Instacart Mastercard®
Instacart Mastercard® *
2.7

Welcome Bonus

$50 Instacart Credit

Credit Score

Good, Excellent

Annual Fee

$0

Credit Card
Prime Visa
Rates & Fees
Prime Visa
Apply Now Apply Now
On Amazon's Website
Amazon Visa Credit Card
Amazon Visa Credit Card *
Disney® Premier Visa® Card
Disney® Premier Visa® Card *
Target Circle™ Credit Card
Target Circle™ Credit Card *
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi *
REI Co-op® Mastercard®
REI Co-op® Mastercard® *
Kroger Rewards World Elite Mastercard®
Kroger Rewards World Elite Mastercard® *
Shop Your Way Mastercard®
Shop Your Way Mastercard® *
Apple Card
Apple Card *
Instacart Mastercard®
Instacart Mastercard® *
Credit Card
Our Rating
Annual Fee
Credit Score
Welcome Bonus
Learn More
Prime Visa
Rates & Fees
Prime Visa
5.0
$0
Good, Excellent
Get a $100 Amazon Gift Card
Apply Now Apply Now
On Amazon's Website
Amazon Visa Credit Card
Amazon Visa Credit Card *
4.8
$0
Good/Excellent
$50 Amazon Gift Card
Disney® Premier Visa® Card
Disney® Premier Visa® Card *
4.5
$49
Good/Excellent
$300 statement credit
Target Circle™ Credit Card
Target Circle™ Credit Card *
3.4
$0
Fair/Good
$50 credit
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi *
3.2
$0
Excellent
N/A
REI Co-op® Mastercard®
REI Co-op® Mastercard® *
3.1
$0
Good/Excellent
$100 Gift Card
Kroger Rewards World Elite Mastercard®
Kroger Rewards World Elite Mastercard® *
3.1
$0
Good
$100 statement credit
Shop Your Way Mastercard®
Shop Your Way Mastercard® *
2.8
$0
Good
Up to $225 in statement credits
Apple Card
Apple Card *
2.7
$0
Excellent/Good
N/A
Instacart Mastercard®
Instacart Mastercard® *
2.7
$0
Good, Excellent
$50 Instacart Credit
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Prime members can get a $50 Amazon Gift Card instantly upon approval
Prime members can get a $50 Amazon Gift Card instantly upon approval
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Earn $300 statement credit after you spend $1000 on purchases in the first 3 months from account opening.
Earn $300 statement credit after you spend $1000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Get $50 in Target Circle Rewards when you spend $50 or more on qualifying purchases within 60 days of approval.
Get $50 in Target Circle Rewards when you spend $50 or more on qualifying purchases within 60 days of approval.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
N/A
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Earn a $100 REI gift card for new cardholder accounts, after the first out of store purchase, within the first 60 days of using the new card
Earn a $100 REI gift card for new cardholder accounts, after the first out of store purchase, within the first 60 days of using the new card
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Earn a $100 statement credit after spending $500 on the card in the first 90 days.
Earn a $100 statement credit after spending $500 on the card in the first 90 days.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases made in the first 90 days following approval. Offer is valid for new accounts opened through 3/31/25.
Earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases made in the first 90 days following approval. Offer is valid for new accounts opened through 3/31/25.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
N/A
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Get a $50 Instacart credit automatically upon approval
Get a $50 Instacart credit automatically upon approval
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Best Store and Co-Branded Credit Cards of 2025

Best Store Credit Card for Amazon Shoppers

Prime Visa

Apply Now Apply Now
On Amazon's Website
Prime Visa
Click Here To Apply Now
Rates & Fees 
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now Apply Now
On Amazon's Website

Up to 5X Reward Rate

Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible PrimeRead More

Welcome Bonus

Get a $100 Amazon Gift Card

Annual Fee

$0

Regular APR

19.49% - 28.24% Variable

Credit Score

Good, Excellent (700 - 749)

Our Expert Take

For Prime members, the Amazon Prime Visa offers nearly unbeatable returns on all Amazon and Whole Foods purchases.

Why We Like It

With travel and emergency assistance, lost luggage reimbursement, baggage delay insurance, travel accident insurance, roadside dispatch, auto rental collision damage waiver, purchase protection and extended warranty protection, the Prime Visa comes loaded with extras. In lieu of rewards, cardholders can receive 6 to 12 months of 0% promo APR on qualifying purchases followed by a 19.49% to 28.24% variable APR on purchases and balance transfers thereafter.

What We Don’t Like

Cardholders must have an Amazon Prime membership to be eligible for the card. Memberships start at $139 annually, so if you don’t shop regularly with Amazon, this card won’t make much sense.

Who It’s Best For

The Prime Visa is best for those who enjoy shopping without going to a physical store. With benefits at Amazon.com, Amazon Fresh and Whole Foods Market, this card earns hefty rewards online and on groceries.

Expert Commentary
Ben Luthi
Ben Luthi
Ben Luthi
Credit Cards Writer
Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.
Ben Luthi
Ben Luthi
Ben Luthi
Credit Cards Writer
Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.
Credit Cards Writer

The card is a no-brainer for Amazon Prime members. You’ll be hard-pressed to find another card that offers such a great rewards rate on so many different types of purchases.

Pros & Cons
  • 5% cash back on all Amazon and Whole Foods purchases
  • No spending required for the welcome bonus
  • No foreign transaction fees
  • Travel and shopping protections
  • Prime Big Deal Day benefits
  • Requires an Amazon Prime membership
  • No introductory APR
  • Low cash back for purchases outside of bonus categories
Card Details
  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Store Credit Card for Amazon Without a Prime Membership

Amazon Visa Credit Card *

Amazon Visa Credit Card
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Welcome Bonus

$50 Amazon Gift Card

Annual Fee

$0

Regular APR

19.74% – 28.49% variable

Credit Score

Good/Excellent (700 - 749)

Our Expert Take

Those who shop at Amazon but prefer not to have an Amazon Prime membership can still benefit from the Amazon Visa Credit Card*.

Why We Like It

This card offers excellent travel protections as well as six to 12 month 0% promo APR options on qualifying purchases followed by a 19.74% to 28.49% variable APR thereafter. With no foreign transaction fees, this card makes a decent card for travelers as well.

What We Don’t Like

The welcome bonus on this card is often less than the Prime Visa.

Who It’s Best For

The Amazon Visa is best for Amazon shoppers who don’t have a Prime membership but regularly shop the site.

Pros & Cons
  • No annual fee
  • Strong rewards rate for Amazon purchases
  • No foreign transaction fees
  • Travel benefits
  • Option for “Equal Pay” 0% APR payments
  • Limited welcome bonus
  • No intro APR offer
  • Equal Pay not available on purchases under $50
Card Details
  • Prime members can get a $50 Amazon Gift Card instantly upon approval
  • Earn unlimited 3% back on your Amazon.com, Amazon Fresh, and Whole Foods Market purchases or 5% back with an eligible Prime membership
  • Earn unlimited 3% back on Chase Travel purchases or 5% back with an eligible Prime membership
  • Earn unlimited 2% back on local transit and commuting, including rideshare
  • Earn unlimited 1% back on all other purchases anywhere Visa is accepted
Prime members can get a $50 Amazon Gift Card instantly upon approval
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Store Credit Card for Disney

Disney® Premier Visa® Card *

Disney® Premier Visa® Card
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Up to 5% Reward Rate

Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com; Earn 2% on cardRead More

Welcome Bonus

$300 statement credit

Annual Fee

$49

Regular APR

18.49% – 27.49% variable

Credit Score

Good/Excellent (700 - 749)

Our Expert Take

The Disney® Premier Visa® Card* offers diehard Disney fans the opportunity to earn Disney Reward Dollars in various eligible spending categories. It won’t make sense for most anyone else.

Why We Like It

Cardholders get three months of complimentary access to qualifying Disney Bundle subscriptions. Cardholders also get complimentary Disney Parks photo opportunities and other limited-time offers. Additionally, it offers a 0% intro APR on purchases for 6 months on select Disney vacation packages, followed by a regular 18.49% – 27.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies. That could help you pay off your vacation before you owe any interest.

What We Don’t Like

This card is fairly bare-bones and doesn’t offer additional benefits. Earning 1% on all your purchases beyond Disney, gas, groceries and restaurants won’t add up quickly. You may do better to select a 2% cash-back credit card.

Who It’s Best For

The Disney® Premier Visa® Card* is worth considering for anyone who loves Disney. Those who want access to some Disney perks like complimentary Disney Parks photo opportunities but who don’t want to pay an annual fee should consider the Disney® Visa® Card*.

Pros & Cons
  • Choose from 10 different card designs.
  • Reasonable ongoing APR for purchases and balance transfers.
  • Enticing perks and discounts to satisfy your Disney needs.
  • Special APR offer period is short and only applies to Disney vacation purchases
  • No balance transfer intro APR offer
  • Foreign transaction fee
  • Limited redemption options
Card Details
  • Earn $300 statement credit after you spend $1000 on purchases in the first 3 months from account opening.
  • Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com
  • Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations
  • Plus, earn 1% on all your other card purchases
  • Redeem Rewards Dollars for a statement credit toward airline travel
  • Redeem Rewards Dollars toward most anything Disney and Star Wars at most Disney locations, including Theme Park tickets, Resort stays, shopping, dining and more
  • Save 10% on select Disney purchases at shopDisney.com
  • 10% off select merchandise credit card purchases of $50 or more at select locations at the Disneyland® and Walt Disney World® Resorts and aboard Disney Cruise Line ships
Earn $300 statement credit after you spend $1000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Store Credit Card for Target Shoppers

Target Circle™ Credit Card *

Target Circle™ Credit Card
3.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

5X Reward Rate

Earn a 5% discount on qualifying Target purchases. Plus earn 2% on dining and gas purchases and 1% everywhere else

Welcome Bonus

$50 credit

Annual Fee

$0

Regular APR

29.20% variable

Credit Score

Fair/Good (650 - 699)

Our Expert Take

The Target Circle™ Credit Card* offers regular Target shoppers a $50 in Target Circle Rewards after spending $50 or more on qualifying purchases within 60 days of approval and free two-day shipping on Target purchases.

Why We Like It

In addition to a discount and free two-day shipping on Target purchases, cardholders can access exclusives and offers plus an additional 30 days on returns and exchanges.

What We Don’t Like

Not all items qualify for the 5% discount, most notably prescriptions and select gift cards. The card also offers little beyond Target perks.

Who It’s Best For

The Target Circle™ Credit Card* is best for people who regularly shop at Target and prefer their savings upfront.

Pros & Cons
  • 5% discount on nearly all Target purchases
  • Free shipping on Target.com
  • Extended returns for 30 extra days in-store or online
  • Some items do not qualify for the 5% discount
  • Very high APR
  • Late payment fees and high APR can outweigh the 5% discount
Card Details
  • 5% off on purchases at Target in store or online. Earn 2% on dining and gas purchases, and 1% everywhere else outside of Target
  • Free two-day shipping available on eligible items at Target.com
  • Additional 30 days for returns and exchanges
  • No annual fee
Get $50 in Target Circle Rewards when you spend $50 or more on qualifying purchases within 60 days of approval.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Store Credit Card for Costco Shoppers

Costco Anywhere Visa® Card by Citi *

Costco Anywhere Visa® Card by Citi
3.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Up to 5% Reward Rate

Earn 5% cash back on gas at Costco and 4% cash back on eligible gas and EV charging purchases forRead More

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

19.49% - 27.49% variable APR

Credit Score

Excellent (750 - 850)

Our Expert Take

The Costco Anywhere Visa® Card by Citi* is a top-tier cash-back credit card. It’s ideal for Costco members because it offers rewards and benefits specific to Costco services and products.

Why We Like It

The card earns high rewards rates in its bonus categories, making it easier to rack up cash back. Plus, no foreign transaction fees means it can be a solid option for purchases abroad.

What We Don’t Like

The card requires an active Costco membership and the rewards you earn can only be cashed out at Costco via an annual certificate.

Who It’s Best For

The Costco Anywhere Visa® Card by Citi* only makes sense for those who do most of their shopping at Costco. If not, you won’t find the rewards useful.

Pros & Cons
  • High rewards rates in bonus categories
  • No foreign transaction fee
  • Use the Costco Anywhere Visa card as your Costco membership ID
  • Requires an active Costco membership
  • Rewards can only be cashed out at Costco via an annual certificate
  • Certificate expires at year-end
Card Details
  • Earn 5% cash back on gas at Costco and 4% cash back on eligible gas and EV charging purchases for the first combined $7,000 spent annually, 1% thereafter
  • Earn unlimited 3% cash back on restaurants and eligible travel purchases
  • Earn 2% cash back on purchases from Costco and Costco.com and unlimited 1% cash back on all other purchases
  • No annual fee with paid Costco membership
  • No foreign transaction fees
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Store Credit Card for REI Shoppers

REI Co-op® Mastercard® *

REI Co-op® Mastercard®
3.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Up to 5X Reward Rate

Earn 5% back in REI Co-op Mastercard Rewards per dollar spent on purchases at REI; Earn 1.5% back everywhere else

Welcome Bonus

$100 Gift Card

Annual Fee

$0

Regular APR

18.24% - 29.24% variable

Credit Score

Good/Excellent (700 - 749)

Our Expert Take

With solid rewards on REI and 1.5% everywhere else, the outdoor gear-heads of the world can sleep soundly in technical tents and featherlite hammocks, knowing the REI Co-op® Mastercard®* supports their outdoor adventure lifestyle.

Why We Like It

Cardholders can earn double rewards during an annual special event period, one $50 credit per year when they book REI experiences on their card and 5% on any donations made to the REI Cooperative Action fund. The REI Co-op® Mastercard®* charges no foreign transaction fees, making it a solid card for international travel, as well.

What We Don’t Like

While it comes with standard Mastercard World Elite benefits, it lacks extra perks beyond those primarily useful for REI customers.

Who It’s Best For

The REI Co-op® Mastercard®* is best for outdoor enthusiasts who regularly buy gear at REI.

Pros & Cons
  • Easy to earn welcome offer
  • 5% back on REI purchases
  • Potentially high APR depending on credit qualification
Card Details
  • Earn 5% back in REI Co-op Mastercard Rewards for every dollar spent at REI
  • Earn 1.5% back in rewards on purchases everywhere else
  • No annual fee and no foreign transaction fees
  • Card rewards never expire and members can redeem rewards as they earn them
  • Earn a $100 REI gift card for new cardholder accounts, after the first out of store purchase, within the first 60 days of using the new card
  • $50 REI Co-op annual statement credit when they use their card to book an REI Co-op Experience
  • Ability to earn double rewards during an annual special event period
  • Ability to choose to display their preferred name on their card
  • Mastercard’s World Elite benefits
Earn a $100 REI gift card for new cardholder accounts, after the first out of store purchase, within the first 60 days of using the new card
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Store Credit Card for Kroger Shoppers

Kroger Rewards World Elite Mastercard® *

Kroger Rewards World Elite Mastercard®
3.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Up to 5X Reward Rate

Earn 5% cash back on eligible mobile wallet purchases for the first $3,000, 1% thereafter; 2% cash back in in-storeRead More

Welcome Bonus

$100 statement credit

Annual Fee

$0

Regular APR

18.49% - 31.49% variable

Credit Score

Good (700 - 749)

Our Expert Take

The Kroger Rewards World Elite Mastercard®* can be rewarding, but only for those comfortable with mobile wallet payments.

Why We Like It

Mobile wallet users can really rack up some points at the beginning of the year. You’ll earn 5% on the first $3,000 spent through Kroger Pay and 5% on other mobile wallet payments. The card charges no foreign transaction fees, which is somewhat unusual for a store card.

What We Don’t Like

Unfortunately, there’s a cap on the highest bonus category rewards. Plus, you’ll only earn the top rewards rate on mobile wallet and Kroger Pay transactions. So if you prefer a physical card, this option will be frustrating.

Who It’s Best For

This card only makes sense for Kroger shoppers who won’t exceed the rewards cap and are open to using a mobile wallet and Kroger Pay. Otherwise, you’ll find more value in other grocery credit cards.

Pros & Cons
  • No annual fee
  • No foreign transaction fees
  • Easy-to-redeem rewards
  • No low introductory APR period
  • Limited cash-back reward categories
  • Highest bonus category rewards are capped
Card Details
  • Earn 5% cash back on eligible mobile wallet purchases for the first $3,000, 1% thereafter
  • Earn 2% cash back in in-store Kroger purchases and 1% cash back on all other eligible purchases
  • Kroger Fuel gas savings
  • No annual fee
Earn a $100 statement credit after spending $500 on the card in the first 90 days.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Store Credit Card for Sears and Kmart Shoppers

Shop Your Way Mastercard® *

Shop Your Way Mastercard®
2.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Up to 5% Reward Rate

Earn 5% in points on eligible purchases at gas stations, 3% at grocery stores and restaurants, 2% at Shop yourRead More

Welcome Bonus

Up to $225 in statement credits

Annual Fee

$0

Regular APR

33.49% variable

Credit Score

Good (700 - 749)

Our Expert Take

The Shop Your Way Mastercard®* offers strong benefits and rewards for the right Sears and Kmart shoppers.

Why We Like It

The Shop Your Way Credit Card offers excellent earning rates on everyday purchases, including gas, groceries and restaurants. Unlike other welcome bonuses, the Shop Your Way Mastercard offers a graduated earning structure so you can earn as you spend. That means you won’t miss out on the entire bonus if you miss it by a few dollars.

The card also offers price protection and extended warranty.

What We Don’t Like

Rewards earned through this card can only be redeemed for merchandise and gift cards. There are also very few Sears and Kmart stores, further limiting your redemption options.

This card also has one of the highest APRs we’ve seen. Most store cards have sky-high interest, but if you ever need to carry a balance, don’t use this card.

Who It’s Best For

The Shop Your Way Credit Card is best for people who spend in the card’s bonus categories without going over the cap and know they’ll be able to redeem their rewards meaningfully with Shop Your Way Merchants or gift cards.

Pros & Cons
  • No annual fee
  • Earns 3% to 5% on everyday bonus categories
  • New cardholders can earn up to $225 in statement credits
  • Shopping protections—-extended warranty and price protection
  • $10,000 cap on bonus earnings outside of Shop Your Way merchants
  • High APR
  • Limited redemption options
Card Details
  • Earn 5% in points on eligible purchases at gas stations and 3% at grocery stores and restaurants on the first combined purchases of $10,000 per calendar year
  • Earn 2% in points at Shop your Way merchants and 1% on all other eligible purchases
  • Financing options on select categories at Sears
  • $0 liability on unauthorized purchases
  • No annual fee
Earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases made in the first 90 days following approval. Offer is valid for new accounts opened through 3/31/25.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Store Credit Card for iPhone Users

Apple Card *

Apple Card
2.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Up to 3X Reward Rate

Earn 3% back on eligible purchases from Apple including the Apple Store, apple.com, the App Store and iTunes; 2% backRead More

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

18.24% to 28.49% variable

Credit Score

Excellent/Good (700 - 749)

Our Expert Take

Those who regularly shop at Apple or use Apple Pay can enjoy the ability to earn cash back across many categories with the Apple Card*.

Why We Like It

Cardholders can grow their Daily Cash in a high-yield savings account. Plus, the physical Apple Card is made out of titanium.

What We Don’t Like

To earn higher rates of cash back, you’ll need to use Apple Pay which requires having Apple hardware.

Who It’s Best For

The Apple Card* is best for Apple enthusiasts and those who frequently use Apple Pay. You’ll likely fare better with a different rewards card if you don’t fit that profile.

Pros & Cons
  • Cash back can be accessed each day
  • Innovative security features
  • No annual fee
  • Unique numberless titanium card
  • Low 1% cash back rate on purchases made outside of Apple or Apple Pay
  • Requires Apple hardware and Apple Pay
  • No welcome bonus
  • Physical card must be requested
Card Details
  • Earn 3% back on eligible purchases from Apple including the Apple Store, apple.com, the App Store and iTunes
  • Earn 2% back on purchases when using Apple Pay
  • Earn 1% back on all other purchases
  • No annual, late,  foreign transaction, penalty or maintenance fees
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Store Credit Card for Instacart

Instacart Mastercard® *

Instacart Mastercard®
2.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Up to 5% Cash Back

Earn 5% cash back on Instacart app and Instacart.com purchases; 5% cash back on travel purchased through Chase Travel; 2%Read More

Welcome Bonus

$50 Instacart Credit

Annual Fee

$0

Regular APR

19.24% - 27.99% Variable

Credit Score

Good, Excellent (700 - 749)

Our Expert Take

Shoppers who use Instacart can benefit from the elevated cash back offered by the Instacart Mastercard®*.

Why We Like It

The Instacart Mastercard®* offers various travel and consumer benefits including an auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, extended warranty, purchase protection and more. The card also gets you access to 5% on purchases made through Chase Travel.

What We Don’t Like

Unfortunately, there’s no bonus grocery category, so if you choose to shop on your own your rewards will be minimal.

Who It’s Best For

The Instacart Mastercard offers stellar rewards for those who shop through Instacart regularly. The rewards for gas and restaurants are also lower than you can find on other cards with no annual fee.

Pros & Cons
  • Generous cash-back rate on Instacart orders
  • Redeem cash back for any amount
  • No annual fee or foreign transaction fee
  • Rate on gas, groceries and streaming is just OK
  • No elevated earnings on non-Instacart groceries, beyond Chase Travel purchases
  • Doesn’t offer a 0% introductory APR period
Card Details
  • $50 Instacart credit upon approval
  • Earn 5% cash back on Instacart purchases through the app and Instacart.com
  • Earn 5% cash back on travel purchased through Chase Travel℠
  • Earn 2% cash back on gas, restaurant and select streaming purchases
  • Earn 1% cash back on all other purchases
  • No annual fee
Get a $50 Instacart credit automatically upon approval
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Methodology for the Best Store Credit Cards

Forbes Advisor looked at dozens of offers to find and rank the best store cards. Factors considered include.

  • Store-specific benefits and rewards
  • Non-store rewards earning
  • Introductory APR offers on purchases and/or balance transfers
  • Welcome bonus
  • Fees
  • Statement credits
  • Rewards redemption options
  • Other ongoing card benefits

Forbes Advisor re-evaluates each credit card list at least every six months to determine if any cards need to be added and/or removed. However, a list could be updated sooner if significant changes are made to the mentioned cards or if a new credit card is announced that’s likely to impact the category.

To learn more about our rating and review methodology and editorial process, check out our guide on how Forbes Advisor rates credit cards.

How Do Store Cards Work?

Each store credit card works differently. But as a general rule, store credit cards offer exclusive perks and discounts that may not be available to regular customers and often offer the ability to earn rewards. If the card is not co-branded with one of the large providers like Visa, Mastercard, Discover, or American Express, the card can likely only be used at that merchant.

When considering whether to apply for a store credit card, it’s essential to read the terms and conditions carefully. Make sure you understand the interest rate, fees and rewards program before you sign up. Also, consider whether you shop at the store frequently enough to make the card worthwhile. If the card charges an annual fee, evaluate how much that will cut into your rewards.

Pros and Cons of Store Credit Cards

Before you consider getting a store credit card, it’s essential to weigh the advantages and disadvantages. Store credit cards are credit cards that are issued by a particular retailer or store. However, like any other financial product, store credit cards have their pros and cons, that vary by card.

Pros of Store Credit Cards Cons of Store Credit Cards
Exclusive discounts and offers. One of the most significant advantages of store credit cards is the exclusive deals available to cardholders. Retailers offer these discounts to encourage customers to use their credit cards to make purchases at their stores. These discounts can range from a percentage off the total purchase to free shipping or free gifts.
High interest rates. The interest rate on store cards can be much higher than that on other credit cards, making it challenging to pay off your balance if you carry one.
Rewards for store purchases. Store credit cards also offer rewards for purchases made at the store. These rewards can be cash back, points or other incentives that can be redeemed for future purchases. The rewards can be a great way to save money on purchases you would have made anyway.
Low credit limits. Store credit cards often have lower credit limits than bank credit cards. This can make it challenging to make larger purchases or to use the card as your primary credit card.
Easier to receive approval. Some store credit cards are easier to gain approval for than traditional credit cards. This is because merchants hope giving you a credit card will generate revenue.
Can tempt you to overspend. Store credit cards can be tempting to use, especially if you are offered exclusive discounts or rewards. However, if you overspend and cannot pay off your balance, you could end up paying high-interest charges.
Potential credit impact. Store credit cards, like any credit card, can damage your credit score if not managed responsibly. Late payments, high balances and maxing out your credit limit can all negatively impact your credit score.

Find The Best Credit Cards For 2025

No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Learn More

How To Get Approved for Store Credit Cards

If you decide that a store credit card is right for you, here are some tips to help you get approved:

  • Maintain a good credit score
  • Apply for a store credit card that matches your credit profile
  • Shop around and compare different store credit cards
  • Apply in-store or online once you’ve completed your research

Key Highlights: How To Pick the Best Store Credit Cards

Before you choose a store credit card, consider the following.

  1. Do your research before applying. Don’t make a hasty decision at the checkout counter. Compare the benefits and drawbacks of different store cards online and read the fine print carefully.
  2. Know the difference between open- and closed-loop cards. Open-loop cards can be used anywhere the network’s payment method is accepted, while closed-loop cards can only be used at the store associated with them. Open-loop cards may offer more flexibility, but closed-loop cards may have more exclusive perks.
  3. Understand how store cards affect your credit. Opening a store card will impact your credit score and report. You may face fees if you miss a payment or high interest rates if you carry a balance. Some store cards also have deferred financing, which means you’ll pay retroactive interest if you don’t pay off the balance in full by a certain date.
  4. Choose a store card that matches your spending habits and goals. Store cards can offer rewards, discounts or special financing on purchases at your favorite store. However, these benefits may not be worth it if you don’t shop there often or if you can find better deals elsewhere.

Ask an expert

Are store credit cards worth it?

Meghan Hunter

Meghan Hunter

Credit Card Expert

Becky Pokora

Becky Pokora

Credit Cards Writer

Clint Proctor

Clint Proctor

Credit Cards Lead Editor

&nbsp

If you’re a frequent shopper at a particular store, the exclusive discounts and rewards could save you money in the long run. However, if you’re prone to overspending or carrying a balance on your credit card, the high interest rates quickly outweigh any benefits.

Meghan Hunter
Meghan Hunter

Credit Card Expert

&nbsp

I’ve never shopped at a single retailer often enough a store card won’t be worth it. If you’re not brand loyal, a flat-rate cash-back card can lead to better rewards without the hassle of holding and tracking specialty credit cards.

Becky Pokora
Becky Pokora

Credit Cards Writer

&nbsp

I would never get a “closed loop” store credit card that can only be used at the respective retailer. However, a store card that works everywhere could be worth it if you shop often enough with the merchant, especially if it offers other bonus categories that align with your spending.

Clint Proctor
Clint Proctor

Credit Cards Lead Editor

Frequently Asked Questions (FAQs)

Will a store credit card help me build credit?

If the store card issuer reports account activity to the major credit bureaus, the account will affect your credit—this can be a benefit if used responsibly or a detriment if the account isn’t paid on time or the line of credit is misused.

Will closing store credit cards hurt my credit score?

Closing accounts you’ve maintained for a long time could shorten the length of your longest-held account, which usually has a negative impact on credit. Closing accounts you don’t use could have other benefits, such as reducing the number of accounts you have to manage and account for.

Are store cards easier to receive approval for than other cards?

Not necessarily. Many store credit cards may have a reputation of “easy” approval, and some definitely are. Merchants plan to benefit from your card usage and since many retailers control approval, you could qualify for a store card when you may not receive a traditional card. But this doesn’t mean all store cards are easier to get. Nor does “easy” mean “better.”

When evaluating which cards to apply for, understand that the store cards with the best benefits or highest rewards earning may have more stringent qualifications. If you’re applying for a first credit card, check out our guide to finding a good first fit.

What store credit cards are easy to get with bad credit?

If you have bad credit, getting approved for any credit card might be challenging. However, some store credit cards are more accessible to get than others, even for those with poor credit. Check the recommended credit requirements for a card before you apply. And consider these store cards for bad credit.

How many credit cards is too many?

There is no set number of credit cards that are considered too many, but issuers may limit the number of cards they approve you for based on your credit profile. It’s important to carry only the cards you can manage responsibly while taking into consideration your credit score, payment ability and financial and rewards goals. The right number of cards will vary depending on your financial situation and spending habits.

Next Up In Credit Cards

*The information for the following card(s) has been collected independently by Forbes Advisor: Amazon Visa Credit Card, Disney® Premier Visa® Card, Disney® Visa® Card, Target Circle™ Credit Card, Costco Anywhere Visa® Card by Citi, REI Co-op® Mastercard®, Kroger Rewards World Elite Mastercard®, Shop Your Way Mastercard®, Apple Card, Instacart Mastercard®. The card details on this page have not been reviewed or provided by the card issuer.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
Jenn Underwood
Jenn Underwood
Personal Finance Writer

Credit cards and banking specialist Jenn Underwood brings over 16 years of personal finance experience to the table. After a decade of teaching courses in banking, debt reduction, budgeting and credit improvement, she moved into writing content and fintech product development. Over the last four years, Jenn has contributed to Forbes Advisor and a variety of fintech companies. She has served as a UX consultant, moderated discussions on open banking and been a guest on a number of personal finance podcasts.

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. First, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. Second, we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our partners who offer products that we have affiliate links for.
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