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Our team reviewed store-issued credit cards from all the top retailers in the nation, rating each based on features, terms, and buying power. Below are our picks for the best store credit cards of 2024, along with smarter alternatives for rewards cards you can use at any store.
They also offer tempting store credit cards that make it easy to swipe through every department in the store — and right through your budget, too, with high APRs. Plus, as with most store cards, department store credit cards are closed-loop.
Kohl's Card Overall Rating: 3.7/5.0. The store’s credit card is called the Kohl’s Card. It’s a “closed-loop” store card, meaning you can use it only at Kohl’s. The interest rate is quite high — 30.99% as of October 2023 — so you may want to avoid carrying a balance on your Kohl's card.
T.J. Maxx Card Overall Rating: 2.5/5.0. In the wide world of store cards, you can expect to see fairly high interest rates, but the TJX Rewards Credit Card takes it a little too far, charging a massive 27.99% APR for new purchases.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Offering a variety of perks and benefits perfect for the devout Macy's shopper, the Macy's Credit Card can be used to earn rewards on purchases made in-store, at Macys.com, or through Macy's Backstage.
With a puny 1.3% average rewards return, the Dillard's Credit Card is barely more valuable than the typical rewards credit card's base 1% cash back rate — and many cards are available with unlimited 1.5% to 2% cash back on every purchase, everywhere, including Dillard's.
Target offers two versions of its credit card, the closed-loop version for applicants with fair credit, and the Mastercard version for people with good credit. Consumers with credit scores as low as 580 report being approved for credit limits starting at $250.
Designed for dedicated Old Navy shoppers, the Old Navy Credit Card provides an easy way to earn rewards and savings on your purchases at any Gap Inc. brand location, both in-store and online. This means you can shop — and earn rewards — on any Old Navy, GAP, Banana Republic, or Athleta purchase made with your Old Navy card.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.