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Store credit cards can help frequent shoppers earn meaningful rewards, access exclusive offers, and take advantage of flexible financing. For those who shop regularly at the same retailers, these cards can enhance purchasing power while offering savings that general-purpose cards may not provide.
This updated list features some of the top store credit cards for 2025, chosen for their rewards programs, low fees, and shopping perks.
- How These Store Cards Were Selected
- Comparison Table
- Amazon Prime Visa
- Target RedCard
- Walmart Rewards Card
- Costco Anywhere Visa by Citi
- Home Depot Consumer Credit Card
- Lowe’s Advantage Card
- Apple Installments via Apple Card
- Gap Inc. Credit Card
- Macy’s American Express Card
- Sephora Credit Card
- Tips for Choosing a Store Credit Card
- Summary
- Recommended Reads
How These Store Cards Were Selected
The selections are based on reward value, ease of use, interest rates, fees, and customer satisfaction. Ratings and details have been verified using data from 2025 issuer terms and reputable sources including Bankrate, NerdWallet, and The Points Guy.
Comparison Table
| Card | Best For | Rewards Rate | APR | Annual Fee |
|---|---|---|---|---|
| Amazon Prime Visa | Amazon and Whole Foods | 5% at Amazon and Whole Foods | 19.49% to 27.49% | $0 with Prime |
| Target RedCard | Target shoppers | 5% off purchases | 29.95% | $0 |
| Costco Anywhere Visa | Gas and warehouse shopping | 4% gas, 2% Costco | 20.49% | $0 with membership |
| Walmart Rewards Card | Walmart shopping | Up to 5% at Walmart online | 17.99% to 29.74% | $0 |
| Home Depot Consumer Card | Home improvement financing | Promo financing only | 17.99% to 26.99% | $0 |
| Lowe’s Advantage Card | Lowe’s purchases | 5% off or financing | 26.99% | $0 |
| Apple Installments via Apple Card | Apple product financing | 0% interest with Apple Pay | 15.99% to 26.99% | $0 |
| Gap Inc. Credit Card | Gap family brands | 5x at Gap, Old Navy, more | 29.99% | $0 |
| Macy’s American Express Card | Macy’s shoppers | 3x at Macy’s | 28.49% | $0 |
| Sephora Credit Card | Beauty shopping | 3x at Sephora | 29.99% | $0 |
Amazon Prime Visa
Ideal for Amazon and Whole Foods shoppers, this card offers 5 percent back on all purchases at both retailers. Cardholders also earn 2 percent back at restaurants, gas stations, and drugstores, and 1 percent elsewhere. There are no foreign transaction fees, and points can be used directly at checkout on Amazon.
A Prime membership is required to access full rewards. For loyal Amazon customers, this card offers long-term value.
Target RedCard
Target’s RedCard provides a 5 percent discount on all purchases in-store and online. It also includes free shipping on many online orders and an extended return period. These savings make a difference for frequent Target shoppers.
While the APR is high, paying the balance in full avoids interest charges.
Walmart Rewards Card
This card earns 5 percent back on Walmart.com and app purchases, 2 percent on in-store shopping and fuel, and 1 percent everywhere else if upgraded to the Mastercard version. It includes special offers for cardholders and alerts for limited-time deals.
No annual fee adds to the appeal, especially for digital Walmart shoppers.
Costco Anywhere Visa by Citi
Costco’s card earns 4 percent back on gas for the first $7,000 annually, 3 percent on dining and travel, 2 percent at Costco, and 1 percent elsewhere. There is no annual fee beyond the required Costco membership.
It provides strong cashback on everyday categories beyond Costco, especially gas and restaurants.
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Home Depot Consumer Credit Card
Designed for shoppers tackling home projects, this card provides six months of no-interest financing on purchases over $299. Longer financing promotions are available during special sales events.
It does not earn ongoing cashback, but it can help with budgeting large home improvement expenses.
Lowe’s Advantage Card
Lowe’s card gives shoppers 5 percent off all purchases or access to deferred interest financing. No annual fee and exclusive promotions during select months make this a valuable card for those working on regular home upgrades.
It is best suited for those who pay off purchases quickly or plan high-cost projects.
Apple Installments via Apple Card
Apple’s installment plan lets buyers split device costs into monthly payments with no interest when using Apple Card and Apple Pay. It offers predictable budgeting and immediate access to new devices.
There are also cashback rewards when purchasing directly from Apple, making it an efficient option for frequent tech upgrades.
Gap Inc. Credit Card
This card rewards shopping at Gap, Old Navy, Banana Republic, and Athleta with 5 points per dollar spent. Points can be used for discounts at any brand under the Gap Inc. umbrella.
There is no annual fee, and promotions include early access to sales and member-only discounts.
Macy’s American Express Card
Shoppers earn 3 points per dollar at Macy’s, 2 points at restaurants, gas stations, and grocery stores, and 1 point everywhere else. Points are redeemable through the Star Rewards program.
It also includes travel-related benefits and no foreign transaction fees, offering extra value beyond Macy’s.
Sephora Credit Card
The Sephora card gives 3 points per dollar at Sephora stores and online. Cardholders also receive 1 point per dollar elsewhere if using the Visa version. Access to bonus point events and special promotions are included.
It integrates directly with Sephora’s Beauty Insider program and has no annual fee.
Tips for Choosing a Store Credit Card
Shop frequently at a single retailer? Prioritize cards with high cashback or exclusive discounts.
Planning to finance a large purchase? Look for promotional or deferred interest offers.
Want to use the card more broadly? Choose a co-branded version accepted outside the store.
Concerned about interest charges? Avoid carrying a balance, especially with cards that have variable APRs above 25 percent.
Summary
Store credit cards can provide long-term value when used wisely. From cashback and special promotions to financing and exclusive access, they support smarter spending at favorite retailers. The best choice depends on where most purchases are made and how balances are managed.
For consistent shoppers, pairing the right card with a disciplined payment approach can help stretch every dollar further while building a stronger credit profile.
Reviewed and edited by Albert Fang.
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Article Title: Best Store Credit Cards
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