1.Target Circle Card
Target
- 5%Cash back on Target purchases
- 1%Cash back on qualifying purchases
Get $50 in Target Circle Rewards when you spend $50 on your Target Circle credit card.
Earn 1% back on qualifying purchases to use toward future shopping trips. Get 5% off your Target purchase instantly.
28.20%-28.95% Variable APR
The Target Circle Card stands out as the top choice because it offers an instant 5% discount on all Target purchases, making it ideal for frequent shoppers at the store. Additionally, the lack of an annual fee enhances its appeal, providing significant savings for regular customers.
Pros:
- No annual fee
- Instant 5% off at Target
Cons:
- High APR
- Limited to Target purchases
2.Amazon Prime Store Card
Amazon
- 5%Cash back on Amazon.com and Whole Foods Market
- 2%Cash back on select purchases
The Prime Visa card currently offers a $150 Amazon Gift Card sign-up bonus upon approval for eligible new cardholders.
Earn unlimited 5% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases.
29.49% Variable APR
What sets the Amazon Prime Store Card apart is its generous 5% cash back on all Amazon purchases, making it a must-have for frequent Amazon shoppers. The welcome bonus of a $150 gift card further enhances its value, providing immediate rewards upon approval.
Pros:
- High cash back on Amazon purchases
- No annual fee
Cons:
- Requires Amazon Prime membership
- High APR
- 4%Cash back on gas purchases
- 3%Cash back on restaurants and eligible travel
- 2%Cash back on all other Costco purchases
- 1%Cash back on all other purchases
N/A
Earn 4% cash back on eligible gas purchases, 3% on restaurants and eligible travel, 2% on all other Costco and Costco.com purchases.
18.74%-26.74% Variable APR
The Costco Anywhere Visa Card by Citi shines for its high cash back rates on gas and dining, making it an excellent choice for those who frequently fill up their tanks or dine out. Its no annual fee structure adds to its appeal, especially for Costco members.
Pros:
- No annual fee
- High cash back on gas and dining
Cons:
- Requires Costco membership
- No sign-up bonus
4.MyLowe's Rewards Credit Card
Synchrony Bank
- 20%Discount on first purchase
- 5%Discount on eligible purchases
The MyLowe's Rewards Credit Card welcome bonus gives you 20% off an eligible purchase when you open and use a new account, with a maximum discount of $100.
Get 5% off your eligible purchase or order charged to your MyLowe's Rewards Credit Card.
31.99% Variable APR
The MyLowe's Rewards Credit Card is a strong contender for home improvement enthusiasts, offering a significant 20% discount on the first purchase. This card is particularly beneficial for those who frequently shop at Lowe's, thanks to its ongoing 5% discount on eligible purchases.
Pros:
- 20% off first purchase
- No annual fee
Cons:
- High APR
- Limited to Lowe's purchases
- 0%No ongoing rewards
Save up to $100 on a qualifying purchase when you open a new credit card with The Home Depot.
The Home Depot Consumer Credit Card does not offer ongoing cash back, points, or rewards.
29.99% Variable APR
The Home Depot Consumer Credit Card offers a unique tiered discount structure for new cardholders, providing savings on the first purchase. However, it lacks ongoing rewards, making it less appealing for those seeking continuous benefits.
Pros:
- No annual fee
- Tiered discount on first purchase
Cons:
- No ongoing rewards
- High APR
6.OnePay CashRewards Card
Walmart
- 5%Cash back at Walmart for Walmart+ members
- 3%Cash back at Walmart
- 1.5%Cash back on all other purchases
The OnePay CashRewards Card offers a welcome bonus of $35 cash back after you spend $75 or more within the first 30 days of account opening.
Earn unlimited 5% cash back at Walmart as a Walmart+ member, 3% cash back at Walmart for everyone else, plus 1.5% cash back on all other purchases.
20.24%-30.74% Variable APR
The OnePay CashRewards Card is particularly appealing for Walmart shoppers, offering up to 5% cash back for Walmart+ members. Its welcome bonus of $35 adds immediate value, making it a great choice for those who frequently shop at Walmart.
Pros:
- No annual fee
- High cash back at Walmart
Cons:
- Requires Walmart+ for maximum rewards
- High APR
Did you know?
Before you apply, look up credit card basics like APR and fees in our Financial Dictionary. Rewards pay off most when your real spending already hits the card's bonus categories.
Final Words
As you consider the best store credit cards this September, remember that the right choice can maximize your savings and rewards. Take time to compare your options carefully, ensuring you select a card that aligns with your shopping habits and financial goals.
Frequently Asked Questions
Get $50 in Target Circle Rewards when you spend $50 on your Target Circle credit card.
You earn 1% back on qualifying purchases to use toward future shopping trips. Additionally, you get 5% off your Target purchase instantly.
The Prime Visa card currently offers a $150 Amazon Gift Card sign-up bonus upon approval for eligible new cardholders.
You can earn unlimited 5% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases. Furthermore, you earn 2% back on select purchases.
You earn 4% cash back on eligible gas purchases, 3% on restaurants and eligible travel, 2% on all other Costco and Costco.com purchases, and 1% on all other purchases.
Many store credit cards come with no annual fees, making them a budget-friendly option. However, it's important to review each card's terms, as some premium cards may charge fees.
When choosing a store credit card, consider the rewards structure, any fees, and where you frequently shop. Look for cards that offer the best rewards for your spending habits.
To maximize rewards, use your store credit card for purchases at the respective retailer and take advantage of promotional offers. Additionally, consider combining it with loyalty programs for extra benefits.
