Retail store credit cards

This offer is no longer available on our site: Chase Freedom Flex℠

Hear from our editors: The best retail store credit cards of September 2025

Updated August 29, 2025

This date may not reflect recent changes in individual terms.

Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Written by: Gaby Lapera

Retail store credit cards can provide impressive value if you’re able to combine your regular shopping with a useful credit card from that same store. Here are our top picks for store credit cards to consider based on where you shop.

• Target Circle™ Card: 5% discount at Target and Target.com
• Costco Anywhere Visa® Card by Citi: Bonus cash back on gas and EV charging
• MyLowe’s Rewards Credit Card: 5% off on eligible purchases
• Chase Freedom Flex℠: Occasional retail bonuses
• Discover it® Cash Back: Occasional 5% retail bonuses

Target Circle™ Card: 5% discount at Target and Target.com

Here’s why: This card can help Target enthusiasts save 5% off eligible purchases at Target stores and online, plus get free shipping on certain items in online orders.

Certain purchases are excluded from the savings, so be sure to read the fine print.

Find out more about the Target Circle™ Card.

Costco Anywhere Visa® Card by Citi: Bonus cash back on gas and EV charging

Here’s why: You have to be a Costco member to apply for the card, but it’s a great choice for folks who drive a lot. It has a particularly good rewards rate on gas purchases. One wrinkle? Redemptions are only dispensed once a year in the form of a Costco rewards certificate.

Learn more about Costco Anywhere Visa® Card by Citi.

MyLowe’s Rewards Credit Card: 5% discount on eligible purchases

Here’s why: If you’re big on DIY, then this card could help you save on your project supplies. Alternatively, you could skip the 5% discount on purchases in favor of a special financing offer. Make sure you read the terms and conditions carefully to see if the one-time financing offer is a better deal than the ongoing 5% savings.

Check out how this card stacks up against the Home Depot Consumer Credit Card in our credit card comparison, Lowe’s credit card vs. Home Depot credit card.

Chase Freedom Flex℠: Occasional retail bonuses

Here’s why: This isn’t a retail card in the traditional sense. The Chase Freedom Flex℠ offers bonus cash back rotating categories that sometimes include retail stores. In 2024, bonus cash back categories have included grocery stores, Amazon.com and gas stations.

The card’s rotating categories also offer some pretty great cash back on other purchases, like travel, drugstores and restaurants. This card is one to consider if you’re not a brand loyalist and you spend money in some of the other cash back categories regularly.

Read more about Chase Freedom Flex℠ to learn whether this card is a good fit for you.

Discover it® Cash Back: Occasional 5% retail bonuses

Here’s why: Like the Chase card on our list, this isn’t a traditional retail card. But the Discover it® Cash Back card comes with 5% back on up to $1,500 in purchases in bonus cash back categories that rotate each quarter (you’ll get 1% cash back after you hit the spending cap). All other purchases earn 1% cash back.

In 2024, some of the bonus categories have included grocery stores, Target and Amazon.com. You’ll have to remember to activate the bonus cash back each quarter. This could be another good option for folks who are not devoted to a brand.

Read more about the key features of Discover it® Cash Back card.

How we picked these cards

We picked the best retail store credit cards by considering the best combination of card value and card offers from stores that feature a wide variety of available goods. While devotees of a particular department store or chain might find more value from other retail store picks not mentioned in this article, we wanted to focus on credit cards that were likely to appeal to a wide variety of shoppers.

Additionally, we picked two cards that aren’t standard retail credit cards but do occasionally offer discounts at specific retail stores. While these cards don’t offer the consistent savings of other retail cards, they do offer enough value to include them on this list.

FAQs about retail store credit cards