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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 Home Depot store card and a regular credit card to show you how the two are compared to each other.

The Home Depot Consumer Credit Card

The Home Depot store card might not be the best option if you are after rewards

Home Depot basic credit card - the The Home Depot Consumer Credit Card - is easier to get than any other Home Depot credit card or rewards credit card. However, it offers no rewards. Still, those who tend to make big purchases at Home Depot may like the card's flexible financing options. The Home Depot store card can only be used at Home Depot.

REWARDS CREDIT CARD

our choice
on Discover's secure website
Excellent/Good Credit

STORE CREDIT CARD

The Home Depot Consumer Credit Card
The Home Depot Consumer Credit Card
Excellent/Good/Fair Credit

REASON 1: NO SIGN-UP BONUS

The Home Depot store credit card doesn't offer a rewards bonus. If you check out welcome bonuses of rewards credit cards, you can easily find a credit card with a sign-up bonus of $100 or even higher.
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 to $300.
No bonus offer8

REASON 2: NO REWARDS

The Home Depot store card comes without a rewards program. 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 Home Depot purchases.
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.
No rewards program8

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
Redeem cash back any amount, any time.
No rewards program8
Rewards never expire
No rewards program8

REASON 4: HIGH INTEREST RATES

It's not a secret that department store cards come with higher interest rates than regular credit cards. The Home Depot Cards comes with quite a huge ongoing APR of 17.99% - 26.99%. Yes, the card will offer you 0% intro APR for 6 months on purchases of $299 or more, however the interest is deferred, which means interest charges will be assessed on the full purchase amount if you don't manage to pay it off before the introductory period ends. With a 0% intro APR rewards credit card, in case you are unable to pay off the card balance by the end of the intro period, the interest will apply to the remaining and new balance only.
INTRO APR ON PURCHASES
0% (14 months on Purchases)
0% for 6 months8
ONGOING APR
11.99% - 22.99% Variable
17.99% - 26.99%8
ANNUAL FEE
None8

REASON 5: LIMITED USABILITY

The the The Home Depot Consumer Credit Card is designed exclusively for Home Depot shoppers and can be used at Home Depot only. Regular store 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 Discover Cards Accepted
Use at Home Depot stores in the United States and Canada, and at homedepot.com and homedepot.ca

Our choice for
online shopping 2020

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit
Experienced consumers may like the Discover it® Cash Back card with its increased cash back on select purchases that change each quarter throughout the year. The card has no annual fee and can work well as a primary credit card or as an additional credit card to maximize rewards in changing categories. The sign-up bonus offer and zero introductory interest rate make the card an even more worthy deal the first year.
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 to $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.

Popular credit cards for
online shopping

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+SM 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+SM 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*

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 Discover it® Miles - Credit-Land.com

Rating 4.7

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
10.99% (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
  • UNLIMITED BONUS: Only Discover will automatically match 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.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • 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.

Rewards Bonus

UNLIMITED BONUS: Only Discover will automatically match 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

Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.

Redemption Options

No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.

Rewards never expire

0% Intro APR on Purchases

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

Ongoing APR on Purchases:
11.99% - 22.99% Variable

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

Rating 4.4

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 23.99% (Variable)
Balance Transfer Fee
3% 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
  • NEW! Earn 3 Points at Restaurants and Supermarkets
  • Earn 3 Points at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • NEW! Annual Hotel Savings Benefit
  • 60,000 Points are redeemable for $600 in gift cards when redeemed 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 bonus ThankYou® Points

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

Rewards

NEW! Earn 3 Points at Restaurants and Supermarkets

Earn 3 Points at Gas Stations, Air Travel and Hotels

Earn 1 Point per $1 spent on all other purchases

Redemption Options

60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com

No expiration and no limit to the amount of points you can earn with this card

Foreign Transaction 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 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® 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)*

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 for a check, statement credit, gift card or cash*

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 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

Foreign Transaction Fee: None

Balance Transfer Fee: $0

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

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

Bad history credit cards
for shopping

Apply for Horizon Gold - Credit-Land.com

Rating 3.8

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
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.

0% Intro 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 Discover it® Secured - Credit-Land.com

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Card Type
Secured
Regular APR
22.99% Variable
Annual Fee
$0
Guaranteed Approval
No
Instant Response
No
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 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.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Annual Fee: $0

Rewards Bonus

Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score

Rewards

Earn 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.

Foreign Transaction Fee: None

our choice

Card Type
Secured
Regular APR
17.39% (variable)
Annual Fee
$35
Guaranteed Approval
No
Instant Response
No
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build 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%
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

questions ABOUT
REWARDS CREDIT CARDS

Need a card to earn rewards at Home Depot and other locations. Planning to make some big purchases. Please advise.

The best choice for you is general rewards credit cards. They typically come with a 0% intro APR on purchases, allow earning worthwhile rewards for all purchases, including Home Depot, and give flexible redemption...

Read more
Is the Home Depot credit card good for shopping at other stores?

The The Home Depot Consumer Credit Card is a store credit card and can only be used only at Home Depot. To shop online and in-store, we would recommend you general rewards credit cards. They typically come with a 0% intro APR on...

Read more
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...

Read more
See all questions

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Updated: November 29, 2020

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REWARDS CREDIT CARDS

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