8 Easy Store Credit Cards

The TJX Rewards® Platinum Mastercard® is a store credit card designed for frequent shoppers at TJX companies, which include T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense. TJX accepts applications with a fair credit level too and the approval rate is higher for applicants that have a credit score of 620 and above.

The card has a 31.99% variable APR and cardholders with a lower credit score can be considered for a store-only card. There is no annual fee, making it accessible to many shoppers.

It offers 5% back in rewards points for purchases at T.J.Maxx and its affiliated stores; you earn five points for every dollar spent at these stores and one point for every dollar spent elsewhere.

Every 1,000 points can be redeemed for a $10 rewards certificate to spend at TJX stores.

It’s important to note that the interest rate on this card can be on the higher side. If you tend to carry a balance from month to month, the interest charges might outweigh the rewards benefits.

The Lowe’s Advantage Card is a store credit card offered by Lowe’s, a well-known home improvement retailer. It is tailored to provide benefits to customers who frequently shop at Lowe’s for home improvement projects and related purchases. Applicants with credit scores in the lower 600s may also get approved.

The card has no annual fee and has a 28.99% regular APR. There is n intro APR offer but as a welcome bonus, you get 20% off your first purchase up to $100 in savings.

Another benefit is that cardholders receive a 5% discount on eligible purchases, which can translate into significant savings on large home improvement projects.

The Lowe’s Advantage Card often includes special financing options, such as 0% interest for a certain period on qualifying purchases. This allows customers to make larger purchases and pay them off over time without accruing interest, provided the balance is paid in full by the end of the promotional period.

The Amazon Prime Rewards Visa Signature credit card is a great option for those spending a lot at Amazon.com or Whole Foods Market. No other card provides the consistently high rewards this card does when it comes to spending at Amazon.com.

Redeeming rewards is very flexible; you can redeem your rewards on Amazon purchases, through Chase to book travel or buy gift cards, or just simply get cash back in your pocket.

Issued by Chase, the Amazon Prime Rewards Visa Signature credit card comes with a variable APR of 18.99% – 26.99%, no annual fee if you’re an Amazon Prime member ($139 a year), and a $200 Amazon Gift Card when you sign up.

The JCPenney credit card is a store credit card offered by JCPenney, a well-known department store chain in the United States. It is designed to provide benefits to regular JCPenney shoppers.

Cardholders earn points for purchases made at JCPenney stores and online. Typically, you’ll earn one point for every dollar spent, and these points can be converted into rewards certificates to be used on future JCPenney purchases. Sometimes, special promotions may offer additional points.

The card has no annual fee and there is a 0% intro APR for 18 months. The card’s regular APR is 30.99%.

In our view, the JCPenney credit card offers value to frequent JCPenney shoppers, particularly those who take advantage of the special discounts and rewards program. However, it comes with a high interest rate, so the card’s benefits might not appeal to those who don’t shop at JCPenney often.

The REI Co-op® Mastercard® s a co-branded credit card offered by Recreational Equipment, Inc. (REI), in partnership with Mastercard. This card is designed for members of REI’s co-op, particularly those who frequently shop at REI stores or are outdoor enthusiasts.

The card offers 5% cash back on purchases at REI and ‌1% cash back on everyday purchases elsewhere. This is on top of the standard 10% member dividend that REI members receive. The rewards can add up for frequent REI shoppers.

Interest rates start at 18.99% variable APR and you get a $100 gift card as a welcome bonus. There are no foreign transaction fees and cash rewards never expire.

There’s no annual fee for this card, making it accessible to many borrowers. One unique aspect of the REI Co-op® Mastercard® is that REI makes a donation to a selected outdoor nonprofit with each purchase made on the card.

The Bloomingdale’s American Express® Card is a co-branded credit card offered by Bloomingdale’s in partnership with American Express. It’s designed to provide benefits and rewards to regular shoppers at Bloomingdale’s stores.

Cardholders often enjoy exclusive discounts and offers at Bloomingdale’s, such as special sales events or promotional coupons available only to those with the card.

The card comes with a 31.49% APR and a 3% foreign transaction fee. The card has no annual fee but there is a late payment fee of up to $41.

The card offers rewards points for purchases, usually providing higher points for spending at Bloomingdale’s and affiliated stores. These points can be redeemed for future purchases at Bloomingdale’s, allowing loyal customers to save on their favorite items.

The Target REDcard™ credit card is a store credit card offered by Target, a popular retail chain in the United States. It’s designed to provide benefits specifically for those who frequently shop at Target stores or on Target’s website.

The card has no annual fee and a 27.90% variable APR. One of the standout benefits of the Target REDcard™ Credit Card is the 5% discount on most Target purchases. This discount is applied at the time of purchase, providing immediate savings for cardholders.

Cardholders often enjoy free standard shipping on most items purchased at Target.com. This can add convenience and further savings for those who shop online.

The My Best Buy® Visa® card is a credit card offered in partnership between Best Buy, a leading electronics retailer, and Visa. It’s designed to provide benefits and rewards to regular shoppers at Best Buy stores and online.

The card offers a rewards program where cardholders can earn points on Best Buy purchases as well as other everyday purchases like groceries and dining. The points can then be redeemed for Best Buy gift certificates.

The standard version of the My Best Buy® Visa® Card typically has no annual fee, but there might be other versions with an annual fee that offer higher rewards.