Prime Visa (Amazon)
Amazon Prime members and frequent online shoppers
Annual feeNone
Who qualifiesGood (690+)
MarketUSA
By need · 15 cards ranked
Best Store & Retail Credit Cards 2026
Retailer cards ranked on discount, rewards and whether the APR is worth it.
Advertiser disclosure: we may earn a commission when you apply through links on this page. Rankings are editorial and not influenced by compensation. How we make money · How we rank
Tata Neu Infinity HDFC Bank Credit Card
Regular shoppers on Tata Neu and partner Tata brands who spend ₹3 lakh a year
Annual fee₹1,499/yr
Who qualifiesSalaried: ₹1 lakh mont…
MarketIndia
Target RedCard Credit Card
Regular Target shoppers
Annual feeNone
Who qualifiesFair to Good (640+)
MarketUSA
Ranked 1–10 at a glance
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 2 | HHDFC BankTata Neu Infinity₹1,499/yr · IN Tata Neu Infinity HDFC Bank Credit CardRegular shoppers on Tata Neu and partner Tata brands who spend ₹3 lakh a year |
₹1,499/yr | 5% back as NeuCoins on Tata Neu and partner Tata brands (non-EMI); an extra 5% o… | 1,499 NeuCoins on the first transaction within 30 days of ca… | 3.5% of the transaction va… | Salaried: ₹1 lakh monthly income… | |
| 3 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 4 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) | |
| 5 | W/Walmart / OnePayOnePay Walmart Cash BackNo annual fee · US OnePay (Walmart) Cash Back CardRegular Walmart shoppers |
None | Elevated cash back on Walmart purchases (in store, online & fuel) plus a base ra… | Promotional cash back for new members | Varies | Fair to Good (640+) | |
| 6 | RCREI Co-opMastercardNo annual fee · US REI Co-op MastercardOutdoor gear buyers and REI co-op members |
None | 5% back on REI purchases (in addition to the annual member dividend), 2% on dini… | REI gift card bonus for new cardholders after a qualifying p… | None | Good (690+) | |
| 7 | L/Lowe's / SynchronyLowe's AdvantageNo annual fee · US Lowe's Advantage CardHomeowners doing renovation projects at Lowe's |
None | 5% off eligible in-store & online purchases, or special financing on big project… | Discount on first purchase | N/A | Fair to Good (640+) | |
| 8 | BBBest BuyMy VisaNo annual fee · US My Best Buy Visa CardFrequent Best Buy shoppers and electronics buyers |
None | Up to 5% back in rewards at Best Buy, plus elevated rewards on gas, dining and g… | Bonus reward certificate for new cardholders | None | Good (690+) | |
| 9 | VVerizonVisaNo annual fee · US Verizon Visa CardVerizon customers who want to offset their phone bill |
None | 4% on grocery and gas, 3% on dining, 2% on Verizon purchases, 1% on everything e… | Verizon Dollars bonus for new cardholders after meeting the… | None | Good (690+) | |
| 10 | SSynchronyGap Good Rewards VisaNo annual fee · US Gap Good Rewards Visa Credit CardShoppers loyal to Gap, Old Navy, Banana Republic and Athleta |
None | 5 points per $1 at Gap, Old Navy, Banana Republic and Athleta, and 1 point per $… | Bonus points or discount on your first purchase as a new car… | None | Fair to Good (640+) |
The full list: 15 cards
Ranked by editorial score. Scroll the table on smaller screens.
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 11 | MMacy'sMacy's American Express CardNo annual fee · US Macy's American Express CardRegular Macy's shoppers who want everyday rewards too |
None | Up to 5% back in Star Money at Macy's (varies by loyalty tier), plus cash back o… | Extra savings on your first Macy's purchase as a new cardhol… | None | Fair to Good (640+) | |
| 12 | NNordstromNordstrom Credit CardNo annual fee · US Nordstrom Credit CardNordstrom loyalists who value early sale access |
None | 3 points per $1 at Nordstrom and Nordstrom Rack; the Visa version also earns 2x… | Bonus Nordstrom Notes for new cardholders after first purcha… | None | Good (690+) | |
| 13 | SSynchronyHOMENo annual fee · US Synchrony HOME Credit CardFurnishing or renovating a home across many retailers |
None | 2% cash back on eligible purchases under $299 at participating retailers, or pro… | None | N/A (network of home retai… | Fair to Good (640+) | |
| 14 | KKohl'sKohl's CardNo annual fee · US Kohl's CardFrequent Kohl's shoppers who chase coupons and Kohl's Cash |
None | No flat rewards rate; benefits come from exclusive cardholder discount offers an… | Percentage off your first Kohl's purchase as a new cardholde… | N/A (store card) | Fair (640+) | |
| 15 | SSynchronyOld NavyNo annual fee · US Old Navy Credit CardFrequent Old Navy and Gap-family shoppers |
None | 5 points per $1 at Old Navy, Gap, Banana Republic and Athleta; the Visa version… | Discount on your first purchase as a new cardholder | None | Fair to Good (640+) |