What are the stores with the best credit cards?

Know your interests, annual charges and other details that will make you make the right purchase.

Buying and saving are two things that we always look for in all establishments, and more so when it is required to use a credit card in department stores, since in these difficult times money must be well managed and used.

If you are thinking of making some purchases, then you should know the best credit card options today, with which you could make a good decision by knowing their interest, annual charges and other details that will make you make the right purchase.

Experts recommend not having many credit cards, as this can lower your credit score and you would be indebted. It is important to note that in order to apply for department store credit cards you will need to have good credit and a stable salary.

Target RedCard

If you shop at Target on a regular basis, you should consider the Target REDCard for a 5% discount on your purchases. The discount is automatically applied to purchases when you make them; you do not have to accumulate rewards or deliver coupons or certificates to receive the benefit. However, the discount does not apply to prescriptions and optical exams. Plus, with the card you can get free 2-day shipping on select items and 5% off Starbucks found at Target.

On the other hand, when you get the card you will have an additional 30 days to return the items. The Target REDCard annual percentage rate is 25.15% APR and there is no annual fee.

Amazon Rewards Visa

By obtaining the Amazon card ( Amazon Prime Rewards Visa) you can have a 5% refund on all purchases made at amazon.com and WholeFoods. In addition, as it is Visa you can use the card in different restaurants, shops, gas stations and pharmacies. If you use them in restaurants you could get a 2% refund. You can also make purchases in other online stores that accept it as a payment method such as WholeFoods. At this time if your application is accepted you can receive a gift card to buy on Amazon, valued at $70.


The Costco card is one of the best credit cards for making bulk purchases. To get the card you need to have a Costco membership, which is at least $60 a year. Some of the Citibank Costco Anywhere Visa Card benefits include: 4% cash back on eligible gas purchases, 3% cash back at restaurants, and 2% cash back on all Costco purchases. The refund will be delivered to you in a certificate, which you can redeem for cash at Costco or for merchandise.

Best Buy

With the Best Buy credit card you can choose between 5% in rewards or flexible financing. With flexible financing you can decide the term to pay the debt. For example, if you spend more than $200 dollars you can decide between 6 to 12 months. On the other hand, you will be able to receive 3% cash back on eligible gas purchases, 2% cash back at restaurants, and 1% cash back on purchases. The current annual percentage rate starts at 25.49% to 30.24% APR.


With the Lowe’s credit card you will get excellent benefits such as: 5% discount on selected items or promotional financing that the store has at the time of making the purchase. This card is a great choice if you shop frequently at Lowe’s and want to earn more rewards for your purchases.