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.Visa® Black Card
- 24-Hour Concierge Service: Enjoy the personalized assistance of a 24-hour Concierge Service catering to entertainment, travel, business, shopping and lifestyle needs.
- Exclusive Rewards Program: Receive 1% cash back on all purchases with Black Card’s Exclusive Rewards Program.
- Travel Redemption: Redeem points at a higher rate for flights on any airline at any time. No blackout dates or advance purchase requirements.
- Luxury Gifts: Cardmembers receive luxury gifts from some of the world's top brands.
- Travel Lounge Priority Pass: Complimentary membership which provides access to over 600 lounges in more than 100 countries.
- Limited Membership: Membership is limited to ensure the highest caliber of personal service is provided to each Cardmember.
- Black Card Benefits: Cardmembers are eligible for benefits including Worldwide Travel Insurance, Baggage Delay Insurance, Trip Interruption Insurance, Warranty Manager Service and Purchase Security.
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | $495 | See terms* | Excellent |
Discover® More(SM) Card - Wildlife Collection
- 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 |
Discover® More(SM) Card - American Flag
- 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 12 months on Balance Transfers*
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| 0%* | 6 Months* | None | 5%* | Good |
Discover® More(SM) Card - Sealife Collection
- 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 |
Platinum Card(R) from American Express
- Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
- 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
- Fine Hotels & Resorts Program - exclusive amenities at boutique, resort, and luxury hotels around the world
- By Invitation Only(R)Events - access to exclusive, once-in-a-lifetime events
- Complimentary Airport Club Access
- The Membership Rewards First(R) program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | $450 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.
