Merit Platinum
Merit Platinum
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On Meritplatinum‘s website

Best Store Credit Cards of November 2021

Compare credit cards for Store on Myfin.us.

Updated November 23, 2021
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Best Credit Cards for Store in November 2021

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Merit Platinum
Apply now
On Meritplatinum‘s website
Our Rating:
3.1 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $177.24 annually ($14.77 per month).
  • Purchase Intro APR:
    None
  • Regular APR:
    None
  • Balance Transfer APR:
    None
  • 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.

  • Pros:
    • Fast and Easy Application
    • Reports to Major Credit Bureau
  • Cons:
    • Valid at the Horizon Outlet store
  • Benefits:
    • $750 Merchandise Credit Line;
    • Reports to Major Credit Bureau;
    • No Employment or Credit Check.
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Unique Platinum
Apply now
On Uniquecardservices‘s website
Our Rating:
3.1 out of 5
scorer
Recommended 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.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $269.35 in the first year (incl. application fee $29.95). $239.4 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    0.00% Regular.
  • Balance Transfer APR:
    None
  • 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.

  • 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.
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Target REDcard™ TD Bank
Our Rating:
1.94 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on purchases at Target and Target.com.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    22.90% Variable.
  • Balance Transfer APR:
    None
  • 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.
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Banana Republic Visa® Synchrony Bank
Our Rating:
2.28 out of 5
scorer
Recommended 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.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    25.99% Variable.
  • Balance Transfer APR:
    None
  • 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.
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Sam’s Club® Mastercard® Synchrony Bank
Our Rating:
3.18 out of 5
scorer
Recommended 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.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    15.65% - 23.65% Variable.
  • Balance Transfer APR:
    None
  • 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 15.65% to 23.65% (Variable APR).

    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.
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GM BuyPower Capital One
Our Rating:
3.85 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Earnings on your first $5,000 in purchases every year, then 2% unlimited Earnings on purchases after that.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months.
  • Regular APR:
    15.24% - 24.24% Variable.
  • Balance Transfer APR:
    15.24% - 24.24% Variable.
  • Issuer name:
    Capital One
  • Details:

    The GM BuyPower is strictly for those who plan to buy a GM vehicle in the future, or who now own one that they need to have regularly serviced.

    The GM BuyPower Card offers an introductory 0% APR for 12 months after opening an account. After that, your variable APR will be between 15.24% to 24.24%.

    You’ll earn 5% rewards cash (“Earnings”) on the first $5,000 in purchases every year, not just in the first year. That’s $250 in rewards if you can reach $5,000 in spending each year and you’ll continue earning unlimited 2% if you keep using your card.

    There are two ways to redeem your BuyPower earnings — when you purchase or lease a new car, or towards vehicle care and GM extras. Keep in mind earnings can only be used on a new vehicle, not a pre-owned one. The most flexible redemption option — a statement credit on purchases of accessories and maintenance — is capped at $250 annually.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR on purchases
  • Cons:
    • Limited redemption options
    • Some redemptions are capped
  • Benefits:
    • 5% Cash back on your first $5,000 in purchases every year, 2% Cash Back after that;
    • Zero-liability protection;
    • Extended Warranty Protection;
    • Events and experiences;
    • Rental home access;
    • Cellphone coverage;
    • Trip cancellation insurance;
    • Insurance coverage for lost or delayed luggage;
    • Car-rental insurance;
    • Airport concierge access;
    • Shoprunner membership.
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Capital One Walmart Rewards® best for Walmart purchases

Walmart Rewards® Capital One
Our Rating:
3.4 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • 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 Capital One Walmart Rewards® Card with Walmart Pay.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    17.99% - 26.99% Variable.
  • Balance Transfer APR:
    17.99% - 26.99% 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% – 26.99% (Variable).

    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 (for the first 12 months);
    • 5% Cash Back at Walmart.com;
    • 2% Cash Back;
    • 1% Cash Back;
    • $0 Fraud Liability.
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Goldman Sachs Apple best for Metal

Apple Goldman Sachs
Our Rating:
2.93 out of 5
scorer
Recommended 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.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    10.99% - 21.99% Variable.
  • Balance Transfer APR:
    10.99% - 21.99% Variable.
  • 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 10.99% to 21.99% 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.
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Freedom Gold
Our Rating:
3.1 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $177.24 annually ($14.77 per month).
  • Purchase Intro APR:
    None
  • Regular APR:
    None
  • Balance Transfer APR:
    None
  • 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.

    The card has a membership fee of $177.24.

  • Pros:
    • No Employment or Credit Check
    • Fast and Easy Application
  • Cons:
    • Membership Fee
  • Benefits:
    • $750 Merchandise Credit Line;
    • Reports to Major Credit Bureau.
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Net First Platinum
Our Rating:
3.1 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $177.24 annually ($14.77 per month).
  • Purchase Intro APR:
    None
  • Regular APR:
    None
  • Balance Transfer APR:
    None
  • 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.

    The card has a membership fee of $177.24.

  • Pros:
    • No Employment or Credit Check
    • Fast and Easy Application
  • Cons:
    • Membership Fee
  • Benefits:
    • $750 Merchandise Credit Line;
    • Reports to Major Credit Bureau.
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