Store credit cards are more It has several advantages. It is often easy to qualify. This is useful if you are working to establish trust. You can also earn extra perks and rewards at the places you shop often.

The downside is that store credit cards often charge higher interest rates, but if you pay off your card in full each month, you can avoid interest altogether. In many cases, the store only accepts store credit cards. For example, the Gap Good Rewards Credit Card can only be used at Gap, Inc. stores. This card cannot be used to purchase groceries, etc.

But not all store credit cards are true.We've identified the top store credit cards that let you earn extra rewards at your favorite merchants and swipe elsewhere. , will greatly help you simplify your household budget and get more store rewards from your daily spending.

Amazon Prime Rewards Visa Signature Card: Great for Online Shopping

• Reward Rate: 5% cashback on Amazon.com and Whole Foods Market. 2% cash back at gas stations, drug stores and restaurants. 1% cash back on all other purchases.
• Annual fee: $0 ($139 Amazon Prime subscription required)
• Recommended credit score: Good Very Good

For anyone who shop online, Amazon is the place to buy anything you need online. Get 5% cash back on all Amazon and Whole Foods purchases as long as you maintain an active Amazon Prime subscription with this card (If your subscription expires, you'll only get 3% cash back — Still not bad) ).

The Amazon Prime Rewards Visa Signature Card also has frequent promotions. For example, as of this writing, he can receive a $150 Amazon gift card after approval. Note that such sign-up bonuses do not require you to spend any money to get them, but you may have to pay taxes on them.

TJX Rewards Platinum Mastercard: Perfect for Mall Shoppers

• Reward Rate: 5% Store Benefits
• Annual Fee: $0
• Recommended credit score: N/A

Like many retail credit cards, this card comes in two versions. The TJX Rewards Card, which can only be used in select stores, and the TJX Rewards Platinum Mastercard, which can be used anywhere. The TJX Rewards Platinum Mastercard isn't the flashiest store credit card as it only earns high reward rates when used at TJX branded stores. Still, the offer is not true cashback, as you can only redeem the offer at his T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores in the US and Puerto Rico.

Apple Card: Apple Great for fans

• reward rate: 3% back when you shop at Apple and select retailers, 2% back on other spending when you pay with Apple Pay, 1% back on all other purchases
• Annual Fee: $0
• Recommended Credit Score: 600+

Apple Card offers a wide range of Apple We offer 3% cash back on products, purchases from the app and the iTunes store, and hardware such as phones and earbuds. You can also earn the same percentage cashback with his partners at popular merchants such as Exxon, Uber and Panera Bread.

When you add your Apple Card to your digital wallet, you can also use your iPhone or Apple Watch directly on the Tap-to-Pay terminal and earn double the cashback of swiping your card. Plus, the card makes it easy to set up free installment plans for Apple's expensive new hardware.

Verizon Visa Card: Best for Dining

• Points Redemption Rate: 4% back in Verizon dollars on gas and groceries. 3% back in Verizon dollars at restaurants. 2% back in Verizon dollars on Verizon purchases. Otherwise 1% back in Verizon Dollars
• Annual Fee: $0
• Credit Requirements: N/A

You must already be a Verizon customer to be eligible for this card, but if you love food, this credit card has surprisingly good benefits. Unlike other credit cards that limit the amount you can earn on groceries, this card has no limits. The downside is that the rewards (Verizon dollars) are not redeemable for cash, so they are quite limited.

Verizon bills and other Verizon purchases, travel through Verizon's travel portal, and even redeemable for gift cards (although gift cards are typically the most valuable in most credit card rewards programs). low redemption option). However, it frees up money that you would normally spend on Verizon bills. This is effectively a roundabout way to earn cash back.

Citi's Costco Anywhere Visa Card: Great for Gas

• Reward Rate: 4% cash back on qualifying gas and EV charging purchases, including gas at Costco (first $7,000 annual , 1% thereafter), 3% cash back on restaurant and eligible travel purchases, 2% cash back on all Costco and Costco.
• Annual fee: No annual fee with paid Costco membership ($60)
• Credit requirements: Excellent

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Costco has a cult following. If you're an avid member (you must be that member to take advantage of this members-only offer) Citi's Costco Anywhere Visa® Card is a great option. While Gus' high cashback rate is somewhat limited, it's a well-balanced credit card that balances major expenses in most family lives, especially given the wide range of items available in this popular warehousing sector.

The thing to note about this card is that you can't redeem the reward at any time like you can with other cards. Once a year, after the February statement closes, a rewards certificate is issued that lists all accumulated rewards. You can then take this certificate to Costco to use on your next purchase or trade it in for cash back.