Store Credit Cards and Department Store Cards

department-store-credit-cardsApply for a store credit card. Good credit, bad credit or no credit. If you like to shop, apply for a store credit card. It is easy to apply for any store card. Just click on your favorite store and apply online. Most store credit cards have a low apr and no annual fees.

If you have no credit or bad credit and are having a difficult time getting approved, you should apply for secured credit cards.

Having good credit will benefit you in the future.  Paying your bills on time and having a high credit score is crucial in maintaining good credit.    Establishing credit should begin when you are young.  Apply for credit cards and get a line of credit and keep in good standings.  This will help you in the future.

Store Credit Cards are easy to apply for.  There are many stores to choose from including Macys, Sears, JCPenny, Boscovs, Lord and Taylor, Nordstrom, Neiman Marcus and more.

When applying for credit cards try to find credit cards with no annual fees and  low interest rates. Explore all credit card offers and find the right one for you.

Are Store Credit Cards a Good Deal?
 Everybody who has been to a retail store has heard the question “Would you like to sign up for our store credit card and save 10% (or more) on every purchase?” The idea sounds enticing. 10-20% off on every purchase, that too without having to pay there and then! The question requires a split-second decision and the next thing you know, you have a store credit card in your pocket. But do you really know what you are up for?
What are Store Credit Cards?
A store credit card is a card given by retail store or chain of stores that is used as a medium of exchange to purchase items from only that particular store on credit. It bears the name of the retail store so it serves as a means of advertisement for the issuer.
Are Store Credit Cards Beneficial?
Store credit cards come with several incentive and perks:
  • Promotions and Discounts
The cardholder can take advantage of exclusive special offers, promotions and discounts. When the store credit card is used as a medium of exchange, the payment for purchases can be made on a later date – maybe the…Read More.
  • Build Credit History 
Issuers of store credit cards are lenient when it comes to the credit history of a consumer before issuing a card. So if you are trying to establish or restore your credit history, a store credit card is a good … Read More
  • Higher Interest Rate
Store credit cards have a higher Average Percentage Rate (APR) than standard credit cards. You might want to consider how much you will …. Read More 
  • Low Credit Limit
On average, a store credit card could have a credit limit as low as $1000. This makes it fairly easy for a consumer to cross the credit limit and hurt … Read More 
  • Lower Credit Score
Applying for a new credit card sets off an inquiry on your credit report that can lower your credit score by …. Read More
To Apply or Not to Apply?
It depends. If you can keep a tab on your expenditure and pay your balances diligently, you can benefit from a store credit card. You might also want to consider how the card measures up against a standard credit card. Also consider alternatives such as reward credit cards.
Do Credit Reports Matter?
Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application. Reviewing credit reports helps you catch signs of identity theft early.  Learn More about Credit Reports.

Top 10 Store Credit Cards

  1. JCPenney
    Your JCPenney Credit Card offers customers best rewards such as earning rewards for every penny spent. Special birthday gifts. Special bonus points. Sales events and offers exclusively to cardmembers.
  2. Walmart
    The Walmart credit card offers many card benefits. No annual fee. When using your card you save five cents per gallon at Walmart gas stations.
  3. Kohls
    With your Kohls Card you can maximize your savings.  Combine discounts with sale prices and offers. 
  4. Sears
    Your Sears Credit Card can be used ast Sears, Kmart and Land’s End in-stores and online.  You will receive monthly savings, valuable coupons and more.
  5. Disney
    Use your disney credit card on everyday purchases and redeem points toward most everything Disney.
  6. Target
    Charge at Target stores or at and save 5% on all purchases. No annual fee.
  7. American Eagle
    Get 15% off the month of your birthday with an American Eagle credit card. Member only sales and events.  Don’t miss it.
  8. Apple Store
    Purchase an Apple Gift Card for any occasion.  Depending on which Apple Gift Card you choose to give, they can be used for Apple products, accessories, music, movies, games, apps, and more.
  9. Bloomingdale’s
    Earn 6 points per dollar in cosmetics and fragrances when you shop with your Bloomingdale’s card.
  10. Victoria’s Secret
    Become an Angel and start enjoying card benefits.  Earn $10 rewards for every 250 points earned.  Exclusive savings for Victoria’s Secret cardmembers.

View ALL Store Credit Cards