1.Amazon's Prime Visa
Chase
- 5%Cash back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases
- 2%Cash back at gas stations, restaurants, and local transit
- 1%Cash back on all other purchases
New applicants for the Amazon Prime Visa typically receive a $150 Amazon Gift Card instantly upon approval.
Earn unlimited 5% cash back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases with an eligible Prime membership.
18.24%-28.49% Variable APR
The Amazon Prime Visa stands out as the top choice because it offers an impressive 5% cash back on Amazon and Whole Foods purchases, making it ideal for frequent Amazon shoppers. With no annual fee and a straightforward rewards structure, it provides excellent value for those who already have a Prime membership.
Pros:
- High cash back on Amazon purchases
- No annual fee
Cons:
- Requires Amazon Prime membership
- Limited to specific categories for higher rewards
2.Target Circle™ Credit Card
Target
- 5%Discount on eligible purchases at Target
New approved applicants can receive a $50 reward on a future qualifying purchase of $50 or more.
Save 5% on most Target and Target.com purchases.
22.90%-24.99% Variable APR
What sets the Target Circle™ Credit Card apart is its straightforward 5% discount on all eligible purchases at Target, making it a great option for regular shoppers. With no annual fee, it provides consistent savings on everyday purchases.
Pros:
- 5% off at Target
- No annual fee
Cons:
- High APR
- Limited to Target purchases
3.MyLowe’s Rewards Credit Card
Synchrony Bank
- 5%Discount on eligible purchases at Lowe's
- 1.25%Points earned per $1 spent
The MyLowe’s Rewards Credit Card offers a welcome bonus of 20% off your first purchase upon opening and using a new account.
Get 5% off your eligible purchase or order charged to your MyLowe's Rewards Credit Card.
31.99% Variable APR
The standout feature of the MyLowe’s Rewards Credit Card is its 5% discount on eligible purchases, making it a valuable tool for frequent Lowe's shoppers. Coupled with a welcome bonus of 20% off the first purchase, it offers significant savings on home improvement projects.
Pros:
- 5% off on purchases
- No annual fee
Cons:
- High APR
- Limited to Lowe's purchases
- 5%Cash back on gas at Costco
- 4%Cash back on other eligible gas and EV charging
- 3%Cash back on restaurants and travel
- 2%Cash back on Costco purchases
- 1%Cash back on all other purchases
N/A
Earn 5% cash back on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging.
18.74%-26.74% Variable APR
This card shines for its exceptional cash back rewards, particularly 5% on gas purchases at Costco, making it a top choice for frequent Costco shoppers. With no annual fee and a robust rewards structure, it delivers significant value for those who spend heavily on fuel and dining.
Pros:
- High cash back on gas and travel
- No annual fee
Cons:
- Requires Costco membership
- Limited to Costco purchases for higher rewards
5.Blue Cash Everyday® Card from American Express
American Express
- 3%Cash back on U.S. supermarkets, online retail, and gas stations (up to $6,000 per year)
- 1%Cash back on all other purchases
The standard welcome offer is a $200 statement credit after spending $2,000 on the card within the first 6 months.
Earn 3% cash back on U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations.
19.49%-28.49% Variable APR
The Blue Cash Everyday® Card from American Express is an excellent choice for everyday spending, offering 3% cash back on essential categories like groceries and gas. With no annual fee and a generous welcome bonus, it provides a solid value for those looking to maximize their cash back on regular purchases.
Pros:
- No annual fee
- Strong cash back on essential categories
Cons:
- Spending limits on higher rewards
- Variable APR can be high
Final Words
As you explore the best store credit cards this February 2026, remember to prioritize your spending habits and benefit preferences. Take time to compare the options available to make an informed decision that maximizes your rewards and enhances your shopping experience.
Frequently Asked Questions
New applicants for the Amazon Prime Visa typically receive a $150 Amazon Gift Card instantly upon approval.
With the Target Circle™ Credit Card, you can save 5% on most Target and Target.com purchases, providing significant savings on your shopping.
The MyLowe’s Rewards Credit Card offers a welcome bonus of 20% off your first purchase upon opening and using a new account, along with 5% off eligible purchases charged to the card.
Earn unlimited 5% cash back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases with an eligible Prime membership. Additionally, you earn 2% cash back at gas stations, restaurants, and local transit, and 1% cash back on all other purchases.
Many store credit cards, like the Amazon's Prime Visa and Target Circle™ Credit Card, have no annual fees, making them an affordable option for shoppers. However, some cards may charge fees, so it's essential to read the terms before applying.
You can typically apply for a store credit card online through the retailer's website or in-store at the checkout. Make sure to have your personal information handy, including your income and Social Security number, to expedite the application process.
When selecting a store credit card, consider the rewards structure, welcome bonuses, interest rates, and any fees involved. It's also helpful to evaluate where you shop most frequently to maximize your rewards.
