[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]
Whether you’re a fashion-focused socialite or a busy parent with growing kids, clothing expenses can make up a big chunk of your overall spending. Some credit cards can help you afford clothes and earn rewards as you shop for fresh threads.
Here are two credit cards you can use to stock your wardrobe.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Enjoy new 5% categories each quarter
- Unlimited 1% cash back on all other purchases - it's automatic
- Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
Card Details +
Rewards: 5% cash back on up to $1,500 in purchases per quarter for rotating categories and 1% cash back on other purchases.
Signup Bonus: $150 bonus cash if you spend $500 in the first three months.
Annual Fee: $0
APR: 0% for 15 months on purchases, then 17.24% - 25.99% Variable APR.
Why We Picked It: This quarter, purchases at qualifying stores earn 5% cash back.
For Your Wardrobe: Through the end of 2017, the bonus category is Walmart and department store purchases. Any clothes you buy at these retailers will earn 5% cash back.
Drawbacks: You’ll have to keep track of the rotating categories each quarter.
Rewards: Unlimited 1.5% cash back on every purchase, every day.
Sign-Up Bonus: One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
Annual Fee: $0
APR: 0% intro on purchases for 15 months with an ongoing APR of 15.24% - 25.24% (Variable)
Why We Picked It: You shop, you earn cash back you can use to shop some more.
For Your Wardrobe: That $150 sign-up bonus could buy a nice new pair of shoes.
Drawbacks: This isn’t the highest earning cash-back card available out there, still, it’s solid.
How to Choose the Right Credit Card for Stocking Your Wardrobe
You should choose a credit card that rewards the types of purchases you tend to make. Some credit cards focus on department stores, while others may reward online purchases. If you tend to shop around, a credit card with a flat cash back rate on every purchase might be a great fit.
Some credit card companies have online marketplaces that offer exclusive discounts or increased rewards at select retailers, including department stores and leading fashion brands. You can get deals, coupons, or even extra cash back by shopping at participating stores. For any card you’re considering, check to see if the issuer has an online marketplace that features your favorite brands.
You may be tempted to apply for a store credit card at your favorite retailer. But be careful—store credit cards often have higher fees and interest rates, can’t be used at other stores, and have unimpressive rewards compared to major credit card brands.
What Credit Is Required for a Card to Shop for Clothes?
The best rewards credit cards require good to excellent credit. Make sure to check your credit score before you apply, since you’ll want to be confident about your chances of getting approved. You can check your credit report free at Credit.com.
At publishing time, the Chase Freedom card, and the Capital One Quicksilver Cash Rewards credit card are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved, or otherwise endorsed by the issuer(s).
Note: It’s important to remember that interest rates, fees, and terms for credit cards, loans, and other financial products frequently change. As a result, rates, fees, and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees, and terms with credit card issuers, banks, or other financial institutions directly.