Best Credit Card for Department Stores
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.
5X | 5.0Per Dollar Spent
If selected as one of two 5x categories quarterly.
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Cash in Cents »
Point System
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US Bank »
Bank
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$211 1st Year Value
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20,000 Bonus Points
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$1,000 Minimum Spend
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1.0¢ Max Point Value
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Chase Ultimate Rewards »
Point System
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JP Morgan Chase »
Bank
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$1,340 1st Year Value
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75,000 Bonus Points
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$7,500 Minimum Spend
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1.6¢ Max Point Value
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US Bank Flex Perks »
Point System
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US Bank »
Bank
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$990 1st Year Value
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75,000 Bonus Points
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$7,500 Minimum Spend
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1.2¢ Max Point Value
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Our Top Selections for Department Stores (+)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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US Bank CashPlus Visa If selected as one of two 5x categories quarterly. |
5x | 1.0¢ | 5.0¢ |
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Chase Ink Business Unlimited On all purchases. |
1.5x | 1.6¢ | 2.4¢ |
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US Bank Leverage On two highest categories per statement. |
2x | 1.2¢ | 2.4¢ |
Other Cards with Solid Value for Department Stores (=)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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Discover It Cash Back Quarterly category, ends Dec 31st.Purchased on Target & Amazon.com |
5x | 1.0¢ | 5.0¢ |
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Discover It Miles 1.5x back on statement plus 1.5x matching at the end of year one only |
3x | 1.0¢ | 3.0¢ |
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Wells Fargo Active Cash 2% cash back on all purchases |
2x | 1.5¢ | 3.0¢ |
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Capital One Spark Cash Plus Business 2% cash back on all purchases |
2x | 1.1¢ | 2.2¢ |
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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¢ |
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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 | ||
|---|---|---|---|---|
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Amazon Business Amex Earn on Amazon.com purchases with an eligible Prime membership |
5x | 0.7¢ | 3.5¢ |
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Amazon Prime Rewards Visa Earn on Amazon.com purchases with an eligible Prime membership |
5x | 0.7¢ | 3.5¢ |