Building good credit is a key factor in achieving financial success. Having a good credit score can open the door to a variety of opportunities, such as qualifying for a loan or getting lower interest rates on credit cards. One of the best ways to establish and maintain a good credit score is to use an in-store credit card.
In-store credit cards are designed to help customers build credit by providing a way to make purchases and pay them off over time. In this article, we discuss the 10 best in-store credit cards to build your credit.
1. Walmart Credit Card
The Walmart Credit Card is one of the most popular in-store credit cards for its wide range of benefits. The card offers 0% APR financing for up to 24 months on purchases over $150, making it ideal for big-ticket items. You can also earn rewards when you shop at Walmart, including 3% cash back on Walmart.com purchases, 2% cash back on Walmart gas purchases, and 1% cash back on all other Walmart purchases. The Walmart Credit Card also provides cardholders with access to exclusive discounts and offers.
2. Target REDcard
The Target REDcard is another popular option for building credit. It offers cardholders a 5% discount on most Target purchases, including groceries, clothing, and home goods. The card also provides access to exclusive discounts and offers. Additionally, the Target REDcard has no annual fee and provides cardholders with fraud protection.
3. Amazon Store Card
The Amazon Store Card is a great option for building credit. It offers 0% APR for up to 6 months on purchases over $149, making it ideal for larger purchases. Cardholders can also earn rewards when they shop at Amazon, including 3% cash back on Amazon purchases and 2% cash back on gas purchases. Additionally, the Amazon Store Card provides cardholders with access to exclusive discounts and offers.
4. Costco Anywhere Visa Card
The Costco Anywhere Visa Card is a great option for building credit. It offers cardholders a 4% cash back on eligible gas purchases, 3% cash back on eligible restaurant and travel purchases, 2% cash back on all other purchases, and 1% cash back on all other purchases. Additionally, the card has no annual fee and provides cardholders with fraud protection.
5. Lowe’s Credit Card
The Lowe’s Credit Card is one of the most popular in-store credit cards for its wide range of benefits. The card offers 0% APR financing for up to 24 months on purchases over $299, making it ideal for larger purchases. Additionally, the Lowe’s Credit Card provides cardholders with access to exclusive discounts and offers.
6. Kohl’s Credit Card
The Kohl’s Credit Card is a great option for building credit. It offers cardholders a 15% discount on their first purchase, as well as additional discounts throughout the year. The card also provides access to exclusive discounts and offers. Additionally, the Kohl’s Credit Card has no annual fee and provides cardholders with fraud protection.
7. Home Depot Credit Card
The Home Depot Credit Card is another popular option for building credit. It offers cardholders a 5% discount on most Home Depot purchases, including tools, appliances, and building materials. The card also provides access to exclusive discounts and offers. Additionally, the Home Depot Credit Card has no annual fee and provides cardholders with fraud protection.
8. Best Buy Credit Card
The Best Buy Credit Card is a great option for building credit. It offers cardholders 0% APR financing for up to 24 months on purchases over $149, making it ideal for larger purchases. Cardholders can also earn rewards when they shop at Best Buy, including 5% cash back on Best Buy purchases and 2% cash back on gas purchases. Additionally, the Best Buy Credit Card provides cardholders with access to exclusive discounts and offers.
9. Macy’s Credit Card
The Macy’s Credit Card is another great option for building credit. It offers cardholders a 15% discount on their first purchase, as well as additional discounts throughout the year. The card also provides access to exclusive discounts and offers. Additionally, the Macy’s Credit Card has no annual fee and provides cardholders with fraud protection.
10. JCPenney Credit Card
The JCPenney Credit Card is a great option for building credit. It offers cardholders a 15% discount on their first purchase, as well as additional discounts throughout the year. The card also provides access to exclusive discounts and offers. Additionally, the JCPenney Credit Card has no annual fee and provides cardholders with fraud protection.
Final Thoughts
In-store credit cards are a great way to build credit. They provide cardholders with access to exclusive discounts and offers, as well as the ability to make purchases and pay them off over time. By using one or more of these cards, you can build your credit and take advantage of the benefits they offer.
