Best Credit Cards for Department Stores

There are several reasons why someone might choose to get a department store credit card:

1. Discounts and perks: Many department store credit cards offer cardholders exclusive discounts and perks, such as a percentage off their first purchase or special offers throughout the year. These discounts can add up to significant savings over time.
2. Rewards and cashback: Some department store credit cards offer rewards or cashback for purchases made at the store. This can be an especially good option for someone who frequently shops at a particular department store.
3. Easy to qualify: Department store credit cards often have more lenient credit requirements than traditional credit cards, which makes them easier to qualify for.
4. Convenience: Having a department store credit card can make shopping at that store more convenient. You don’t have to carry cash or multiple credit cards, and you can easily track your purchases and rewards.
5. No annual fees: Some department store credit cards do not have any annual fees which is a good for people who don’t want to pay for having a credit card

It’s important to note that department store credit cards often have higher interest rates than traditional credit cards, so it’s important to pay off the balance in full each month to avoid high interest charges. Additionally, it’s important to read the terms and conditions of the card carefully before applying, to make sure that it’s the right choice for you.

So which department store credit cards are the best?

Department store credit cards can be a great way to save money on your purchases and earn rewards. However, not all department store credit cards are created equal. Let’s review some of the best credit cards for department stores to help you make an informed decision.

1. The Nordstrom Credit Card: The Nordstrom credit card offers cardholders a variety of perks, including a $40 Nordstrom Note (a store credit) when you are approved for the card and 2 points per dollar spent at Nordstrom and Nordstrom Rack. Additionally, cardholders receive early access to Nordstrom’s famous sales and special events.
2. The Macy’s Credit Card: The Macy’s credit card offers cardholders a 15% discount on their first day of shopping with the card and a $10 Macy’s Money reward for every $100 spent at Macy’s. Cardholders also receive exclusive discounts and offers throughout the year.
3. The Kohl’s Credit Card: The Kohl’s credit card offers cardholders a 35% discount on their first purchase with the card and 12 special discounts per year. Additionally, cardholders earn $10 Kohl’s Cash for every $50 spent at Kohl’s.
4. The JCPenney Credit Card: The JCPenney credit card offers cardholders a 15% discount on their first purchase with the card and exclusive discounts throughout the year. Cardholders also earn rewards points for every dollar spent at JCPenney.
5. The Target Credit Card: Target credit card offers 5% off on all purchases made in-store or online, as well as free 2-day shipping on eligible items and an extra 30 days for returns. It also offers exclusive discounts and offers throughout the year.

In conclusion, department store credit cards can be a great way to save money and earn rewards. The Nordstrom, Macy’s, Kohl’s, JCPenney, and Target credit cards are all solid options that offer a variety of perks and discounts. However, it is important to read the fine print and understand the terms and conditions before applying for any credit card.