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.
|
Cash in Cents »
Point System
|
|
US Bank »
Bank
|
|
$211 1st Year Value
|
|
20,000 Bonus Points
|
|
$1,000 Minimum Spend
|
|
1.0¢ Max Point Value
|
|
Chase Ultimate Rewards »
Point System
|
|
JP Morgan Chase »
Bank
|
|
$1,340 1st Year Value
|
|
75,000 Bonus Points
|
|
$7,500 Minimum Spend
|
|
1.6¢ Max Point Value
|
2X | 2.2Per Dollar Spent
On two highest categories per statement.
|
US Bank Flex Perks »
Point System
|
|
US Bank »
Bank
|
|
$908 1st Year Value
|
|
75,000 Bonus Points
|
|
$7,500 Minimum Spend
|
|
1.1¢ Max Point Value
|
Our Top Selections for Department Stores (+)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
 |
US Bank Cash Plus If selected as one of two 5x categories quarterly. |
5x | 1.0¢ | 5.0¢ |
 |
Chase Ink Business Unlimited On all purchases. |
1.5x | 1.6¢ | 2.4¢ |
 |
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 Quarterly category, ends March 31 Home Depot, Lowe’s and the like |
5x | 1.0¢ | 5.0¢ |
 |
Discover It Miles 1.5x back on statement plus 1.5x matching at the end of year one only |
3x | 1.0¢ | 3.0¢ |
 |
Wells Fargo Active Cash 2% cash back on all purchases |
2x | 1.4¢ | 2.8¢ |
 |
Capital One Spark Cash 2% cash back on all purchases |
2x | 1.1¢ | 2.2¢ |
 |
Capital One Spark Cash Plus 2% cash back on all purchases |
2x | 1.1¢ | 2.2¢ |
 |
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 | 1.5x | 1.0¢ | 1.5¢ |
Cards Offering Some Value for Department Stores with Limitations (-)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
 |
Amazon Business Prime Earn on Amazon.com purchases with an eligible Prime membership |
5x | 0.7¢ | 3.5¢ |
 |
Amazon Prime Earn on Amazon.com purchases with an eligible Prime membership |
5x | 0.7¢ | 3.5¢ |