Store credit cards versus buy now, pay later . Since buy now, pay later services became available, retail stores have been offering them to customers along with store credit cards.

We evaluated over 75 store credit cards to determine which were the best by category. Learn which merchant credit cards may be right for you in our expert analysis.

Bankrate found that the average store-only credit card has an average annual percentage rate of 30.45%, significantly higher than the average APR of 20.78% for all credit cards.

Also important to keep in mind that it’s really a 4-in-1 store card. Old Navy’s credit card is not just usable at Old Navy stores and online, but it can also be used at GAP, Banana Republic ...

With non-store credit cards, however, you may be given have a wider range of rewards and options, such as cash back. Store credit cards can put you at risk of spending more than you should.

For example, if a store card gives you a $300 credit limit and you have a $270 balance, you'll have a 90% CUR — which is very high. Financial experts generally recommend have a CUR below 30%.

Learn how to prevent credit card fraud with simple steps to protect your financial information from scams and theft.

Key takeaways. The retail credit card issuer may offer different options to you once the store closes, like letting you use the card at sister stores or businesses if they remain open.

Select analyzed the best store credit cards that provide rewards, special financing offers and free shipping perks that make opening a store-specific card worthwhile. Updated Tue, Jul 1 2025.

Bankrate found that the average store-only credit card has an average annual percentage rate of 30.45%, significantly higher than the average APR of 20.78% for all credit cards.

A tip to build healthy habits is to set specific parameters when using your store credit card, James said. For example, using your store credit card only for purchases over $50. That way you can ...

Bankrate found that the average store-only credit card has an average annual percentage rate of 30.45%, significantly higher than the average APR of 20.78% for all credit cards.