Home > Credit Card Reviews > The 10 Best In-Store Credit Cards

Comments 0 Comments

Holiday shopping has begun, so we went looking for the best in-store credit cards.

The best in-store credit cards reward shoppers with everyday discounts, cash back rewards, and unique perks. For the all the credit cards we found, not every card offers all three benefits, but they came pretty darn close. Of course, a credit card is still a credit card, so make sure you understand what the terms and conditions are before you pick one up.

Here’s what we found for the best in-store credit cards.

Target REDcard

If you already frequent Target, why not take advantage of 5% off and extended returns with the Target credit card? The card also lets you take 5% off at in-store Starbucks (yum!). And if you can’t make it to the store, the REDcard gives you free shipping on most items from Target.com.

Lowe’s Advantage Card

Like the Target REDcard, the Lowe’s Advantage card will save you an extra 5% on in-store purchases, and if you’re looking to make a big purchase, the card offers special financing. It’s definitely a credit card you want if you’ve got a laundry list of home projects.

TJX Rewards Credit Card

The TJX credit card works at a handful of stores—T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post—and it gives you more than one way to get rewarded. For example, the TJX card gives you 10% off your first in-store purchase and a $10 rewards certificate for every $200 you spend. So if you frequent a TJX store for discounted goods, you might as well get paid for it.

Costco Anywhere Visa

The Costco Anywhere credit card is a definite must for Costco fans. The card gives Costco members 4% cash back on gas, 2% cash back on purchases from Costco and Costco.com, and 1% cash back on everything else. The only downside to this card is that you’ll need a Costco membership to use it.

Walmart Credit Card

If you visit Walmart more than you care to admit, you should check out the Walmart credit card. It offers cardholders 3% cash back on Walmart.com purchases, 2% cash back on Murphy USA and Walmart gas, and 1% cash back on everything else. We’ve also noticed Walmart offers seasonal promotions for cardholders, like 6% cash back on qualified Black Friday purchases.

Nordstrom Card

If you’re all about fashion, then you’ll want to check out the Nordstrom credit card. Its rewards system can seem a little complicated—there are four levels, and the more you spend, the more rewards you get. Nordstrom rewards come in “notes,” which work like credits. You get notes for alterations, no matter what level you are, and you also get a $20 note for every 2,000 points (you get 2 points for every dollar you spend).

Best Buy Credit Card

If you’re looking to get money back on home electronics or appliances, the Best Buy credit card might be your best bet. The card offers 10% cash back on your first purchase, which is the perfect excuse to take home that big-screen TV. Also, the Best Buy credit card offers 5% cash back on future in-store purchases, which means you can save money as you build up your 4K Blu-ray library.

Staples Credit Card

If you’re looking to keep your home or business fully stocked with supplies and goodies, you should check out the Staples credit card. It gives you 5% cash back on everything from Staples (and Staples.com) and includes some interesting perks, like free next-day shipping on orders over $49.99. So if you’re making frequent trips to keep your home or office fully stocked, why not save some extra money with a Staples card?


Gap, Old Navy, Athleta, and Banana Republic all fall under the Gap credit card, which offers a 20% first-purchase discount, 10% off everyday purchases, and free online shipping with no minimum purchase. The Gap credit card also offers some unique perks for select stores, like free (basic) alterations at Banana Republic.

Pottery Barn Credit Card

If you’re looking to spruce up your home or apartment, the Pottery Barn credit card can save you some serious dough. The card offers a $25 store credit for every $250 you spend, and you can use that $25 credit at Pottery Barn, Pottery Barn Kids, or PBteen. Also, Pottery Barn rewards its cardholders with promotional sales throughout the year.

Image: istock

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

Credit.com receives compensation for the financial products and services advertised on this site if our users apply for and sign up for any of them.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team