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Retail

Retail rewards are a good way to get something back from the purchases you are making. These reward credit cards allow you to earn points that can be applied to various types of products including gift certificates and merchandise from your favorite retailer. Those looking for a retail credit line should keep an eye out for these lucrative offers.

TrueEarnings(R) Card from Costco and American Express

Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
No Annual Fee with your paid Costco Membership
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
No Limit on the Cash Back earned

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
See Terms*	See Terms*	15.24%	See Terms*	Yes	Excellent

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Discover® More Card

0% intro APR on balance transfers for a full 15 months, then the Regular APR
0% intro APR on purchases for a full 6 months, then the Regular APR
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%*	6 Months*	11.99% - 20.99% (Variable)*	None	Yes	Excellent

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American Express(R) Gold Card

Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in 60 seconds.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	N/A	$125 annual fee	No	Excellent

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Discover® MotivaCard

Cash rewards for your good credit management
Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
Up to 1% unlimited Cashback Bonus on all other purchases
3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
3.99% intro APR on purchases for a full 12 months, then the Regular APR

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
3.99%*	12 Months*	11.99% - 20.99% (Variable)*	None	Yes	Good

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The Platinum Card(R) from American Express

Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership - redeemable for one domestic round-trip Coach-Class airline ticket!
Airport Club Access: Access airport lounges around the world, compliments of Airport Club Access Program.
24-Hour Concierge Service: From buying gifts to making reservations, the Platinum Card(R) Concierge is at your service so you can spend your energy doing what you want.
FINE HOTELS & RESORTS: Receive special amenities and comforts when staying at more than 600 boutique, resort and luxury hotels around the world.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	N/A	$450 annual fee	No	Excellent

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Fingerhut Credit® Account

Get the things you want at low monthly payments with Fingerhut Credit!
Why Fingerhut Credit?
No down payments, no layaway, no surprises
Affordable monthly payments
We often say "Yes!" when others say "No".
The Fingerhut Credit Account is offered to US residents by MetaBank, a federally chartered savings association and FDIC member located in Sioux Falls, SD, who determines eligibility and qualifications for the terms of credit.
*If you apply and are accepted for a Fingerhut Credit Account issued by MetaBank, who determines eligibility and qualifications for the terms of credit.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	24.90% - 29.90%	N/A	No	Poor

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USA Gold Shopping Card

*Guaranteed Instant Online Approval!
$5000 Unsecured Gold Merchandise Credit Line!
NO Credit Checks or Credit Turndowns!
NO Employment Verifications!
Upon request, credit limits increases are available to those that qualify.
Establish Credit by Reporting to Major Credit Bureau!
Receive a *Free $50 Gift Card!
After enrolling you'll receive a $300 Grocery Coupon Card

^{*see website for terms and conditions}

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
*	*	*	See Terms*	No	Bad

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American Express(R) Premier Rewards Gold Card

3-2-1 Points: Earn Membership Rewards(R) points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
No annual fee for your first year, a savings of $175
Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership
Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	N/A	See Terms*	No	Good

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Zync from American Express(SM)

Earn 10,000 Membership Rewards(R) points after first purchase
Enjoy a low annual fee of just $25 for Basic Card
Pay no interest - that's because you pay in full each month
Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
Protect eligible purchases with Purchase Protection and Extended Warranty
Earn Membership Rewards(R) points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	N/A	$25 annual fee	No	Excellent

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Click here for Retail Student Credit Cards

Benefits of Retail Credit Cards

Brand name companies and retail stores often provide credit cards to their patrons. These cards offer lucrative credit limits that allow individuals to make purchases at their facility or on their products only. These credit lines may or may not offer rewards. Those who have a good credit score and who regularly shop at the retailer should consider the rebate type of cards specifically since they focus on these consumers.

Most brand credit lines like this are only able to be used at the company the card is issued for. With each purchase, up to 5% of a rebate is earned on the purchase. This is often noted in the form of points. Points are often based on one point for one dollar spent. Once a minimum level is reached, the points may be redeemed. Some credit lines offer a cash back rebate. Other reward options include gift certificates or free products and services.

When choosing retail reward cards like this, be sure to read through the terms and conditions. This will tell you how many points are required to seek redemption. It will also give you information on what the points are redeemed for and if there is an expiration on those points. Learn about the interest rate charged and other factors associated with the credit line as well.

Retail and brand name credit cards are an excellent option if you plan to use the credit line regularly. If the company is one you frequent often, these rewards can be an ideal investment since you can apply the rebate on your credit line or get free products you are interested in. In fact, using retail cards like this is an excellent way to save money on the purchases you are already making on the brand.

Introductory Rate	Purchases:	See Terms*	Balance Transfers:	See Terms*
Introductory Period	Purchases:	See Terms*	Balance Transfers:	See Terms*
Regular APRs	Purchases:	15.24%	Balance Transfers:	See Terms*
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	See Terms*	Balance Transfers:	See Terms*
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	0%*	Balance Transfers:	0%*
Introductory Period	Purchases:	6 Months*	Balance Transfers:	15 Months*
Regular APRs	Purchases:	11.99% - 20.99% (Variable)*	Balance Transfers:	11.99% - 20.99% (Variable)*
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	None	Balance Transfers:	See Terms*
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	N/A	Balance Transfers:	N/A
Introductory Period	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	$125 annual fee	Balance Transfers:	See Terms*
Fees	Late:	See Terms *	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	3.99%*	Balance Transfers:	3.99%*
Introductory Period	Purchases:	12 Months*	Balance Transfers:	15 Months*
Regular APRs	Purchases:	11.99% - 20.99% (Variable)*	Balance Transfers:	11.99% - 20.99% (Variable)*
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	None	Balance Transfers:	See Terms*
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	N/A	Balance Transfers:	N/A
Introductory Period	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	$450 annual fee	Balance Transfers:	See Terms*
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.