Walmart purchases
Learn more
on our partner’s site

Best Store Credit Cards of February 2023

Compare credit cards for Store on Myfin.us.

Best Credit Cards for Store in February 2023

Hide all
Show all

Capital One Walmart Rewards® Mastercard® best for Walmart purchases

Capital One Walmart Rewards®
Annual fee:
$0
Regular APR:
17.99% - 28.99% Variable
Our Rating:
4.09
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 5% Cash Back at Walmart.com, including pickup and delivery.
    • 2% Cash Back in Walmart stores, at restaurants and on travel.
    • 1% Everywhere else Mastercard® is accepted.
  • Intro Offer:
    • 5% Cash Back in Walmart stores for the first 12 months after approval when you use your Card with Walmart Pay.
  • Balance Transfer APR:
    17.99% - 28.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Walmart Rewards® is a card for people who regularly shop at Walmart.

    The Card's APR: 17.99% – 28.99% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    The Walmart Rewards® Card earns 5% Cash Back on in-store purchases for the first 12 months when using Walmart Pay. The card offers 5% Cash Back at Walmart.com, including pickup & delivery; 2% Cash Back in Walmart stores, at restaurants and on travel; 1% Cash Back everywhere else Mastercard is accepted.

    The Walmart Rewards® Card charges no annual fee and no foreign transaction fee.

  • Pros:
    • No annual fee
    • No foreign transaction fee
  • Cons:
    • No 0% intro APR period
  • Benefits:
    • 5% Cash Back in Walmart stores (for the first 12 months);
    • 5% Cash Back at Walmart.com;
    • 2% Cash Back in Walmart stores, at restaurants and on travel;
    • 1% Cash Back on all other purchases;
    • $0 Fraud Liability.
View all Walmart Rewards® details
Learn more
on our partner’s site
Card detail
Unique Platinum
Annual fee:
See website for details*
Regular APR:
0.00% Regular
Our Rating:
3.1
scorer
Credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • $25 With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways.
  • Details:

    The Unique Platinum Card is a good option for people with bad credit or no credit.

    With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month.

    The Unique Platinum Card has an annual fee of $269.35 (in the first year), $239.4 (thereafter).

    The card is valid only at My Unique Outlet.

    Read full review

  • Pros:
    • Unsecured credit line
    • Instant approval
  • Cons:
    • Valid only at My Unique Outlet
    • Minimum monthly payment
  • Benefits:
    • $1000 Credit Line;
    • $25 in Reward Dollars;
    • No Monthly Fee.
View all Unique Platinum details
Apply now
On Uniquecardservices‘s website
Card detail

TD Bank Target REDcard™ best for Groceries

Target REDcard™ TD Bank
Annual fee:
$0
Regular APR:
26.65% Variable
Our Rating:
2.41
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on purchases at Target and Target.com.
  • Issuer name:
    TD Bank
  • Details:

    For those who shop for everything at Target — food, clothes, household essentials — the perks on the Target REDcard™ Credit Card hit the bull's-eye.

    The $0-annual-fee card gets you a 5% discount on all purchases, which means you don’t have to wait to redeem rewards; you’ll get savings right at checkout.

    Because the Target REDcard™ Credit Card carries high ongoing interest rates, it’s not a good fit for folks who are planning to spend time, well, in the red. But for those who pay their bills in full every month and are looking for some extra savings, it’s worth getting.

  • Pros:
    • High discount on Purchase of eligible items
    • Two-day free shipping on selected items
    • Extended time for returns and exchanges
    • 5% discount at several other places
  • Cons:
    • Limited acceptance
    • High APR
    • Certain products are excluded from discount
    • High Penalty Fees
  • Benefits:
    • 5% REDcard™ discount program rules;
    • REDcard™ extended returns program rules;
    • $50 off for new RedCard holders;
    • 0% discount coupon each year on your card anniversary.
Card detail
Banana Republic Visa® Synchrony Bank
Annual fee:
$0
Regular APR:
25.99% Variable
Our Rating:
2.28
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 5x Earn 5x points for every $1 spent at Gap Inc. brands, in-store and online or 1x point as a Reward Member.
    • 1x Point for every $1 spent outside Gap Inc. brands.
  • Intro Offer:
    • 20% Get 20 percent off for the first store purchase.
  • Issuer name:
    Synchrony Bank
  • Details:

    The Banana Republic Visa Card is designed for fans of Gap Inc. brands, and more specifically, Banana Republic. To entice new card owners, there’s a welcome offer of 20 percent off of your first purchase.

    The card’s annual fee is $0.

    Eligible cardholders who earn at least 5,000 points in a calendar year will be upgraded to a Luxe account, which may entitle them to multiple additional benefits.

    With the Banana Republic Visa Card, you’ll have access to special offers and private sales. In addition, you’ll be able to attend special events. And if you change your mind on a purchase, you can make returns without your receipt.

    You can use the Banana Republic Visa Card anywhere you can use a regular Visa, including overseas, but an applicable foreign transaction fee of 3 percent will apply in this case.

  • Pros:
    • Straightforward rewards system and many benefits
    • No annual fee
    • Luxe membership status
  • Cons:
    • High APR
    • Undisclosed application policy
    • Limited redemption options
    • Foreign transaction fee
  • Benefits:
    • Fraud Protection;
    • 1x point for every $1 spent outside Gap Inc. brands;
    • 5x points for every $1 spent at Gap Inc. brands;
    • "Lux" Status for 5,000 points in a calendar year;
    • 20% off for the first BananaRepublic.com purchase.
Card detail

Synchrony Bank Sam’s Club® Mastercard® best for Gas

Sam’s Club® Mastercard® Synchrony Bank
Annual fee:
$0
Regular APR:
19.40% - 27.40% Variable
Our Rating:
3.05
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).
    • 3% Cash Back on Sam’s Club purchases for Plus members. Club members earn 1% Cash Back.
    • 3% Cash Back on dining and takeout.
    • 1% Cash Back on other purchases at Sam's Club and wherever Mastercard is accepted.
  • Intro Offer:
    • $30 Statement credit when you open a new account and make $30 in Sam's Club purchases within 30 days.
  • Issuer name:
    Synchrony Bank
  • Details:

    The Sam's Club® Card offers 5% Cash Back on gas. Plus, earn 3% back on eligible purchases and another 2% back from their Plus membership, for a total of up to 5 percent rewards on eligible purchases.

    The card offers a variable interest rate from 19.40% to 27.40%.

    You’ll receive a $30 Statement Credit when you open a new account and make $30 in Sam’s Club purchases within 30 days.

    The most notable cost is the $45 minimum yearly cost of the Sam’s Club membership required to apply and hold your card.

  • Pros:
    • High rewards rates for bonus categories
    • Extra cash back for ‘Plus’ members
    • No Foreign transaction fees
    • No annual fee
  • Cons:
    • Sam’s Club membership is needed
    • Limited cash back amount
    • Cash back redeemable only at Sam’s Club and with an expiration rate
    • Small sign-up offer
  • Benefits:
    • Sign-Up Bonus Offer;
    • $0 Fraud Liability;
    • Cash Back on dining, travel and purchase;
    • Excellent 5 percent cash back on gas (on up to $6,000 in yearly purchases, then 1 percent);
    • Acceptance at all Sam's Club and Walmart® locations nationwide;
    • Doubles as your membership card.
Card detail
Accepted Platinum
Annual fee:
See website for details*
Regular APR:
None
Our Rating:
4
scorer
Credit score
No Credit History to Poor (0-579)
  • Purchase Intro APR:
    0% Introductory APR
  • Details:

    The Accepted Platinum Card is a special card for online shopping. With the Card you’ll get $25 in Reward Dollars every month.

    The Card offers fast, trackable and reliable roadside service.

    The Initial cost of membership in the Unique Card Services shopping club is $29.95. The continuing cost is $19.95 per months. The card's NSF check fee is $30 (fee for returned checks or debits, second NSF).

    The card's minimum monthly payment is 15% (of the account balance owed) or $25.00.

    The Accepted Platinum Card has no penalties for prepayment.

    Read full review

  • Pros:
    • No APR charged
  • Cons:
    • No rewards
    • Limited use
  • Benefits:
    • $1,000.00 Credit Line;
    • No Credit Checks;
    • 24/7 Roadside Assistance;
    • $14.95 Monthly Payments.
Card detail

Goldman Sachs Apple best for Metal

Apple Goldman Sachs
Annual fee:
$0
Regular APR:
14.74% - 25.74% Variable
Our Rating:
1.93
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back at Apple.
    • 3% Apple Card gives you unlimited 3% Daily Cash Back on purchases you make at select merchants when you use Apple Card with Apple Pay.
    • 2% Cash Back on other Apple pay purchases.
    • 1% Cash Back on everything else.
  • Issuer name:
    Goldman Sachs
  • Details:

    The Apple Card is good for iPhone users. The card offers 3% Cash Back at Apple and select Apple pay partners, 2% Cash Back on other Apple pay purchases. You'll also earn 1% Cash Back on other purchases.

    The Apple Card has no annual fee. The Card's APRs range from 14.74% to 25.74% based on creditworthiness.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • Low 1% Cash Back on purchases made outside of Apple or Apple Pay
  • Benefits:
    • 3% Cash Back at Apple;
    • 3% Cash Back at select merchants;
    • 2% Cash Back on Apple Pay purchases;
    • 1% Cash Back on other purchases;
    • Titanium Construction.
Card detail
Freedom Gold
Annual fee:
$177.24 annually ($14.77 per month)
Regular APR:
None
Our Rating:
3.1
scorer
Credit score
No Credit History to Fair (0-669)
    • Details:

      The Freedom Gold Card is good for people with less than perfect credit or no credit.

      You will receive a $750 merchandise credit line from Freedom Gold (usable only at the HorizonOutlet.com).

      The card has a membership fee of $177.24.

    • Pros:
      • Fast and Easy Application
    • Cons:
      • Membership Fee
    • Benefits:
      • $750 Merchandise Credit Line*;
      • No Employment or Credit Check.
    Card detail
    Net First Platinum
    Annual fee:
    $177.24 annually ($14.77 per month)
    Regular APR:
    None
    Our Rating:
    3.1
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Details:

        The NetFirst Platinum Card is ideal for people with less than perfect credit or no credit.

        You will receive a $750 merchandise credit line from NetFirst Platinum (usable only at the HorizonOutlet.com).

        The card has a membership fee of $177.24.

      • Pros:
        • Fast and Easy Application
      • Cons:
        • Membership Fee
      • Benefits:
        • No Employment or Credit Check*;
        • $750 Merchandise Credit Line.
      Card detail
      Merit Platinum
      Annual fee:
      See website for details*
      Regular APR:
      None
      Our Rating:
      3.8
      scorer
      Credit score
      No Credit History to Poor (0-579)
        • Details:

          The Merit Platinum Card is an online shopping card for people with bad credit or no credit.

          The card provides you with a merchandise credit line of $750*.

          Read full review

        • Pros:
          • Fast and Easy Application
        • Cons:
          • Valid at the Horizon Outlet store
        • Benefits:
          • $750 Merchandise Credit Line*;
          • No Employment or Credit Check.
        Card detail