Best Credit Card For Department Stores

You want to maximize the return on your Department Stores credit card spends. Since not all points are of equal value, we give the best multipliers based on the value of those points.
Get rewarded for purchases made directly with stores with Department Store merchant codes, including: Bealls, Belk, Bloomingdale's, Bon Ton Stores, Boscov's, Century 21 Department Stores, Dillard's, J.C. Penney (JCP), Kohl's, Lord & Taylor, Macy's, Neiman Marcus, Nordstrom, Saks Fifth Avenue, Sears, Stein Mart. Note that some of these stores offer different rewards for for online vs. in-store purchases. The (+) version are the cards we recommend based on multiplier and signup bonus. The (-) versions include only listed stores.
US Bank Shopper Cash Rewards US Bank Shopper Cash Rewards
6X | 6.6 Per Dollar Spent
If selected as one of two 6x categories quarterly
US Bank Flex Perks »
Point System
US Bank »
Bank
$258
1st Year Value
25,000
Bonus Points
$2,000
Minimum Spend
1.1¢
Max Point Value
1.1¢
Max Point Value
Card Details
US Bank Cash Plus US Bank Cash Plus
5X | 5.0 Per Dollar Spent
If selected as one of two 5x categories quarterly.
Cash in Cents »
Point System
US Bank »
Bank
$191
1st Year Value
20,000
Bonus Points
$1,000
Minimum Spend
1.0¢
Max Point Value
1.0¢
Max Point Value
Card Details
Chase Ink Business Unlimited Chase Ink Business Unlimited
1.5X | 2.4 Per Dollar Spent
On all purchases.
Chase Ultimate Rewards »
Point System
JP Morgan Chase »
Bank
$1,441
1st Year Value
90,000
Bonus Points
$6,000
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value
Card Details
Explore More Spend Categories

Our Top Selections for Department Stores (+)

Multiplier Point Value Per $ Spent
US Bank Shopper Cash Rewards US Bank Shopper Cash Rewards

If selected as one of two 6x categories quarterly

 6x 1.1¢ 6.6¢
US Bank Cash Plus US Bank Cash Plus

If selected as one of two 5x categories quarterly.

 5x 1.0¢ 5.0¢
Chase Ink Business Unlimited Chase Ink Business Unlimited

On all purchases.

 1.5x 1.6¢ 2.4¢
US Bank Business Leverage US Bank Business Leverage

On two highest categories per statement.

 2x 1.1¢ 2.2¢

Other Cards with Solid Value for Department Stores (=)

Multiplier Point Value Per $ Spent
Discover It Cash Back Discover It Cash Back

Quarterly category, ends Dec 31st.At Amazon.com

 5x 1.0¢ 5.0¢
Discover It Miles Discover It Miles

1.5x back on statement plus 1.5x matching at the end of year one only

 3x 1.0¢ 3.0¢
Capital One Spark Cash Business Capital One Spark Cash Business

2% cash back on all purchases

 2x 1.3¢ 2.6¢
Capital One Spark Cash Plus Capital One Spark Cash Plus

2% cash back on all purchases

 2x 1.3¢ 2.6¢
Wells Fargo Active Cash Wells Fargo Active Cash

2% cash back on all purchases

2x 1.3¢ 2.6¢
Citi Double Cash Citi Double Cash

All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off

 2x 1.0¢ 2.0¢
Bank of America Travel Rewards Bank of America Travel Rewards 1.5x 1.0¢ 1.5¢

Cards Offering Some Value for Department Stores with Limitations (-)

Multiplier Point Value Per $ Spent
Chase Freedom Flex Chase Freedom Flex

Quarterly category, ends Dec 31st. Includes home furnishings, furniture, electronics, cosmetics, housewares, and major household appliances.

 5x 1.6¢ 8.0¢
Amazon Business Prime Amazon Business Prime

Earn on Amazon.com purchases with an eligible Prime membership

 5x 0.8¢ 4.0¢
Amazon Prime Amazon Prime

Earn on Amazon.com purchases with an eligible Prime membership

 5x 0.8¢ 4.0¢