By need · 14 cards ranked

Best Store & Retail Credit Cards in the United States 2026

Retailer cards ranked on discount, rewards and whether the APR is worth it.

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Ranked 1–10 at a glance

RankCardAnnual feeRewardsWelcome offerForeign feeWho qualifiesScore
1
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+) 4.7
2
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+) 4.3
3
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+) 4.2
4
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+) 4.1
5
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+) 4.1
6
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+) 4.0
7
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+) 4.0
8
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+) 4.0
9
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+) 3.9
10
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+) 3.9

The full list: 14 cards

Ranked by editorial score. Scroll the table on smaller screens.

RankCardAnnual feeRewardsWelcome offerForeign feeWho qualifiesScore
11
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+) 3.9
12
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+) 3.9
13
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+) 3.8
14
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+) 3.8