3 Retail Store Credit Cards Worth Checking Out

It seems like every single store offers their own specific credit card, but it’s important to only sign up for those that will help you out in the long run. These three are sure bets that will benefit you.

Not all cards are created equal, and when it comes to retail store credit cards you have to read the fine print to determine whether a card is going to do more than support your shopping habit.

We've looked at some of the biggest retail store credit cards out there to determine which ones are worth signing up for and which to pass on.

Target’s REDcard

This card is great for frequent shoppers. Its perks include an extra 5% off and free shipping through target.com, as well as an extra 30 days to make returns

Target offers a Target Debit Card, a Target Credit Card and a Target Visa Credit Card, so there’s a card for everyone. Those who fill prescriptions at Target will save even more: for every five eligible prescriptions filled, shoppers earn an additional 5% off.

Walmart Discover Credit Card

Walmart offers two credit cards, the Walmart Credit Card and the Walmart Discover Card.

The Walmart Credit Card offers $0.15 off per gallon of gas at Walmart gas stations, allows card holders to receive monthly FICO Scores, provides cash advances and has no annual fee.

The Walmart Discover card offers all of this plus 1% cash back on all purchases and works as a regular credit card and is accepted everywhere that accepts Discover card, meaning card holders can use it for more than Walmart purchases.

Amazon Store Card 

Amazon offers two personal credit cards, the Amazon.com Store Card and the Amazon.com Rewards Visa Card. The Store Card offers special financing to those who pay off their full balances in under 6 months and has no annual fee.

The APR is 25.99% which is on par for most store credit cards, but only kicks in if your balance is not paid off within the terms that they specify.

The Amazon.com Rewards Visa Card offers more: those who are approved receive a $30 Amazon.com gift card and can earn points– For every $1 spent on Amazon.com, the user receives 3 points.

For every $1 spent at gas stations, restaurants and drug stores, the user receives 2 points, and for every $1 spent anywhere else, they earn 1 point. Points do not expire and for every 100 points earned, the card holder will get $1 off an Amazon.com purchase.

Users must be aware of this card’s APR though; fees are hefty and vary depending on whether it’s a purchase, a balance transfer or a cash advance.