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Store credit cards or
rewards credit cards?

There is no doubt that online shopping has made it easier for people to make purchases. Many retailers now offer 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 Lowe's store card and a regular credit card to show you how the two are compared to each other.

Lowe's Advantage Card

The Lowe's store card might not be the best option if you are after rewards

Lowe's basic credit card - the Lowe's Advantage Card - is easier to get than any other Lowe's credit card or rewards credit card. However, you won't save much on other purchases since the card can't be used outside Lowe's locations. Still, those who tend to make big purchases at Lowe's may like the card's flexible financing options. Here you can see why you may want to skip a store credit card and get a regular rewards credit card instead.

REWARDS CREDIT CARD

our choice
on Citi's secure website
Excellent, Good Credit

STORE CREDIT CARD

Lowe's Advantage Card
Lowe's Advantage Card
Excellent/Good/Fair Credit

REASON 1: SIGN-UP BONUS

The sign-up bonus on the Lowe's store credit card is given in the form of a discount, which applies to the first purchase only when you open and use a new Lowe's card to make that purchase. Nice, but can be better. If you check out welcome bonuses of rewards credit cards, you can easily find a credit card with a real sign-up bonus, not just a discount. For instance, the Citi Rewards+® Card is offering a 20,000 bonus points after spending $1,500 within the first 3 months of account opening, redeemable for $200 in gift cards or travel rewards at thankyou.com.
REWARDS BONUS
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Limited offer: You can get 20% off your first Lowe’s purchase (up to $100 discount), through Mar. 6, 2024.9

REASON 2: REWARDS ON PURCHASES

The Lowe's store card allows you to get a 5% off eligible Lowe's purchases or you can trade this discount for special financing. Not the best option, especially when you can get rewards and a promotional rate at the same time with a regular credit card. Regular rewards cards can offer you various rewards options. You can choose to earn fixed cash back on all purchases or find a credit card that earns elevated rewards in select categories. For example, the Citi Rewards+® Card offers 1x points on all purchases and 2x points at supermarkets and gas stations for the first $6,000 per year. Plus, as a special offer, you can earn a total of 5x ThankYou® points on hotel, car rentals, and attractions booked on CitiTravel.com through Dec. 31, 2025. And the card's most unique feature is that it rounds up to the nearest 10 points on every purchase.
REWARDS
  • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 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 Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Get 5% off your eligible purchase or order charged to your Lowe's Advantage Card (can't be combined with Special Financing)9

REASON 3: REDEMPTION OPTIONS

Even if you earn rewards with store credit cards, your redemption options will be limited to those stores and may have an expiration date. The Lowe's credit card offers discounts, not rewards. Regular rewards credit cards give more flexibility here. The Citi Rewards+® Card, as an example, offers multiple redemption options at the thankyou.com portal, including gift cards, travel, and statement credits for eligible purchases in select categories. So, you can use ThankYou points to get a Lowe's gift card or find a better redemption option for you. ThankYou® Points don't expire, and there's no limit on the number of points you can earn with this card.
REWARDS REDEMPTION
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
No rewards program9
REWARDS EXPIRATION
Points do not expire provided your account is active and in good standingµ
No rewards program9

REASON 4: INTEREST RATES

It's not a secret that department store cards come with higher interest rates than regular credit cards. Plus, store cards rarely offer 0% intro APRs. The Lowe's store card will offer you special financing, but only on eligible purchases and if you meet the minimum purchase requirement. Plus, when you choose special financing, you do not get the 5% discount with the Lowe's credit card.

Rewards credit cards, like the Citi Rewards+® Card, can offer a 0% intro APR on purchases and rewards. That means you can avoid interest payments, while you're making minimum payments on time, and earn rewards on all purchases. Just keep in mind that promotional rate will eventually end, and the go-to APR will apply to all new and unpaid balances.

INTRO APR ON PURCHASES
0% (15 months)
0% for 6 months (if paid in full on purchases of $299 or more)9
ONGOING APR
18.74% - 28.74% (Variable)
Rates & Fees
28.99%9
ANNUAL FEE
$0
$09

REASON 5: LIMITED USABILITY

The Lowe's Advantage Card is designed exclusively for Lowe's shoppers and can be used at Lowe's and Lowes.com only. Regular store cards can be either Visa, Mastercard, Discover, or American Express credit cards meaning the cards can be used anywhere, not only at a specific retailer or place.
CREDIT CARD USAGE
Use Anywhere
Use the card at Lowe's and Lowes.com9

Our choice for
online shopping 2024

Rating 5.0

APPLY NOW

on Citi's secure website

Excellent, Good Credit
While the Citi Rewards+® Card is not designed exclusively for Lowe's, you can still use it for Lowe's purchases and get rewards. Plus, the card comes with an introductory interest rate on purchases, which means you can save on interest payments too. And if you are planning a big purchase, you can easily get that limited-time bonus offer. As an everyday option, this card can get you more on your small purchases as it has a unique round-up feature. So no matter how you are going to use the card, it will bring you rewards and cost you no annual fee.
Rewards Bonus
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Rewards
  • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 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 Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

Popular credit cards for
online shopping

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

Rating 5.0

APPLY NOW

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
17.24% - 28.24% 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 for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

Redemption Options

Redeem your rewards for cash at any time.

Rewards never expire.µ

0% Intro APR on Purchases and Balance Transfers

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

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

Ongoing APR:
17.24% - 28.24% Variable APR

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

Apply for Capital One VentureOne Rewards Credit Card - Credit-Land.com

Rating 5.0

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on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases (for 15 months)
Intro APR on Balance Transfer
0% intro on balance transfers (for 15 months)
Regular APR
19.99% - 29.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies
Annual Fee
$0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

20,000 Miles

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Rewards

Earn unlimited 1.25X miles on every purchase, every day

Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

Redemption Options

Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel. Transfer your miles to your choice of 15+ travel loyalty programs

Miles won't expire for the life of the account and there's no limit to how many you can earn

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro on purchases (for 15 months)

Intro APR on Balance Transfers:
0% intro on balance transfers (for 15 months)

Ongoing APR:
19.99% - 29.99% (Variable)

Balance Transfer Fee:
Balance transfer fee applies

Apply for Wells Fargo Active Cash® Card - Credit-Land.com

Rating 5.0

APPLY NOW
Excellent/Good Credit

our choice

Intro APR on Purchases
0% intro APR for 15 months from account opening
Intro APR on Balance Transfer
0% intro APR for 15 months from account opening on qualifying balance transfers
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%, min: $5
Annual Fee
$0
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Rates & Fees

$200 Cash Rewards

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Rewards

Earn unlimited 2% cash rewards on purchases.

Redemption Options

Redeem rewards for purchases, credits to your account, gift cards and more.

Cash rewards don't expire as long as your account remains open

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro APR for 15 months from account opening

Intro APR on Balance Transfers:
0% intro APR for 15 months from account opening on qualifying balance transfers

Ongoing APR:
20.24%, 25.24%, or 29.99% Variable APR

Balance Transfer Fee:
3% for 120 days from account opening, then up to 5%, min: $5

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

Rating 5.0

APPLY NOW

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% (15 months)
Intro APR on Balance Transfer
0% (15 months)
Regular APR
18.74% - 28.74% (Variable)
Balance Transfer Fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual Fee
$0
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • 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 Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee

20,000 ThankYou® Points

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Rewards

Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

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

Redemption Options

Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ

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

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (15 months)

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

Ongoing APR:
18.74% - 28.74% (Variable)

Balance Transfer Fee:
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

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

Rating 5.0

APPLY NOW

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
17.24% - 28.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 17.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Terms and conditions apply.

Rewards Bonus

UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Rewards

Automatically earn unlimited 1.5x Miles on every dollar of every purchase

Redemption Options

Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.

Rewards never expire.µ

0% Intro APR on Purchases and Balance Transfers

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

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

Ongoing APR:
17.24% - 28.24% Variable APR

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

Apply for Citi Premier® Card - Credit-Land.com

Rating 4.4

APPLY NOW

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
21.24% - 29.24% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Annual Fee
$95
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

    Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

60,000 ThankYou® Points

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

Rewards

Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.

Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels

Earn 3 Points per $1 spent at Restaurants and Supermarkets

Earn 1 Point per $1 spent on all other purchases

Redemption Options

Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ

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

Foreign Transaction Fee: 0%

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

Rating 5.0

APPLY NOW

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
17.24% - 28.24% 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 for all new cardmembers – 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 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Redemption Options

Redeem your rewards for cash at any time.

Rewards never expire.µ

0% Intro APR on Purchases and Balance Transfers

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

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

Ongoing APR:
17.24% - 28.24% Variable APR

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

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

Rating 4.0

APPLY NOW

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
30.74% (Variable)
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Annual Fee
$0
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's 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

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

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

Apply for Wells Fargo Autograph℠ Card - Credit-Land.com

Rating 4.7

APPLY NOW
Excellent/Good Credit

our choice

Intro APR on Purchases
0% intro APR for 12 months from account opening
Intro APR on Balance Transfer
N/A
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%, min: $5
Annual Fee
$0
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  • $0 annual fee.
  • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Rates & Fees

20,000 Points

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Rewards

Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.

Redemption Options

Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Rewards don't expire as long as the account is open

0% Intro APR on Purchases

Intro APR on Purchases:
0% intro APR for 12 months from account opening

Ongoing APR on Purchases:
20.24%, 25.24%, or 29.99% Variable APR

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

Rating 4.4

APPLY NOW

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
30.74% (Variable)
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Annual Fee
$39
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • 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

Rewards

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

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

Redemption Options

Redeem your cash back for any amount.µ

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

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

WANT TO EARN REWARDS ON GROCERIES?
SEE REWARDS CREDIT CARDS FOR GROCERY SHOPPING
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Best cards for shopping
for bad or no credit

Apply for Surge® Platinum Mastercard® - Credit-Land.com

Rating 3.7

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Bad, Fair, Good, Excellent Credit

our choice

Card Type
Unsecured
Regular APR
29.99% (Variable)
Annual Fee
$75 - $125, after that $99 - $125 annually
Guaranteed Approval
No
Instant Response
Yes
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • 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
  • Online account access 24/7
  • Checking Account Required

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Card Type
Secured
Regular APR
0%
Annual Fee
$0
Guaranteed Approval
No
Instant Response
Yes
  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.

Annual Fee: $0

Instant Response

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

our choice

Maximum Loan Amount
$100,000
Minimum Loan Amount
$1,000
Minimum Income Required
See terms
Minimum Age of a Borrower
18
  • See Your Rate In Minutes
  • Get Your Free Experian® Credit Report
  • Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
  • Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.

Instant Response

Reporting to the Major Consumer Reporting Agencies

Loans up to $100,000

questions ABOUT
REWARDS CREDIT CARDS

What card can help me earn rewards at different supermarkets and online stores like Amazon, etc.? I don't want a credit card that lets you earn rewards only at one certain store. Please advise.

For your needs, we would recommend you general rewards credit cards. They typically come with a 0% intro APR on purchases, allow earning worthwhile rewards for all purchases and give flexible redemption options. For...

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What kind of credit do I need to apply for the Lowe's credit card?

Excellent credit is not necessary, but this card will not be given to those with bad credit either. If you have bad credit and try to apply for a card or a line of credit of any kind that you are not qualified for this...

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Does the Lowe's credit card offer rewards?

No, the Lowe's credit card does not offer rewards. They do not have a customer loyalty program. Lowe's used to offer a Visa card, but it was discontinued. You may still see the Lowe's Visa but that is strictly in...

Read more
See all questions

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Updated: March 27, 2024

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