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Guide to the 12 Top Store Credit Cards and Their Advantages We're talking rewards galore

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Guide to the 12 Top Store Credit Cards and Their Advantages We're talking rewards galore

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Store credit cards can be a great solution for customers who like to do a lot of shopping in one location, and who might not have the best credit scores. These cards often have lower credit limits than general-purpose credit cards, and some store credit cards also carry the Visa or Mastercard brand, allowing you to shop with them anywhere. Another perk is that store credit cards offer cash-back rewards and often provide discounts or special offers.

12 of the Best Store Credit Cards Available Today

  • Amazon Prime Credit Card
    Amazon Store cardholders who join Prime get upgraded to the Amazon Prime Store Card, which carries with it all the benefits of being a Prime member, including free two-day shipping on many items as well as some other financial goodies. For example, you don’t pay a fee for the card, and you get 5 percent cash back on all Amazon purchases. Even better, that 5 percent offer doesn’t have a purchase limit, as many similar cash back offers do. Right now, get a $40 Amazon gift card upon approval.
  • Costco Visa
    The nationwide membership giant Costco is well-known for issuing rewards to many of its members, and those who use Costco Visa, issued through Citibank, can take advantage of those. Get ready to earn 4 percent back on all gasoline purchases, 3 percent on restaurants and eligible travel, 2 percent back on purchases at Costco and Costco.com, and 1 percent on everything else. The first seven months for new cardmembers have an APR of 0 percent but 16.49 percent after. Your rewards come once a year as a voucher, which is good at any Costco store.
  • Target REDcard
    Target offers both credit and debit cards, and both come with a 5 percent discount on most in-store and online purchases (excluding prescriptions, various clinic services and certain in-store restaurant food). You also get extended returns, with 30 days added to the regular return policy. The Target REDcard also has no annual fee, and it’s chip- and PIN-protected for greater security. If you’re shopping online at Target’s website, you enjoy free shipping.
  • Gap / Banana Republic / Old Navy Visa
    This store credit card is also a standard card that’s good anywhere that takes Visa, but it has special benefits at any of the stores in the Gap chain. You get 5 points (worth 5 cents) for every dollar you spend at Gap stores (including the online stores), which amounts to a 5 percent discount. You also get special deals—20 percent off your first Gap or Gap Factory purchase, 10 percent off every day at Gap and no receipt necessary for returns. If you spend $1,000 in one year at Gap and Gap family brands, you unlock a whole new level of bonuses, including free shipping.
  • L.L.Bean Visa
    This is another Visa that’s good wherever Visa is accepted, and it features cash back rewards on every penny you spend, not just on your purchases at the L.L.Bean store. You get 3 percent off L.L.Bean purchases and 1 percent everywhere else. Your rewards come in the form of gift coupons that you can use for more L.L.Bean gear. You also get 10 percent discounts at L.L.Bean’s Outdoor Discovery Schools, plus free return shipping, free monogramming and access to exclusive offers. If your application is instantly approved, you get 15 percent off your first purchase.
  • TJX MasterCard
    Did you realize that T.J. Maxx, HomeGoods, Marshalls and Sierra Trading Post are all essentially the same store? Because of that, you can use the store credit cards to shop at all the outlets, including online. Yes, there’s a reward: You earn $10 in rewards certificates for every $200 you spend with no cap. You also get 10 percent off your first in-store purchase.
  • Lowe’s Store Credit Cards
    If you love working on your home or yard, a Lowe’s card might make a lot of sense. It offers the standard 5 percent off all purchases, but with a twist. If you need to finance a purchase that’s larger than usual, you can trade in those rewards for 0 percent financing on purchases over $299. Lowe’s doesn’t charge any fees for its in-house credit card.
  • Barnes & Noble Mastercard
    Your first 15 months enjoy an introductory APR of 0 percent with the Barnes & Noble Mastercard, and you also get that industry-standard 5 percent reward (though just on B&N purchases), two points per dollar at restaurants and one point per dollar for purchases at other merchants. Your first purchase earns you a $25 gift card, and every time you earn 2,500 points you get another $25. Earn 7,500 points and you’ll get 12 months of B&N membership free.
  • Best Buy Visa
    If you buy a lot of electronics, entertainment and media, or related accessories, a Best Buy Visa card can give you rewards you can really use. Flexible financing allows your interest rate to be reduced for anywhere from six to 48 months, and you get 10 percent of your initial purchase back in rewards. Reward points are generous (get 2 percent on dining and groceries; 1 percent on everything else), and card members also get exclusive offers year-round. When you purchase at BestBuy.com, take advantage of free shipping on purchases of $35 and up.
  • Walmart Card
    You can probably cross a lot of your shopping list off at Walmart, which may make a Walmart store card a great choice. Start off with a 0 percent introductory APR and a $25 cash back reward on your first purchase of $75 or more. Save 3 percent on Walmart.com purchases, 2 percent buying gas at a Walmart station and 1 percent wherever your card is accepted. If you get your statement electronically, you have access to your FICO score for free.
  • Staples Credit Card
    Keep your office well-stocked using your Staples credit card. This card offers benefits similar to those of the other top store credit cards: 5 percent cash back rewards on all purchases and no annual fee. If you join the Staples Rewards program, you also receive free next-day delivery (on orders over $49.99), so you never have to take out time to head to the brick-and-mortar Staples in your neighborhood.
  • Overstock.com Store Credit Card
    The expansive website Overstock.com carries everything from clothing and jewelry to artwork and furniture. If you shop there a lot, consider the site’s proprietary credit card, which offers an introductory financing rate, no annual fee and a 10 percent discount on your first purchase, as well as promotional offers.

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