Holiday shopping has begun, so we went looking for the best in-store credit cards.
The best in-store credit cards reward shoppers with everyday discounts, cash back rewards, and unique perks. For the all the credit cards we found, not every card offers all three benefits, but they came pretty darn close. Of course, a credit card is still a credit card, so make sure you understand what the terms and conditions are before you pick one up.
Here’s what we found for the best in-store credit cards.
If you already frequent Target, why not take advantage of 5% off and extended returns with the Target credit card? The card also lets you take 5% off at in-store Starbucks (yum!). And if you can’t make it to the store, the REDcard gives you free shipping on most items from Target.com.
Lowe’s Advantage Card
Like the Target REDcard, the Lowe’s Advantage card will save you an extra 5% on in-store purchases, and if you’re looking to make a big purchase, the card offers special financing. It’s definitely a credit card you want if you’ve got a laundry list of home projects.
TJX Rewards Credit Card
The TJX credit card works at a handful of stores—T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post—and it gives you more than one way to get rewarded. For example, the TJX card gives you 10% off your first in-store purchase and a $10 rewards certificate for every $200 you spend. So if you frequent a TJX store for discounted goods, you might as well get paid for it.
Costco Anywhere Visa
The Costco Anywhere credit card is a definite must for Costco fans. The card gives Costco members 4% cash back on gas, 2% cash back on purchases from Costco and Costco.com, and 1% cash back on everything else. The only downside to this card is that you’ll need a Costco membership to use it.
Walmart Credit Card
If you visit Walmart more than you care to admit, you should check out the Walmart credit card. It offers cardholders 3% cash back on Walmart.com purchases, 2% cash back on Murphy USA and Walmart gas, and 1% cash back on everything else. We’ve also noticed Walmart offers seasonal promotions for cardholders, like 6% cash back on qualified Black Friday purchases.
If you’re all about fashion, then you’ll want to check out the Nordstrom credit card. Its rewards system can seem a little complicated—there are four levels, and the more you spend, the more rewards you get. Nordstrom rewards come in “notes,” which work like credits. You get notes for alterations, no matter what level you are, and you also get a $20 note for every 2,000 points (you get 2 points for every dollar you spend).
Best Buy Credit Card
If you’re looking to get money back on home electronics or appliances, the Best Buy credit card might be your best bet. The card offers 10% cash back on your first purchase, which is the perfect excuse to take home that big-screen TV. Also, the Best Buy credit card offers 5% cash back on future in-store purchases, which means you can save money as you build up your 4K Blu-ray library.
Staples Credit Card
If you’re looking to keep your home or business fully stocked with supplies and goodies, you should check out the Staples credit card. It gives you 5% cash back on everything from Staples (and Staples.com) and includes some interesting perks, like free next-day shipping on orders over $49.99. So if you’re making frequent trips to keep your home or office fully stocked, why not save some extra money with a Staples card?
Gap, Old Navy, Athleta, and Banana Republic all fall under the Gap credit card, which offers a 20% first-purchase discount, 10% off everyday purchases, and free online shipping with no minimum purchase. The Gap credit card also offers some unique perks for select stores, like free (basic) alterations at Banana Republic.
Pottery Barn Credit Card
If you’re looking to spruce up your home or apartment, the Pottery Barn credit card can save you some serious dough. The card offers a $25 store credit for every $250 you spend, and you can use that $25 credit at Pottery Barn, Pottery Barn Kids, or PBteen. Also, Pottery Barn rewards its cardholders with promotional sales throughout the year.