What are the best store cards for shoppers? A store credit card is a credit card that can only be used to make purchases from one retailer or a group of retailers. Read on to more about the most reliable store cards for shoppers.
Countless store cards also offer large first-purchase discounts and lucrative ongoing rewards (some cards are from WalletHub partners).
The Best Store Cards for Shoppers
Using the right credit card when you shop can save you money on every purchase. Some of the best credit cards for shopping can snag you savings of as much as 5% or more.
All of the best store credit card offers have $0 annual fees and allow cardholders to earn a lot of rewards.
There are plenty of great offers, too. In general, store credit cards are known for big discounts on the day of account opening, ongoing benefits for loyal customers, low fees, and fairly lenient approval requirements.
7 Best Store Credit Cards for Shoppers
- Capital One SavorOne Cash Rewards Credit Card View Here
- Amazon Rewards Visa Signature Card View Here
- Target RedCard View Here
- Wayfair Mastercard View Here
- Capital One Walmart Rewards Mastercard View Here
Capital One SavorOne Cash Rewards Credit Card
This is one of the best cards for Walmart shoppers. The Walmart shoppers’ rewards Mastercard offers shoppers good rewards for their online Walmart purchases. The card can be used anywhere Mastercard is accepted, but cardholders will only earn 1% cashback for those purchases.
For the Rewards and Redemption details, you Earn 5% cashback on Walmart.com purchases, including pickup and delivery. Earn 2% cash back in Walmart stores & fuel stations, at restaurants, and on travel, and earn 1% cashback everywhere else Mastercard; is accepted.
Reward Rate: Earn 5% cashback on Walmart.com purchases, including pickup and delivery.
Earn 2% cashback in Walmart stores & fuel stations, at restaurants, and on travel.
Cardholders earn 1% back everywhere Mastercard is accepted or used.
Annual Fee: The annual fee is $0
APR: 17.99%-26.99% (Variable)
Intro Bonus: Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
Amazon Rewards Visa Signature Card
This card is best for the store overall. If you are a regular Amazon shopper, the Amazon Rewards Visa Signature should be an easy decision. The card can help protect your purchases with its Extended Warranty and Purchase Protection perks.
Cardholders will earn an impressive cashback rate for Amazon and Whole Foods buying for no annual fee or membership. Cardholders get a $50 Amazon gift card upon approval if you need more incentives.
Reward Rate: 3% Back at Amazon.com and Whole Foods Market
2% Back at restaurants, gas stations, and drugstores
1% Back on all other purchases
Annual fee: N/A
APR: 14.24% – 22.24% (Variable)
Transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Transfer APR: 14.24% – 22.24% (Variable)
Late Fee: Up to $39
Target RedCard Card
The Target card is a great way to earn a solid cash back rate for all your purchases. At no annual fee, 5% cashback is an impressive rate. However, cardholders are limited to only using it at Target.
Once you get this card for store shopping, you will benefit from two-day shipping, 5% cashback for target purchases, and exclusive offers
You can use the card to purchase gift cards for other retailers and earn 5% cashback from them. This is, cardholders can still earn rewards for non-Target purchases.
Reward rate: N/A
Annual fee: $0
APR: 22.90% (Variable)
Late Fee: Up to $40
Wayfair Mastercard
The Wayfair Mastercard is one of the best choices for store credit shoppers. It will earn rewards for new dining sets, and also use the card for groceries if you don’t have a dedicated card that earns more.
The card has a bit of versatility when it comes time to order. For every Wayfair purchase, you can choose to either earn rewards or utilize a deferred financing option where you can pay the purchase down with no interest.
Reward Rate: you will earn 5% back in Rewards at Wayfair
Annual fee: $0
APR: 27.24% Variable
As a bonus: you will receive $40 off your qualifying first order if it is at least $250
Capital One Walmart Rewards Mastercard
The Walmart rewards Mastercard offers shoppers good rewards for their online Walmart purchases. The card can be used anywhere Mastercard is accepted, but users will only earn 1% cashback for those purchases.
For Rewards and redemption details, you will earn 5% cashback on Walmart.com purchases, including pickup and delivery, 2% cashback in Walmart stores & fuel stations, at restaurants, and travel, and 1% cashback everywhere else Mastercard® is accepted.
Reward Rate: 5% for pickup and delivery, and cashback on Walmart.com Purchases
2% cashback in Walmart stores and fuel stations, at restaurants & on travel.
1% cash back everywhere Mastercard®.
APR: 17.99% – 26.99% (Variable)
Intro Bonus: Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
The annual fee is $0
Conclusion
Choosing the right credit card for your shopping needs can help you to maximize rewards, receive lucrative benefits, or better protect your purchases.
