Store Credit Cards

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Should you open a store credit card for the one-time discount?

It depends. You should carefully consider the terms, your credit score, and your spending habits before opening a store card just for the discount.

Why is it easier to get a store credit card than a regular one?

Store credit cards tend to be easier to get than traditional credit cards because they often have more lenient approval requirements. This is because they typically come with built-in limitations, such as high interest rates, low credit limits, and limited usage options.

Which is better – a store credit card or a general rewards card?

It really depends on the card. Some store cards have greatly improved and can be a good choice for people who shop there a lot.

Best Credit Cards to Use at Costco

by Gregory Karp

Amazon Prime Visa Review: Perhaps the Ultimate Store Card

Earning 5% back at both Amazon (which basically sells everything) and Whole Foods is unbeatable, but you can't get this card without an Amazon Prime membership.

Costco Anywhere Visa Review: Bulked-Up Savings for Members

Costco members can turn their everyday spending on gas, travel and dining out into rich rewards at the wholesale club, but you won't get big discounts at the store itself.

Target Circle Credit Card Review: 5% Discount and No Annual Fee

For Target devotees, this card hits the bull's-eye. You won't earn traditional rewards, but you'll get upfront savings. Just make sure you pay in full each month.

My GM Rewards Card Review: No Longer Available

This card is closed to new applicants and has been replaced by the GM Rewards Mastercard.

Sam’s Club Mastercard Review: Great for Gas and Premium-Tier Sam’s Members

It offers rich rewards on gas, EV charging and dining, and Sam's Club 'Plus' members can also earn a high rate on shopping with the wholesale club. But the card is less appealing for lower-tier Sam's Club members.

Lowe’s Credit Card Review: A Must-Have for Diehard DIYers

You get an automatic 5% discount on almost everything in the store. There's no annual fee.

Instacart Mastercard Review: Grocery Delivery Made More Rewarding

No annual fee.
High rewards rate.
Flexible rewards redemption.

You’re our first priority.
Every time.

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