List of Department Store Credit Cards: What Department Stores Have Credit Cards?

List of Department Store Credit Cards: Department store credit cards are credit cards that are issued by department stores and can only be used at those stores. These cards usually come with benefits such as discounts, rewards, and exclusive offers. In this article, we will provide a comprehensive list of department store credit cards, their benefits, and how to apply for them.

List of Department Store Credit Cards: What Department Stores Have Credit Cards?

List of Department Store Credit Cards: What Department Stores Have Credit Cards?

Macy’s Credit Card

Macy’s Credit Card is a department store credit card issued by Macy’s. It offers benefits such as 20% off on purchases made on the day the card is opened and a 5% discount on all purchases made with the card. It also offers free shipping with no minimum purchase amount for Macy’s Gold and Platinum Cardholders. To apply for Macy’s Credit Card, visit any Macy’s store or apply online.

Bloomingdale’s Credit Card

Bloomingdale’s Credit Card is a department store credit card issued by Bloomingdale’s. It offers benefits such as 15% off on purchases made on the day the card is opened and a 3% discount on all purchases made with the card. It also offers free shipping for Bloomingdale’s Loyallist members. To apply for Bloomingdale’s Credit Card, visit any Bloomingdale’s store or apply online.

Nordstrom Credit Card

Nordstrom Credit Card is a department store credit card issued by Nordstrom. It offers benefits such as a $60 bonus note on the day the card is opened, a 3 points per dollar spent at Nordstrom, Nordstrom Rack, HauteLook, and Trunk Club, and early access to the Nordstrom Anniversary Sale. To apply for Nordstrom Credit Card, visit any Nordstrom store or apply online.

Kohl’s Credit Card

Kohl’s Credit Card is a department store credit card issued by Kohl’s. It offers benefits such as 35% off on the first purchase made with the card, a 15% discount coupon that can be used in-store or online, and $10 Kohl’s Cash for every $50 spent. To apply for Kohl’s Credit Card, visit any Kohl’s store or apply online.

JCPenney Credit Card

JCPenney Credit Card is a department store credit card issued by JCPenney. It offers benefits such as 15% off on the first purchase made with the card, a $10 bonus reward for every 200 points earned, and exclusive coupons and offers. To apply for JCPenney Credit Card, visit any JCPenney store or apply online.

Sears Credit Card

Sears Credit Card is a department store credit card issued by Sears. It offers benefits such as 5% off on eligible purchases made in-store or online, special financing options on purchases of $299 or more, and exclusive coupons and offers. To apply for Sears Credit Card, visit any Sears store or apply online.

Target Credit Card

Target Credit Card is a department store credit card issued by Target. It offers benefits such as 5% off on all purchases made with the card, free shipping on eligible items, and an extended return period. To apply for Target Credit Card, visit any Target store or apply online.

What are Store Credit Cards with Instant Approval?

Store credit cards with instant approval are credit cards issued by specific retailers that provide customers with instant decision on their credit card application. Unlike traditional credit cards that may take days or weeks for approval, these store credit cards offer a quick and convenient way to access credit right at the point of sale. This instant approval feature allows customers to take advantage of discounts, rewards, and financing options immediately, enhancing their shopping experience.

Department Store Cash Back Credit Cards

With the rise of online shopping and e-commerce, department stores have had to up their game to remain competitive. One of the ways they’ve done this is by offering department store cash back credit cards. These cards, tailored to frequent shoppers, not only help build loyalty but also provide significant savings and benefits.

Department Store Cash Back Credit Cards

A department store cash back credit card offers rewards, usually in the form of cash back, for purchases made at the issuing department store and sometimes other related outlets. Unlike regular credit cards that may offer generic rewards, these cards focus on returning value directly to the most loyal shoppers of the specific store.

FeatureDescription
Cash Back PercentageOften ranges from 1% to 5% of the purchase value.
Bonus CategoriesSome cards offer higher cash back percentages for specific categories, e.g., apparel or electronics.
Redemption OptionsCash back can usually be redeemed as statement credits, checks, or gift cards.
Annual FeesSome cards have no annual fee, while others might. Ensure the rewards justify any fees.

Department Store Credit Cards for Bad and Poor Credit

It’s a common misconception that you need stellar credit to get a department store card. In reality, many department stores offer options tailored for individuals with less-than-perfect credit histories.

1. Department Store Credit Cards for Bad Credit

These cards are for individuals with a few dings on their credit report but are not necessarily at the bottom of the credit ladder. They might come with a slightly higher APR or fewer rewards but still offer an opportunity to build credit while shopping.

2. Department Store Credit Cards for Poor Credit

For those with a more challenging credit history, there are still options. These cards might have lower credit limits and fewer perks but can be an invaluable tool for rebuilding one’s credit. With responsible use and timely payments, these cards can help pave the way to a brighter financial future.

Advantages of Department Store Cash Back Credit Cards

  • Loyalty Rewards: These cards often come with exclusive discounts, early access to sales, and special member-only offers.
  • Building Credit: As with all credit cards, responsible use can help improve your credit score.
  • Convenience: For those who frequently shop at a particular store, having a store-specific card simplifies the shopping experience.

Things to Keep in Mind

While the allure of cash back and exclusive deals can be enticing, it’s crucial to use your card responsibly. Always remember to:

  1. Pay Off the Balance: To avoid hefty interest fees, try to pay off the balance in full each month.
  2. Avoid Too Many Applications: Applying for numerous cards in a short time can harm your credit score.
  3. Understand the Terms: Read the fine print to be aware of any annual fees, interest rates, or other associated charges.

FAQs

Are department store credit cards worth it?

Department store credit cards can be worth it if you shop frequently at the department store and take advantage of the benefits offered by the card.

Can department store credit cards be used outside the store?

No, department store credit cards can only be used at the store that issued them.

Do department store credit cards affect credit score?

Yes, department store credit cards can affect credit score if they are not used responsibly.

How does the cash back on a department store credit card work?

Typically, a percentage of your purchases is credited back to your account. For instance, if a card offers 3% cash back and you spend $100, you’d get $3 back.

Can I use my department store credit card outside of the store?

Some department store cards can only be used in-store, while others are co-branded with major credit card networks like Visa or Mastercard, allowing broader use.

Will applying for a department store card hurt my credit score?

Every time you apply for credit, a hard inquiry is made, which can temporarily reduce your credit score. However, with responsible use, a credit card can help improve your score over time.

What happens if I miss a payment on my department store card?

Missing a payment can lead to additional fees, increased interest rates, and negative impacts on your credit score. It’s essential always to pay at least the minimum due on time.

Final Words

Department store cash back credit cards offer a unique blend of rewards and benefits tailored to regular shoppers. Whether you have excellent credit, bad credit, or somewhere in between, there’s likely a card that suits your needs. By understanding the ins and outs of these cards and using them responsibly, you can enjoy significant savings and financial advantages.

Hi, I'm Selva a full-time Blogger, YouTuber, Affiliate Marketer, & founder of Coding Deekshi. Here, I post about programming to help developers.

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