Compare Retail Credit Cards
The card issuer partners with retail co-brand sponsors and points are earned through promotions from these retail outlets. Rewards tend to range from flyer miles, points to cash back and have no annual fee. Some retail credit cards also have low introductory APR’s and regular APR’s.TrueEarnings(R) Card from Costco and American Express
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| See Terms* | See Terms* | See Terms* | See Terms* | Excellent |
Discover® More(SM) Card - Monogram
- Earn more cash in more ways than anyone else(SM)
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online
- Double rewards with more than 100 Cashback Bonus Partners
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| 0%* | 6 Months* | None | 3%* | Excellent |
Discover® More(SM) Card - Clear
- Earn more cash in more ways than anyone else(SM)
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online
- Double rewards with more than 100 Cashback Bonus Partners
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| 0%* | 6 Months* | None | 3%* | Good |
ePlatinum+ Shopping Card
- Buy NOW and Pay LATER
- Receive up to a $12,500 Unsecured Merchandise Credit Line*
- 0% APR with No Annual Fee
- Low Minimum Monthly Payments
- Credit Limits Increases Available
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| * | * | $168* | See Terms* | Bad |
American Express (R) Preferred Rewards Gold Card
- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in less than 60 seconds.
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | $125 annual fee | See Terms* | Excellent |
FAQs on Retail Credit Cards
Why should I consider getting a Retail Credit Card?
They are very easy to get and if managed properly, they could be a very good way to help establish credit. Do some research and find out what the APR rate is and add in any fees or minimum purchases required by the card. With that figure, compare it with your potential store savings to ensure it all balances out.
What can I expect from a typical Retail Credit Card?
Most cards have no annual fee and no minimum purchase requirements. They might also have an APR of 19.80%. Retailers that provide an online service may offer free shipping for purchases over $100.
Apart from rebates and points garnered from retail outlets are there any other schemes that I could be eligible for?
Most card issuers have a co-branded agreement with some retail outlets so store credit is another option. There are also introductory discounts and special savings events.
