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Store credit cards or
rewards credit cards?

With today's social distancing, many prefer online shopping to visiting a local store. As a result, many retailers started offering convenient services like online grocery delivery, free shipping, pickup options, or other benefits. Some services may be available to store card members for free, so you may want to apply for a local department store credit card. However, while it may be tempting to sign up for a store card, we wouldn't recommend applying for it without getting to know and understanding how the card works and if it's right for you. Below, as an example, we took the Kohl's store card and a regular credit card to show you how the two are compared to each other.
Kohl's Charge Card

The Kohl's credit card might not be the best option if you are after rewards

The Kohl's credit card may be easier to get than a regular rewards credit card. However, it offers no rewards. Still, those who tend to shop at Kohl's a lot may like saving offers for cardmembers. The Kohl's store card can only be used at Kohl's.

REWARDS CREDIT CARD

our choice
on Citi's secure website
Excellent Credit

STORE CREDIT CARD

Kohl's Charge Card
Kohl's Charge Card
Fair Credit

REASON 1: NOT THE BEST SIGN-UP BONUS

The sign-up bonus on the Kohl's credit card is given in the form of a discount on the first in-store or online purchase on the day of account opening. Nice, but can be better. If you check out welcome bonuses of rewards credit cards, you can easily find a credit card with a sign-up bonus of $150 or even higher.
REWARDS BONUS
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
35% off your first Kohl’s Card purchase107

REASON 2: NO REWARDS

The Kohl's credit card comes without rewards on purchases. Regular rewards cards, on the contrary, can offer you various rewards options. You can choose to earn fixed cash back on all purchases or find a credit card with categories that earn elevated rewards. And rewards credit cards will always allow you to earn the basic 1% or 1 point on all purchases, including Kohl's purchases.
REWARDS
  • The Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
No rewards program107

REASON 3: LIMITED REDEMPTION OPTIONS

Even if you earn rewards with store credit cards, your redemption options will be limited to those stores. Regular rewards credit cards give more flexibility here. Many allow redeeming rewards as cash deposited to your bank account or simply cover any purchase with rewards.
REWARDS REDEMPTION
You can redeem ThankYou® Points for things like gift cards or for travel rewards
No rewards program107
Points do not expire provided your account is active and in good standing
No rewards program107

REASON 4: HIGH INTEREST RATES

It's not a secret that store cards come with higher interest rates than regular credit cards. Plus, store cards rarely offer 0% introductory APRs. The Kohl's credit card is no exception - it comes with no 0% intro APR.

With a rewards credit card, you get a 0% intro APR, if the card has such an offer. That means you do not pay interest while you make minimum payments on time. And if you are unable to pay off the card balance by the end of the introductory period, the interest will apply to the remaining and new balance only.

INTRO APR ON PURCHASES
0% (15 months on Purchases)
No intro APR107
ONGOING APR
13.49% - 23.49% (Variable)
27.24%107
ANNUAL FEE
$0
None107

REASON 5: LIMITED USABILITY

The Kohl's credit card is designed exclusively for Kohl's shoppers and can be used at Kohl's only. Regular credit cards can be either Visa, Mastercard, Discover, or American Express credit cards meaning the cards can be accepted anywhere, not only at a specific retailer or place.
CREDIT CARD USAGE
Use Anywhere
Use your card at Kohl's.com107

Our choice for
online shopping 2021

Rating 5.0

APPLY

on Citi's secure website

Excellent Credit
The Citi Rewards+ card, with its point rewards and no annual fee, can become your primary card for everyday shopping. You may especially like the card if you tend to make a lot of small purchases as the card has a unique round-up feature that automatically rounds up to the nearest 10 points on every purchase.
Rewards Bonus
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
Rewards
  • The Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

Popular credit cards for
online shopping

Apply for Capital One Platinum Credit Card - Credit-Land.com

Rating 4.3

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0
Annual Fee
$0
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help build your credit through responsible use of a card like this

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Discover it® Cash Back - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (14 months on Purchases)
Intro APR on Balance Transfer
0% (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

Plus, earn unlimited 1% cash back on all other purchases - automatically.

Redemption Options

Redeem cash back any amount, any time.

Rewards never expire

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (14 months on Purchases)

Intro APR on Balance Transfers:
0% (14 months on Balance Transfers)

Ongoing APR:
11.99% - 22.99% Variable APR

Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Apply for Capital One QuicksilverOne Cash Rewards Credit Card - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0
Annual Fee
$39
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Rewards

Earn unlimited 1.5% cash back on every purchase, every day

Earn cash rewards without signing up for rotating categories

Redemption Options

Redeem your cash back for any amount, anytime.

Cash back doesn't expire for the life of the account

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Apply for Citi Rewards+℠Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
0% (15 months on Purchases)
Intro APR on Balance Transfer
0% (15 months on Balance Transfers)
Regular APR
13.49% - 23.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

15,000 ThankYou® Points

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Rewards

The Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

Redemption Options

You can redeem ThankYou® Points for things like gift cards or for travel rewards

Points do not expire provided your account is active and in good standing

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (15 months on Purchases)

Intro APR on Balance Transfers:
0% (15 months on Balance Transfers)

Ongoing APR:
13.49% - 23.49% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Apply for Citi® Double Cash Card – 18 month BT offer - Credit-Land.com

Rating 4.7

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% (18 months on Balance Transfers)
Regular APR
13.99% – 23.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Redemption Options

Redeem cash back for a check, statement credit, direct deposit; or convert to points

Your cash rewards balance will expire if you have not earned any cash back from purchases or payments for 12 months

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% (18 months on Balance Transfers)

Ongoing APR on Balance Transfers:
13.99% – 23.99% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

Apply for Citi® Diamond Preferred® Card - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
0% (18 months on Purchases)
Intro APR on Balance Transfer
0% (18 months on Balance Transfers)
Regular APR
14.74% - 24.74% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
Annual Fee
$0
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (18 months on Purchases)

Intro APR on Balance Transfers:
0% (18 months on Balance Transfers)

Ongoing APR:
14.74% - 24.74% (Variable)

Balance Transfer Fee:
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.

Annual Fee: $0

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Discover it® chrome - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (14 months on Purchases)
Intro APR on Balance Transfer
0% (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% Variable
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Redemption Options

Redeem your cash back for any amount, any time.

Cash rewards never expire.

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (14 months on Purchases)

Intro APR on Balance Transfers:
0% (14 months on Balance Transfers)

Ongoing APR:
11.99% - 22.99% Variable

Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

WANT TO EARN REWARDS ON GROCERIES?
SEE REWARDS CREDIT CARDS FOR GROCERY SHOPPING
SEE OFFERS

Best cards for shopping
for bad or no credit

Apply for Surge Mastercard® - Credit-Land.com

Rating 3.7

APPLY
Fair/Bad Credit

our choice

Card Type
Unsecured
Regular APR
25.90% - 29.99% (Variable)
Annual Fee
$75 - $99
Guaranteed Approval
No
Instant Response
Yes
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Principal Platinum - Credit-Land.com

Rating 3.5

APPLY
Bad/No Credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Guaranteed Approval
No
Instant Response
Yes
  • Instant Approval / $750 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Reflex Mastercard® - Credit-Land.com

Rating 3.7

APPLY
Fair/Bad Credit

our choice

Card Type
Unsecured
Regular APR
25.90% - 29.99% (Variable)
Annual Fee
$75 - $99
Guaranteed Approval
No
Instant Response
Yes
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

questions ABOUT
REWARDS CREDIT CARDS

Is it worth applying for the Kohl's card?

The Kohl's card is a store card that offers no rewards on purchases and can be used at Kohl's only. If you are looking for a credit card that will allow you to earn rewards on every purchase you make, we would recommend...

Read more
I love shopping, but I think I could be getting more out of it if I had a credit card that gave me rewards for all my retail therapy sessions. I just don't know which one to get. Can you help me figure out what card is right for me?

If you're a shopper, there's nothing better than having a credit card that gives you cash back or points for every purchase you make. Next time you're at the Overstock store, or Bed Bath and Beyond, or Macy's - wherever...

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What are the advantages of having a store credit card?

When you shop a lot at one particular retailer, it may be worth having a credit card offered by that retailer. The reason is simple – you can improve your credit score and save a lot on your purchases because store...

Read more
See all questions

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Updated: January 16, 2021

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