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The one thing you don’t want to do with a store credit card is carry a balance from month to month.Most have very high APRs, and those that offer 0% financing use a dangerous feature called deferred interest.It basically means that if you pay your bill late or don’t pay off your full balance by the end of the promotional financing period, interest charges will be retroactively applied to your entire original purchase amount.

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There are many different types of store credit cards, just like there are many different types of stores.

This includes discount-store credit cards, online store credit cards and much more.

Fees and approval requirements don’t provide any basis for comparison because none of the cards we considered charge an annual fee and all require at least fair credit for approval.

Based on this analysis, here are the best department store cards on the market right now: Store credit cards can only be used at the retailers they’re affiliated with.


  1. WALLETHUB'S BEST STORE CREDIT CARDS OF 2018. We work hard to show you up-to-date product terms. SIGN UP FOR FREE. No credit card needed.

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