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Department store credit cards are often easy to get if you have fair or less-than-stellar credit. While the credit limits on these cards tend to be low and they may only work at the retailer, this can be a good thing if you need to reestablish or build your credit history and they almost never have an annual fee. Many store cards also offer nice perks, including free shipping, store-wide discounts, special sales, free alterations, and more. Here are some of the best department store cards to consider.

Amazon Prime Store Card

amazon-prime-store-cardShop at Amazon frequently? It’s hard to beat the Prime Store card. This card has no annual fee and you will require very good to excellent credit, but you earn an unlimited 5% back on all purchases in the form of a statement credit. You can also take advantage of a 0% interest financing offer for 6-24 months on purchases of $149 or more. If you use the promotional financing, make sure you pay off the full balance before the promotion ends, however, or you will be hit with deferred interest back to the date of purchase.

Only Amazon Prime members are currently eligible for the card and it only works at If you often shop at or plan to make a major purchase at the retailer, signing up may be worth it, even if it’s just to get the card. For a limited time, you will get a $40 gift card loaded onto your account when you’re approved for the card.

Gap Inc Visa Card

gap-inc-visa-cardThe Gap Visa card is a great example of an open-loop store card, which means you can use it anywhere Visa is accepted, not just the Gap. This card has no annual fee and saves you 15% on your first purchase plus it earns 5x rewards points for every $1 you spend at Gap brand stores and online and 1x points on everything else. The card earns 5x points at the Gap, Athleta, Banana Republic, and Old Navy and you can redeem your credits at any of these stores.

As an added bonus, you will get 10% off at the Gap and on the first Tuesday of every month with the ability to make returns without a receipt. If you spend $1,000 at the Gap in a year (or otherwise earn 5,000 points), you will achieve Gap Silver status with 20% quarterly rewards bonuses, free basic alterations on Banana Republic purchases, free online shipping, and more.

Kohl’s Credit Card

kohls-credit-cardIf you have bad to fair credit and want to improve your credit score, the Kohl’s credit card is a good place to start. This card is easy to qualify for and it gives you at least 12 special offers per year plus 30% off your first purchase at Kohl’s or and another 15% discount when your card arrives in the mail. The Kohl’s credit card can be combined with savings from the Yes2You Rewards program and Kohl’s Cash you earn by shopping at the store for maximum savings. If you spend $600 during the year, you will become a Most Valued Customer (MVC) and earn a minimum of 18 discounted shopping days per year.

Lowe’s Consumer Credit Card

lowes-consumer-credit-cardPlanning a home improvement project or a new appliance purchase? The Lowe’s credit card can save you big with 10% off your first purchase and 5% off every day or your choice of promotional 0% financing on a purchase of at least $299. On major purchases, you will pay no interest if you pay off the balance in full within 6 months, making it a bit easier to pay for a new refrigerator or washer and dryer set.

The Lowe’s card is one of the best credit cards for home improvement with the unlimited 5% off Lowe’s purchases or a choice of special financing. You will need fair credit to qualify, however.

Target REDcard

target-redcardWith the Target REDcard, you will earn a 5% discount at the register on all Target purchases. This is a nice perk as most cash back comes as a statement credit, not a discount from your total. You will also get 30 extra days for Target returns and free shipping on all orders, no matter how small.

While the card doesn’t offer financing promotions, there is no annual fee and you can qualify with fair credit. If you do a great deal of shopping at Target, the 5% discount can save you hundreds every year.