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  1. Credit Cards

Best Retail Credit Cards of 2026

Editor: Jordan Chussler
Jordan Chussler, expert in Investing, retirement savings, income generation, personal finance, budgeting, debt management, and Editor, Investing & Banking at Money
Jordan Chussler
Editor, Investing & Banking | Joined June 2023
Jordan is an investment editor who specializes in topics ranging from traditional equities, retirement savings and income investing to alternative assets and commodities, specifically focusing on gold and other precious metals. He combines his personal interests and professional experience in finance and education to help readers increase their financial literacy and make better investment choices. Jordan is a Certified Personal Finance Counselor.
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Published: Feb 26, 2026 8 min read
Illustration of a credit card with shopping bags in-front
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Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. Our site does not include all card companies or all available card offers. Cards below are listed alphabetically.

Best Retail Credit Cards

The best retail credit card is the Amazon Rewards Visa — best for earning rewards on Amazon spending.
  • Methodology: We evaluated retail credit cards across a wide array of shopping categories on APRs, fees, bonuses and benefits that matter to shoppers who buy from those retailers.
  • Editor's take: The Amazon Rewards Visa card is best retail credit card for most shoppers because it has 3% back on Amazon purchases and 2% back on dining and gas.
  • Updated February 2026.

The best retail credit cards can deliver more value from the money you already spend.

Retail cards offer accelerated rewards for spending at a specific store or site, plus access to special sales and discounts. Whether you're shopping for groceries, clothes, home improvement materials or electronics, a retail credit card can provide significant value.

We've chosen the best retail credit cards after evaluating top cards across several retail categories, focusing on rewards, benefits and potential drawbacks. Read on for our top picks as well as advice on choosing the best retail credit card for your buying habits.

Our Top Picks for the Best Retail Credit Cards of 2026

All rates and data are current as of Feb. 24, 2026.

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Best Retail Credit Cards Reviews

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Why we chose it: The Amazon Visa from Chase offers a $50 Amazon gift card upon approval; unlimited 3% back on Amazon.com, Whole Foods Markets and Chase Travel purchases; 2% back at gas stations, restaurants and on local transit (including rideshares); and 1% back on all other purchases.

The retail-focused card has 18.74% to 27.49% APRs, with a balance transfer fee of $5 or 4% — whichever is greater. It has no annual fee, and customers can redeem their points as soon as the next day. Chase's Amazon Visa does not charge a foreign transaction fee.

Additionally, perks include extended warranty and purchase protection, baggage delay insurance, lost luggage reimbursement up to $3,000 per covered customer, travel accident insurance and auto rental coverage.

Terms apply. Please click here for applicable rates and fees.

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Why we chose it: The Amazon Business Prime American Express Card is the best retail credit card for businesses because it offers accelerated rewards earning on business-friendly categories and no annual fee.

This card's current welcome offer is a $125 Amazon gift card, which new cardholders get on approval rather than after meeting a spending threshold. The card's APR is variable between 17.74% and 25.74%.

Businesses owners and employees who frequently use Amazon will get the most out of this card, which offers 5x rewards on U.S. Amazon purchases up to $120,000 a year (one point per $1 thereafter). The card offers double points for spending on dining, gasoline and wireless phone service, and 1x points for all other purchases. While there's no annual fee, a Prime membership is required to earn the accelerated Amazon rewards rate.

Terms apply. Please click here for applicable rates and fees.

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Why we chose it: The PlayStation Visa Credit Card from Comenity Bank is the best retail card for gamers because it offers 5% points on PlayStation products.

This card offers a generous sign-up bonus plus rewards multipliers in gamer-friendly categories. Its variable APR ranges from 17.74% to 31.74%. There is no annual fee, but its balance transfer fee is $10 or 5% (whichever is greater).

New cardholders can earn a $100 statement credit after spending $500 within the first 60 days. Cardholders earn 5% back on PlayStation products, including both digital and hardware purchases like consoles and gear. In addition, cardholders get a rewards rate of 3% on streaming, internet and cable subscriptions as well as 2% on dining (including takeout and delivery). Other purchases earn rewards at a 1% rate.

Terms apply. Please click here for applicable rates and fees.

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Why we chose it: American Eagle's Real Rewards Visa is the best retail credit card for in-store rewards for fans of the American Eagle and Aerie apparel brands because it offers generous rewards with no annual fee.

There is no annual fee, and the card's APR is a variable (currently 33.49%). New cardholders earn 20% off their first purchase at signup, and ongoing rewards on American Eagle and Aerie are a hefty 16%. Other spending (anywhere Visa cards are accepted) earns rewards at a 2% rate.

Cardholders get free shipping as well as access to special sales.

Terms apply. Please click here for applicable rates and fees.

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Why we chose it: The REI Co-op Mastercard is the best retail credit card for lovers of outdoor recreation because it offers 5% rewards on REI Co-op purchases and no annual fee.

A cardholder's APR will be 17.49%, 24.49% or 28.49% (variable), depending on creditworthiness. New cardholders can earn a $100 REI credit by using their card for a non-REI purchase within the first 60 days.

The REI Co-op Mastercard has a 5% rewards rate for spending at REI and 1.5% for spending everywhere else. There is no foreign transaction fee, but Capital One does charge a 3% balance transfer fee.

Terms apply. Please click here for applicable rates and fees.

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Why we chose this card: The Sam's Club Mastercard for Sam's Club and Sam's Club Plus members is the best big-box retailer credit card because it offers 5% back on gas with no annual fee.

This card has an APR of 20.15% or 28.15%. New cardholders can earn a $30 statement credit as a sign-up bonus after using the card for $30 in eligible Sam's Club spending within 30 days.

The Sam's Club Mastercard offers 5% back in on the first $6,000 in spending on gas and EV charging per year (1% after that), along with 3% on dining and takeout, and 1% everywhere else. Members also earn 3% cash back on Sam's Club spending. Cardholders need to maintain an active Sam's Club membership.

Terms apply. Please click here for applicable rates and fees.

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Best Retail Credit Cards FAQs

What is the best credit card for a retail store?

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According to Money’s methodology, the best credit card for a retail store is the Prime Visa® Card because you earn 5% cash back for Amazon and Whole Foods purchases as well as Chase Travel and 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% back on all other purchases. The best credit card for a retail store will depend on the stores you frequent. Each card has unique benefits, so choosing one that aligns with your spending patterns can help maximize your savings.

What is the best store credit card to build credit?

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Many store credit cards are available for consumers with limited or fair credit, making them great tools for building credit when used responsibly. The Target Circle™ Card and the American Eagle Outfitters Credit Card are popular choices when you are just starting out. These cards report activity to the major credit bureaus, so by making on-time payments and keeping your balance low, you can gradually improve your credit score while earning rewards and discounts at your favorite stores.

What are the downsides of store credit cards?

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While retail credit cards offer attractive rewards and discounts, they often come with high interest rates and limited usability outside their associated stores. For example, store-specific cards like the Lowe's Advantage Card provide excellent savings on home improvement projects but may have less versatility compared to general-purpose cards. Additionally, some cards require frequent purchases or activation of special financing offers to maximize their benefits, which may not suit all shoppers.

How do retail credit cards differ from traditional credit cards?

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Retail credit cards are typically co-branded with a store and offer rewards or discounts specifically for that retailer. Traditional credit cards, on the other hand, offer more versatile rewards and can be used anywhere the card network (e.g., Visa, Mastercard) is accepted. For example, the Gap Inc. Visa Credit Card allows you to earn rewards both at Gap brands and anywhere Visa is accepted.

How We Chose the Best Retail Credit Cards of 2026

The best retail credit cards are typically from your favorite stores and offer special store-specific promotions and benefits. These cards are rated according to sign-up bonuses, store rewards, other store perks and fees.

Retail/Store Rewards Sign-Up Bonus/Promos Low or No Fees Other Perks
40% 30% 20% 10%
  • Retail or Store Rewards: The retail rewards and value as well as redemption offers.
  • Sign-Up Bonus: Value of offers for shoppers who are new cardholders.
  • Fees and APR: Evaluation of fees and APRs, as retail cards often have higher rates.
  • Other Perks: Store-specific discounts, special financing offers or exclusive rewards for purchases at partner retailers.

Read our full methodology here.

Summary of Money's Best Retail Credit Cards of 2026