Best Credit Cards For Department Store Spending

Those of you that are looking for the most optimal card to maximize your Department Store spending needs, then you have come to the right place. We have dug in our archive of “Best Credit Cards” to further inform you on better options when it comes to getting the most out of your rewards for Department Store spend.

Admittedly enough, there’s a huge market just for Department store cards that offer a sky-high interest rate with little to no rewards whatsoever, which makes it all the more necessary to distinguish between the more effective cards on behalf of all humanity.

U.S. Bank Cash+ –  5% Cash Back:

Sign up today for the U.S. Bank Cash+™ Visa Signature® Card and receive up to 5% cashback on categories you choose. you’ll receive 5% cashback on your first $2,000 in combined net purchases each quarter on two categories that you choose and 2% cashback on your choice of one everyday category such as gas or groceries. For everything else, you’ll still earn 1% cashback. Since department store purchases is one of the categories you can choose for your 5%, this makes the Cash+ the king of Department Store Credit Cards.

U.S. Bank Cash+ Visa Signature Card Summary:

• Apply Now
• Earning Rate: 5% cash back
• Maximum Bonus: $125 Cash Bonus
• Spending Requirement: $500 in the first 90 days + first time you redeem $100 or more in a single redemption.
• Annual Fee: None
• Expiration Date: None
• Additional Advice: There’s no limit to the total cash-back that you earn.

Target REDcard – 5% Cash Back:

Essentially with a Target RedCard, you will be getting 5% cash back on all your Target purchases making it a great mechanism for your Department Store Rewards. However, given that this is a specific store card, you will only be able to get the 5% cash-back on your Target purchases. This is quite understandable and if you shop at Target quite often, then this card could save you big. Not only that, when you shop Target online, you will receive free shipping on most orders at Target.com + 30 extra days for returns.

Target REDcard from TD Bank Summary:

• Apply Now
• Earning Rate: 5% Cash Back (Target Only)
• Annual Fee: $0
• Expiration Date: None
• Additional Advice: This card will only be beneficial to you if you are able and willing to make a frequent spend at Target.

Blue Cash Preferred Card – 3% Cash Back:

With the Blue Cash Preferred® Card from American Express, you will be earning a 3% cash back at US gas stations and select US department stores. There will be no caps on your points earned in this category, however, there is a $95 annual fee attached. In addition, you will be able to earn 6% at US supermarkets, up to $6,000 per year in purchases (then 1%).

Blue Cash Preferred Card from American Express Summary:

• Learn More
• Earning Rate: 3% U.S. gas stations & select U.S. dept. stores; 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%); 1% other purchases.
• Maximum Bonus: $250
• Spending Requirement: Must spend $1,000 within first 3 months
• Annual Fee: $95
• Expiration Date: None
• Additional Advice: The 6% is capped for $6,000 per year then 1% if you max out the spending.

Huntington Voice Credit Card – 3% Cash Back:

You will be able to pick your 3x Rewards category per quarter and one of the choices is 3X for “Department Store Spending” with the Huntington Voice Credit Card. “Reap 3x rewards on a wide range of items, including speakers, sneakers, gifts and games.” On top of that, this card has no annual fee attached. Keep in mind that you will be capped at $2,000 a quarter. Moreover, this card isn’t really well-rounded for your spend since you’re limited to one category, therefore, a 2X flat cash-back everyone could be a better option (Citi® Double Cash Card – 18 month BT offer)

Huntington Voice Credit Card Summary:

• Apply Now
• Earning Rate: 3X your choice
• Annual Fee: None
• Bonus Worth: None
• Expiration Date: None
• Additional Advice: Keep in mind that you will be capped at $2,000 a quarter

Walmart MasterCard – 3% Cash Back:

Get your hands on a Walmart Mastercard and you will be able to save 3% on Walmart.com purchases, 2% on Murphy USA & Walmart gas, and 1% at Walmart and anywhere that this card is accepted. Not only that but you will be saving $25 when you open a Walmart® Credit Card and spend $75 today. Take advantage of free monthly FICO® Score when you enroll in electronic statements online.

Keep in mind that this card will only be maximizing your spend if you’re able to frequently purchase from Walmart’s online store. Also, it’s pretty difficult to get your hands on this card.

Walmart MasterCard Credit Card Summary:

• Apply Now
• Earning Rate: 3X on Walmart.com purchases
• Annual Fee: None
• Bonus Worth: None
• Expiration Date: None
• Additional Advice: This card will only be worth it for you if you are able to put a frequent spend on Walmart.com. Keep in mind that you get 1x at Walmart in-stores and this card can be quite a hassle to get approved for.

Honorable Mentions:

• Chase Freedom: The card has a 5x rotating category where they would casually throw in Department Stores for the category, however, for the first and second quarter, this isn’t the exception. Keep in mind that if you have a Chase checking account, you will be able to reap an additional 10%.
• Citi Dividend: There’s that special occasion where you will be able to get Department Store purchases as a quarterly 5% category. The total cash back you can earn with the card is $300 per calendar year.

Conclusion:

If you’re currently in the market for a Department Store Credit Card that gives you a higher value when it comes to their rewards structure, then this is your list! This list includes the cards we believe to give you the most lucrative benefits when you maximize your spending. Now, there’s tons of credit cards out there with below average rewards to pair with your department store spending and a lot of them offer a sky-high interest rate with the hopes of attracting individuals with desperately low credit. If you fall under this category, it’s recommended that you just check out our Best Secured Credit Cards List. Find out which card is right for you by checking out our complete list of Credit Card Promotions today!