How to apply for a store credit card
Follow these steps to apply for a credit card:
- Choose a store credit card that matches your needs and individual budget.
- Follow one of the links above to be directed to a secure application with the credit card issuer or apply for a card in person at the store.
- Fill out the application with all of the necessary financial and personal information.
- Use the credit card responsibly and pay your bill on time each month.
FAQs
A store credit card, or retailer credit card, is a credit card offered by a credit card issuer in conjunction with a specific brand. You can typically make purchases within the respective brand’s brick-and-mortar stores or on their website with extra savings or rewards.
Most store credit cards will require you to have at least good credit. A good credit score is typically considered to be 670 or higher.
As with most credit cards, there is both risk and opportunity with regards to your credit score. Responsible credit card use will help you grow your credit score after you open a store credit card, but if you rack up debt and don’t make payments on time, your credit score will suffer.
Our methodology
CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash back, credit card sign up bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone's financial situation is different -- and the designated function of a card.
*All information about the Target RedCard, Macy's American Express Card, Kohl's Credit Card, Amazon Visa, Home Depot Consumer Credit Card and the Capital One Walmart Rewards Card has been collected independently by CNET and has not been reviewed by the issuer.
