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.Discover® More(SM) Card
- 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 |
Biodegradable Discover® More Card
- Help protect the planet with the new biodegradable Discover Card
- Card plastic breaks down 99% within five years in landfill conditions
- 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® Motiva(SM) Card
- Cash Rewards for your good credit management!
- Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus on all other purchases
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
- 3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| 3.99%* | 6 Months* | None | 3%* | Good |
eElite Plus Shopping Card
- 0% APR with No Annual Fee
- Receive up to a $12,500 immediately*
- No Credit Check
- Unsecured Shopping Credit Line
- Credit Line is Reported to Major Credit Bureau
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| * | * | $168* | See Terms* | Bad |
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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.
