Store Credit Cards - Calculators

Review benefits and calculate how much you can earn with store credit cards based on spend. Compare results against top rewards credit cards side by side.
Updated 2021-01-14 By Robert Flowers III

If you're trying to maximize your rewards and benefits with a specific retailer, picking up a store card is usually the route to take. You'll usually receive a great return when spending with the retailer and you'll receive exclusive benefits. The main drawback to store cards is that they have very high interest rates that can easily cancel out the rewards you've earned. If you don't plan on paying your full balance off every month, I do not recommend picking up a store card since the interest will cancel out any rewards you've earned.

This page features all store credit cards features on the website. You can click on a card to learn more about the earnings, perks & benefits, standard sign up bonus, and annual fees. You'll also be able to calculate total rewards based on spend and compare the results side by side top U.S. cards featured on the site.

Amazon Credit Cards

Amazon Prime Store Card

Amazon Prime Store Card Calculator

Earns 5% back on Amazon.com purchases. Can only be used with Amazon. Option to choose between cash back or promotional financing for each card purchase. No annual fee, but requires Prime Membership. Great option for anyone looking to earn on Amazon purchases only.
Chase Amazon Card

Chase Amazon Card Calculator

Earns 3% back on Amazon and Whole Foods Market purchases, 2% back on restaurant, gas station, and drugstore purchases, and 1% back on everything else. Benefits include Visa Signature benefits and Chase's great travel and purchase coverage. No annual fee.
 Chase Amazon Prime Card

Chase Amazon Prime Card Calculator

Earns 5% back on Amazon and Whole Foods Market purchases, 2% back on restaurant, gas station, and drugstore purchases, and 1% back on everything else. Benefits include Visa Signature benefits and Chase's great travel and purchase coverage. No annual fee, but requires Prime Membership.
Amazon Business AMEX Card

Amazon Business AMEX Card Calculator

Earns 3% back on Amazon and Whole Food Stores purchases, 2% back on U.S. restaurant, U.S. gas stations, and U.S. wireless telephone service purchases, and 1% back on everything else. Benefits include 60-day payment terms, enhanced data view on Amazon Business purchases, and standard AMEX credit card benefits. No annual fee.
Amazon Business Prime AMEX Card

Amazon Business Prime AMEX Card Calculator

Earns 5% back on Amazon and Whole Food Stores purchases, 2% back on U.S. restaurant, U.S. gas stations, and U.S. wireless telephone service purchases, and 1% back on everything else. Benefits include 90-day payment terms, enhanced data view on Amazon Business purchases, and standard AMEX credit card benefits. No annual fee, but requires Prime Membership.

American Eagle Credit Cards

American Eagle Visa Card

American Eagle Visa Card Calculator

Earns 5 RealRewards Points per $1 spent on all non-American Eagle brand purchases. Does not earn any rewards with American Eagle. It offers complimentary Level 2 status which grants +5 bonus points. Other benefits include pick your own sale day, free shipping & returns, and exclusive cardmember sales. No annual fee.
American Eagle Store Card

American Eagle Store Card

No Calculator. This card does not earn any rewards. It offers complimentary Level 2 status which grants +5 bonus points. Other benefits include pick your own sale day, free shipping & returns, and exclusive cardmember sales. No annual fee.

Apple Credit Cards

Apple Card

Apple Card Calculator

Earns 3% back on Apple purchases and with select partners when you use Apple Pay, 2% back on other Apple Pay purchases, and 1% back when you make non-Apple Pay purchases or use the physical card to pay for a purchase. No annual fee.

At Home Credit Cards

At Home Mastercard

At Home Mastercard Calculator

Earns 5 At Home Rewards Points per $1 spent at At Home, 3 points per $1 spent on grocery purchases, and 1 point per $1 spent everywhere else. Card offers special financing. No annual fee.
At Home Store Card

At Home Store Card Calculator

Earns 5 At Home Rewards Points per $1 spent at At Home. Can only be used at At Home stores. Card offers special financing. No annual fee.

Barnes and Noble Credit Cards

Barnes and Noble Mastercard

Barnes and Noble Mastercard Calculator

Earns 2 BN Points per $1 spent at restaurants and 1 point per $1 spent everywhere else. Card does not earn points on Barnes and Noble purchases. Benefits include 5% discount on Barnes and Noble purchases and Barnes and Noble Membership after running $7,500 in spend across the card.

Belk Credit Cards

Belk Mastercard

Belk Mastercard Calculator

Earns 3% to 5% back on Belk purchases based on how much you spend with them per year. Also earns 2% back on gas station and supermarket purchases and 1% back on verything else. Benefits are based on yearly spend which includes benefits such as exclusive savings events, VIP savings days, flexible payments, and free shipping at belk.com. No annual fee.

Best Buy Credit Cards

Best Buy Visa Card

Best Buy Visa Card Calculator

Earns 2.5 Best Buy Points per $1 spent with Best Buy, 1.5 points per $1 spent on gas purchases, 1 point per $1 spent on supermarket and dining purchases, and 0.5 points per $1 spent on everything else. The card offers Best Buy Flexible Financing. No annual fee.
Best Buy Store Card

Best Buy Store Card Calculator

Earns 2.5 Best Buy Points per $1 spent with Best Buy. Can only be used in-store or online with Best Buy. The card offers Best Buy Flexible Financing. No annual fee.

BJ's Credit Cards

BJ's Perks Elite Mastercard

BJ's Perks Elite Mastercard Calculator

Earns 5% back on BJ's purchases, 2% back on dining and gas station purchases, and 1% back everywhere else. Benefits include 10 cent off/gal BJ's Gas and a promotional credit plan on eligible purchases.
BJ's Perks Plus Mastercard

BJ's Perks Plus Mastercard Calculator

Earns 3% back on BJ's purchases, 2% back on dining and gas station purchases, and 1% back everywhere else. Benefits include 10 cent off/gal BJ's Gas and a promotional credit plan on eligible purchases.

Costco Credit Cards

Costco Anywhere Visa Card

Costco Anywhere Visa Card Calculator

Earns 4% cash back on gas station purchases (includes Costco Gas Station), 3% back on travel and restaurant purchases, 2% back in-store and online with Costco, and 1% back on everything else. No annual fee, but requires Costco Membership. Personal & Business card are identical.
Costco Anywhere Business Visa Card

Costco Anywhere Visa Business Card Calculator

Earns 4% cash back on gas station purchases (includes Costco Gas Station), 3% back on travel and restaurant purchases, 2% back in-store and online with Costco, and 1% back on everything else. No annual fee, but requires Costco Membership. Personal & Business card are identical.

Ducks Unlimited Credit Cards

Gap Credit Cards

 Athleta Visa Card

Athleta Visa Card Calculator

Earns 5 Gap Rewards Points per $1 spent at Gap brands and 1 point per $1 spent everywhere else. Benefits include annual birthday gift, expedited shipping passes, exclusive bonus point shopping days, and early access to sales and seasonal arrivals. No annual fee.
Athleta Visa Store Card

Athleta Visa Store Card Calculator

Earns 5 Gap Rewards Points per $1 spent at Gap brands. Card can only be used at Gap brand stores. Benefits include annual birthday gift, expedited shipping passes, exclusive bonus point shopping days, and early access to sales and seasonal arrivals. No annual fee.
Banana Republic Card

Banana Republic Visa Card Calculator

Earns 5 Gap Rewards Points per $1 spent at Gap brands and 1 point per $1 spent everywhere else. Benefits include annual birthday gift, bonus point shopping days, special offers, early access to sales, and the ability to spend your way to Luxe status.
Banana Republic Store Card

Banana Republic Store Card Calculator

Earns 5 Gap Rewards Points per $1 spent at Gap brands. Can only be used at Gap brand stores. Benefits include annual birthday gift, bonus point shopping days, special offers, early access to sales, and the ability to spend your way to Luxe status.
Banana Republic Luxe Card

Banana Republic Luxe Visa Card Calculator

Obtained by spending $5,000 on the Banana Republic Visa Card. Earns 5 Gap Rewards Points per $1 spent at Gap brands and 1 point per $1 spent everywhere else. Benefits include 20% bonus points, free 3-5 day shipping, free basic alterations, and all perks offered on the standard Visa card.
Banana Republic Luxe Store Card

Banana Republic Luxe Store Card Calculator

Obtained by spending $5,000 on the Banana Republic Store Card. Earns 5 Gap Rewards Points per $1 spent at Gap brands. Can only be used at Gap brand stores. Benefits include 20% bonus points, free 3-5 day shipping, free basic alterations, and all perks offered on the standard store card.
Old Navy Credit Card

Old Navy Visa Card Calculator

Earns 5 Gap Rewards Points per $1 spent at Gap brands and 1 point per $1 spent everywhere else. Benefits include exclusive cardmember only offers, early access to sales, and the ability to spend your way to Navyist status.
Old Navy Store Card

Old Navy Store Card Calculator

Earns 5 Gap Rewards Points per $1 spent at Gap brands. Can only be used at Gap brand stores. Benefits include exclusive cardmember only offers, early access to sales, and the ability to spend your way to Navyist status.
Old Navyist Credit Card

Old Navyist Visa Card Calculator

Obtained by spending $5,000 on the Old Navy Visa Card. Earns 5 Gap Rewards Points per $1 spent at Gap brands and 1 point per $1 spent everywhere else. Benefits includes 20% bonus points, free 3-5 day shipping, free basic alterations, and all perks offered on the standard Visa card.
Old Navyist Store Card

Old Navyist Store Card Calculator

Obtained by spending $5,000 on the Old Navy Store Card. Earns 5 Gap Rewards Points per $1 spent at Gap brands. Can only be used at Gap brand stores. Benefits includes 20% bonus points, free 3-5 day shipping, free basic alterations, and all perks offered on the standard store card.

JCPenney Credit Cards

JCPenney Credit Card Card

JCPenney Store Card Calculator

Earns 1 JCPenney Point per $1 spent at JCPenney. Can only be used in-store and online with JCPenney and at retailers within JCPenney stores. Benefits includes special financing offers and access to the full JCPenney Rewards program.

Kroger Credit Cards

Kroger REWARDS Mastercard

Kroger REWARDS Mastercard Calculator

Earns 3 Kroger Rewards Points per $1 spent on Kroger Family of Companies Own Brand Products, 2 points per $1 spent at Kroger Family of Companies, and 1 point per $1 spent everywhere else. Card offers a 5 cent/gal discount on fuel centers owned by Kroger Family of Companies. No annual fee.
Kroger Prepaid Visa Card

Kroger Prepaid Visa Card Calculator

Prepaid Card. Earns 3 Kroger Rewards Points per $1 spent on Kroger Family of Companies Own Brand Products, 2 points per $1 spent at Kroger Family of Companies, and 1 point per $1 spent everywhere else. Card offers a 5 cent/gal discount on fuel centers owned by Kroger Family of Companies.

Lowe's Credit Cards

Lowe's Credit Card

Lowe's Credit Card Calculator

Earns 5% back on in-store and online purchases with Lowe's or 6-month financing on eligible purchases. Card offers the option to choose between cash back or financing per purchase. Project financing is also available on $2,000+ purchases made to the card. No annual fee.
Lowe's American Express Business Card

Lowe's American Express Business Card Calculator

Earns 3 Lowe's Business Rewards Points per $1 on U.S. restaurant, U.S. office supply stores, and U.S. wireless phone provider purchases, 2 points per $1 spent at Lowe's and 1 point per $1 spent everywhere else. Benefits include 5% off Lowe's purchases, Lowe's Pro Services, and AMEX Business Card benefits. No annual fee.

Macy's Credit Cards

Macy's AMEX Card

Macy's AMEX Card Calculator

Earns 2 to 5 Macy's Star Rewards Points based on status with Macy's, 3 points per $1 on restaurant purchases, 2 points per $1 on supermarket and gas station purchases, and 1 point per $1 spent everywhere. The card offers full access to the Star Rewards Program. No annual fee.
Macy's Store Card

Macy's Store Card Calculator

Earns 2 to 5 Macy's Star Rewards Points based on status with Macy's. Cannot be used outside of Macy's. The card offers full access to the Star Rewards Program. No annual fee.

Sam's Club Credit Cards

Sam's Club Mastercard

Sam's Club Mastercard Calculator

Earns 5% cash back on U.S. gas station purchases (includes Sam's Club and Walmart gas stations), 3% back on dining and travel purchases, and 1% back on all other purchases (including Sam's Club purchases). No annual fee, but requires Sam's Club Membership.

Sephora Credit Cards

Sephora Visa Card

Sephora Visa Card Calculator

Earns 4% back spending in-store or online directly with Sephora and 1% back on everything else. Card grants access to exclusive cardmember-only offers and comes with basic Visa benefits. No annual fee.
Sephora Store Card

Sephora Store Card Calculator

Earns 4% back spending in-store or online directly with Sephora. Store card with no network meaning it can't be used outside of Sephora. Card grants access to exclusive cardmember-only offers. No annual fee.

Target Credit Cards

Target RedCard

Target RedCard Calculator

Earns 5% back on Target purchases. Can only be used in-store or online with Target (includes stores within Target such as Starbucks). Benefits include free 2-day shipping, extended returns, and exclusive deals.

Ulta Credit Cards

Ulta Mastercard

Ulta Mastercard Calculator

Earns 1 point per $1 spent on Ulta purchases (on top of normal points earned from being a member) and 1 point per $3 spent on all other purchases. No annual fee.
Ulta Credit Card

Ulta Credit Card Calculator

Earns 1 point per $1 spent on Ulta purchases (on top of normal points earned from being a member). No annual fee.

Upromise Credit Cards

Upromise Mastercard Calculator

Upromise Mastercard Calculator

Earns 1.25% back on all purchases. Benefits includea a 15% boost when you link your account to a 529 college savings plan, purchase round-up for puting your own money aside, and ShopRunner membership. No annual fee.

Verizon Credit Cards

Verizon Visa Card

Verizon Visa Card Calculator

Earns 4% back on grocery and gas station, 3% back on dining, 2% back on Verizon purchases, and 1% back on everything else. Benefits include 2 free TravelPass day passes per year, a Verizon Discount, and standard Visa Signature benefits.

Walmart Credit Cards

Capital One Walmart Rewards Mastercard

Capital One Walmart Rewards Mastercard Calculator

Earns 5% cash back on Walmart.com and Walmart Mobile Apps, 2% back on in-store Walmart purchases, at Walmart & Murphy gas stations, on purchases of gift cards at Walmart, and on dining & travel purchases. All other purchases earn 1% back. No annual fee.
Capital One Walmart Rewards Store Card

Capital One Walmart Rewards Store Card Calculator

Earns 5% cash back on Walmart.com and Walmart Mobile Apps, 2% back on in-store Walmart purchases, at Walmart & Murphy gas stations, and on purchases of gift cards at Walmart. Card cannot be used outside of those categories. No annual fee.

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