Shopping: America’s favorite pastime. It’s hard to imagine making your next shopping spree more rewarding, but you can! The retail rewards cards below offer rewards earning potential on your everyday purchases. In many cases, rewards can be redeemed for gift cards to your favorite store, statement credits, or travel towards the shopping pilgrimage to the Mall of America you have been dreaming of. No matter your redemption choice, the best retail rewards cards from our partners below will help take your shopping game to the next level.

Discover it® Cash Back

 Good to Excellent

Credit Recommended (670-850)

Apply Now  

Rewards Rate

Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
Earn 1% unlimited cash back on all other purchases – automatically.

At A Glance

Intro BonusCashback Match™ 
Annual Fee$0
Regular APR11.99% – 22.99% variable

Costco Anywhere Visa® Card by Citi


Credit Recommended (740-850)

Apply Now  

Rewards Rate

4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and
1% cash back on all other purchases

At A Glance

Intro BonusN/A
Annual Fee$0
Regular APR15.24% (Variable)

Citi® Double Cash Card


Credit Recommended (740-850)

Apply Now  

Rewards Rate

Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

At A Glance

Intro BonusNo current offer
Annual Fee$0
Regular APR13.99% – 23.99% (Variable)

Discover it® chrome

 Good to Excellent

Credit Recommended (670-850)

Apply Now  

Rewards Rate

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
Earn 1% unlimited cash back on all other purchases – automatically.

At A Glance

Intro BonusCashback Match™ 
Annual Fee$0
Regular APR11.99% – 22.99% variable

NASCAR® Credit Card from Credit One Bank®

 Good to Excellent

Credit Recommended (670-850)

Apply Now  

Rewards Rate

Get Double Cash Back Rewards at the NASCAR Shop, terms apply.
Get 1% Cash Back Rewards on Eligible Purchases*

At A Glance

Intro BonusNo current offer
Annual Fee$0 – $99
Regular APR17.99% – 23.99% variable
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Editorial disclosure: All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Compare Retail Rewards Credit Card Offers

Updated: January 6, 2020

Retail cards can be particularly rewarding, but they can also be confusing, with some only offering store-specific offers, while others provide rewards for myriad purchases.

If you’re a bargain hunter who regularly shops at wholesale warehouses and discount retailers, a high-earning retail credit card could help you buy more with less and turbocharge your savings on everything from gas purchases to home supplies.

The best retail credit cards help you shave costs by offering a substantial amount of cash back on everyday purchases. Some retail credit cards also let you cash in your earnings on gift cards or free travel. Just be sure to check the card’s APR before you apply. Store cards often feature some of the highest APRs in the industry – especially if you pick a card that isn’t co-branded with a card network such as Visa or Mastercard. Here, we talk about:

Learn about the pros and cons of retail cards, building credit with them and more.

Our Best Retail Rewards Credit Cards of 2020: Ratings and Reviews

Card Best For: Annual Fee Staff Review
*^Chase Freedom Unlimited® Unlimited flat-rate cash back $0 3.8 / 5
Discover it® Cash Back Rotating bonus categories $0 4.3 / 5
Costco Anywhere Visa® Card by Citi Warehouse club purchases $0* 2.5 / 5
Discover it® chrome 2% back at restaurants and gas stations** $0 4.1 / 5
NASCAR® Credit Card from Credit One Bank® NASCAR Shop rewards $0 – $99 N/A

*$0 annual fee with your paid Costco membership
*^The information for Chase Freedom Unlimited® has been collected independently by The card details on this page have not been reviewed or provided by the card issuer.
**Up to $1,000 in combined purchases quarterly, then 1%

What Credit Card Experts are Saying

Stefanie O’Connellmillennial money expert,
Favorite retail card: Amazon Prime Rewards Visa Signature card
“As a big city dweller, the Amazon Prime Rewards Visa Signature is the clear winner for me. Prime delivery is a major convenience, as opposed to big box purchases that require a car to transport and space to store, neither of which is practical in many major cities.”

Rebecca Lakepersonal finance writer, and US News & World Report
Favorite retail card: Amazon Prime Rewards Visa Signature card
“The Amazon Prime Rewards Visa Signature card combines a generous rewards rate on purchases with the ability to earn a competitive rewards rate on everyday spending.”

Michelle Schroeder-Gardnerpersonal finance blogger, Making Sense of Cents
Favorite retail card: Sam’s Club Mastercard
“The Sam’s Club Mastercard wins my vote in this round. With a $0 annual fee (and the lowest membership fee required out of the three), along with 5 percent cash back on gas, 3 percent cash back on dining and travel and 1 percent on everything else, this credit card easily wins in my book!”

Matt Schulzchief industry analyst at
Favorite retail card: Costco Anywhere Visa card
“The Costco card not only gives members discounts when they buy from Costco, but it also gives really good cash back returns in other places. Four percent back on gas and 3 percent on travel and dining makes this card really competitive with other cards out there and gives it the slightest edge over the Amazon card.”

Details on the best cards for store purchases

Chase Freedom Unlimited®

With this card, you can earn 1.5% cash back on all purchases. There’s no annual fee and there’s no minimum to redeem cash back.

What we love about this card – While there’s a foreign transaction fee, this card can be paired with one of the Chase Sapphire cards to get boosted points toward travel, making it a great companion to 2 of the best travel cards on the market.

Discover it® Cash Back

Earn 5% back on such rotating categories as restaurants, grocery stores, and, for up to $1,500 in combined purchases each quarter after enrollment. It’s 1% back on everything else.

What we love about this card – The cash back match feature means that on the rotating categories you get 5% back plus another 5% back at the end of your first year. That means that if you spend $500 a month on bonus categories, that comes to $25 a month or $300 for the year, plus another $300 at year end. And, remember that the 1% on other purchases is matched as well.

Costco Anywhere Visa® Card by Citi

Earn 4% back on eligible gas up to $7,000 each year (1% back after that); 3% back on restaurants and eligible travel purchases; and 2% back on Costco and purchases. It’s 1% on all other purchases. While there’s no sign-up bonus, there’s also no annual fee with your Costco membership.

What we love about this card – This card is tops in gas and competitive with restaurants – if you are looking for a card that generously rewards for everyday purchases and you love Costco, this may be the card for you.

Discover it® chrome

Earn 2% back at gas stations and restaurants on up to $1,000 spent each quarter. Although there’s no sign-up bonus, you can earn another 2% on these categories at the end of your first year of card membership.

What we love about this card – If you’re looking for rewards in everyday spending, the Discover it chrome offers that, plus your cash back is matched at the end of your first year.

NASCAR® Credit Card from Credit One Bank®

Earn 2% back on rewards at the NASCAR Shop, although you might do better with a card like the Discover it® Cash Back, which earns 5% on rotating categories and 1% cash back on all other purchases. The NASCAR card offers 1% back on all other eligible purchases.

What we love about this card – For the speed racer in all of us, this card rewards for the NASCAR goodies you crave, and there’s the joy of a card that advertises your passion.

What are retail credit cards and how do they work?

Retail credit cards, or cards affiliated with specific retailers, have suffered in recent years as rewards cards have expanded to offer a wide array of features. But retail cards are working hard to catch up, offering rich rewards for gas, groceries, restaurants, even travel, such as the Costco Anywhere Visa by Citi.

In fact, Experian found that among types of cards that consumers have, retail cards lead with 41% of consumers having one, compared to the next highest, other rewards cards, at 39%.

Heads up that in a recent survey of retail cards we found that 36 cards that we surveyed offer deferred interest promotional deals, which means they charge retroactive interest on the entire purchase price if you don’t pay off the balance within the promotional period. Some 81 retail store cards were surveyed.

One feature not to love about retail cards is the frequently high APR. Experian says consumers have an average of 2.5 retail cards with a balance of $1,841 on those cards, which can hit hard when you are paying up to 30% in interest charges.

Those balances can hit hard when you are also paying up to 30% APR for carrying those balances.

While the retail cards typically have higher APRs than general rewards cards, they also usually don’t have annual fees, which is a plus. Also, they can sometimes be good for a consumer who doesn’t have great credit. Finally, according to our retail card survey, 62 of the 81 cards we looked at offer a rewards bonus, a discount on the first purchase made with the card or both.

How retail cards work

Retail cards work in a similar way to other credit cards: You are accepted in large part because of your credit score. The difference is that you can likely get a card with a lower score than good or excellent.

Most retail cards offer a significant discount, as much as 30%, for the purchases you make that first day at that retailer or ongoing rewards there. Kohl’s Charge takes 30% off your first purchase, for instance.

Some cards also have a relationship with a network, such as Visa or Mastercard, giving you access to any retailer that accepts cards in that network. But check – not all retail cards have this feature. Even with a network partnership, rewards outside of the retailers’ purview may be of limited value, so check.

Some offer features such as a sign-up bonus of $50, as in the case of the Amazon Rewards Visa Signature*, as well as generous rewards for purchases made other than through the retailer.

How a co-branded retail card can work for you: Rewards Visa Signature

Reward Budgeted Total
$50 sign-up $50
5% on Amazon, Whole Foods 5%*$500/mth $300
2% on restaurants 2%*$300/mth $72
2% on gas stations 2%*$300/mth $72
Amazon Prime -$99
Annual fee $0
TOTAL $395

One of the biggest disadvantages to a retail card is the APR, which can be 10 percentage points higher than other cards. For that reason, it is inadvisable to carry a balance on these products.

Consumer Reports warns you not to take out a series of retail cards during the holidays or another special event, because that can cause your credit score to drop precipitously. Instead, research cards and apply for one that you have a high likelihood of getting.

General retail rewards vs. store specific cards

There are a number of ways you can charge at a retailer with a card. In addition to general-purpose rewards cards, there are also co-branded retail cards and store-specific cards or private label cards.

Types of retail cards…

Card type Card Rewards Rate Annual fee Purchase APR Credit required
Co-branded Rewards Visa Signature 3% back at, Whole Foods (5% w/Amazon Prime); 2% back on restaurants, gas stations, drug stores; 1% on all else $0 15.74%-23.74% (Variable) Fair acceptance reported
General-purpose cash back Discover it® Cash Back 5% on rotating categories and 1% cash back on all other purchase $0 11.99%-22.99% (Variable) Good, excellent

While one is great for one-stop shopping, another type typically has a lower APR. Here, we look at the 3 major types of cards that are best for retail purchases:

Different features of retail cards…

Co-branded retail cards Store-specific cards General-purpose cashback cards
Accepted at locations that are in network Can only use at certain retailers Accepted at locations that are in network
Rich rewards for brand loyalty, occasionally other rewards Usually offers deals for first day Rewards for wide variety of shopping
Fair credit may be accepted Fair credit likely accepted Good, excellent credit may be required
Good for one-stop shopping Only for one-stop shopping Good for bargain hunting
Can build credit Can build credit Can build credit
APR can be significantly lower High APR APR can be significantly lower
Typically lower available credit Typically lower available credit Credit limit can be higher

Do store credit cards help build credit?

Whether you opt for a co-branded retail credit card or a general-purpose cashback card, you can build your credit every time you pay on time. Add to that, by paying in full each month, you improve your credit score that much more, because paying in full and on time make up 65% of your credit.

The more you keep on your balance compared to your available credit, the worse it is for your credit score, due to what is called the credit utilization ratio. Check with the card issuer to make sure your good credit habits will be sent to the 3 major credit bureaus – TransUnion, Experian and Equifax.

Also, by paying in full, you avoid paying interest. If you have a $1,000 balance, and you pay the minimum amount required each month with a 25% interest rate, it will take you 78 months to pay it off, and it will cost you $982.96 in interest alone. You’re basically doubling how much you would pay than if you paid in full each month.

What to watch out for with store credit cards

Store cards can offer generous rewards, particularly with your first purchase. However, you’ll want to make sure you’re clear about any pitfalls:

  • Make sure major credit bureaus will be contacted. If your goal is to build credit, make sure the card issuer will be sending your good credit habits to the 3 major credit bureaus, Experian, Equifax and TransUnion.
  • Check what credit range is required. If it’s a card co-branded with a network such as Visa or Mastercard, you may not be able to get the card with a thin credit file. However, a store-specific card is good for someone whose credit isn’t the best.
  • See if it is in a network. Store credit cards will sometimes be co-branded with a network, such as Visa, Mastercard or American Express. If a card is co-branded with a network, it can be used at retailers that accept that network, which means you aren’t limited to a specific retailer. For example, the Gap Visa offers 5X points on Gap purchases and 1X point on all other Visa purchases. However, some cards are store-specific, meaning they can only be used at the specified retailer, such as the GapCard, with a 20% discount and free shipping with your first purchase.
  • What are the rewards? Some retail cards only offer a discount on the day you get the card, so check. Others offer features such as 5% back in some circumstances with the Amazon Rewards Visa Signature. With some, such as the Bed, Bath & Beyond Mastercard, you can earn boosted rewards on such purchases as groceries and gas.
  • What is the purchase APR? With a store-specific card, the APR can be upwards of 30%, so check it. The best way to avoid paying interest is by paying in full each month.

Is a retail rewards card worth it?

Retail cards are good for someone who is trying to improve their credit, but if your goal is to maximize rewards, you’ll need to look closely at your spending habits to decide which card is best for you. Whether you choose a retail card or a general-purpose cashback card, it’s important to know what you’re getting into. For example, retail cards usually don’t have annual fees and can be a co-branded card, so that you can use it at many types of stores, while a cashback card, such as the Blue Cash Preferred®, can have generous rewards for specific types of purchases, such as gas and groceries.

Experian recommends against choosing a retail card while on a shopping trip, and notes that the APR can be double that of a general-purpose card, which averages 16.92%. However, they are great for one-stop and loyalty shopping. Here are some pointers for you to consider when deciding if a store card is a good choice for you:

  • Are you loyal to one brand? If you like the idea of freedom to get rewarded by shopping more than one brand, a retail card may not be a good choice. Retail cards typically reward for brand loyalty, but they may not reward generously (or at all) for general purchases. Instead, a general-purpose cashback card might be best.
  • Do you plan to carry a balance? With APRs averaging 25%, retail cards may not be the best choice if you don’t plan to pay in full each month. That’s because interest charges can add up quickly.
  • Do you have less than amazing credit? A retail card might be a good decision if your credit isn’t its best. But with good or excellent credit, you are more likely to qualify for a cashback card, which will sometimes have a rewarding sign-up bonus and ongoing rewards for a variety of types of shopping. Here is how consumers fare when applying for store-specific cards:


Approvals for store cards…

  •  91%
  • Super-prime consumers
  •  85%
  • Prime consumers
  •  64%
  • Near-prime consumers
  •  10%
  • Sub-prime and deep sub-prime consumers
  •  3%
  • No score

CFPB survey

  • Are you a one-stop shopper? If you like the convenience of shopping at one store, a store-specific retail card can be right for you. However, if you like to hunt for bargains, consider a cashback card.

Closed loop vs. open loop credit cards

While a closed loop card is typically only available at certain locations or retailers, an open loop card is affiliated with a network, such as Visa, Mastercard, Discover or American Express. (Some consider Discover and Amex closed loop because they serve as both card issuer and network.)

Open loop cards aren’t necessarily credit cards, and closed loop cards aren’t necessarily gift cards or debit cards. With an open loop card, the network it is affiliated with allows it to be used at retailers where the network is accepted, while a closed loop card may be for something such as your public transportation system or a specific retailer.

Here is a comparison of closed loop and open loop cards:

Closed loop cards Open loop cards
Does not have network logo Usually has network logo
Accepted only at certain locations Accepted at locations that are in network
Can be a gift, prepaid, debit card Can be a gift, prepaid, debit card
Credit cards issued and processed by same company Credit cards issued and processed by different companies
Can be a store-brand card Can be co-branded card (partnered with network)

Closed loop retail cards…

Card Features
Lowe’s Advantage Card 5% off or 6 months special financing
Amazon Store Card Prime cardholders earn 5% back; up to 24-month financing offers
Ann Taylor Card 5X points in store or online; 15% off every first Tuesday each month; $20 rewards card every $400 spent on Ann Inc. brands

Open loop retail cards…

Card Features
Amazon Rewards Visa Signature $50 gift card; 3% back on Amazon, Whole Foods purchases (5% back with Amazon Prime); 2% on gas stations, restaurants, drug stores
Costco Anywhere Visa by Citi 4% on gas; 3% on restaurants, eligible travel; 2% on Costco purchases; 1% on all other purchases
Macy’s American Express* 20% off when you open account; 3% on restaurants; 2% on gas stations and supermarkets; 1% elsewhere

Other Types of Rewards Categories

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