10 Best Store Credit Cards for Christmas Shopping

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Home Depot Credit Card

Home Depot offers a credit card that comes with simpler benefits and APR rates. The best perks are as follows:

• 6 months of 0% financing on any purchases of $299 or more
• 12 months of 0% financing for appliance purchases of more than $299
• 0% interest on blinds, shades and shutter installations for 18-24 months
• 0% interest on roofing, siding, gutter, and attic insulation installations for up to 24 months

However, these offers tend to change every few weeks, so make sure you find out the latest offers if you want to sign up for this card.

The APR rate for the Home Depot Credit Card ranges from 17.99% to 26.99% depending on your credit rate and late payments will cost you up to $35.

Macy’s Credit Card & Macy’s American Express

Up next, are two credit cards on offer from Macy’s: the Macy’s Credit Card and the Macy’s American Express. You can sign up for the first offering online, but for the Macy’s AmEx you must complete an application inside the store.

The Macy’s cards have three main benefits:

• 20% savings on purchases made the day you are accepted and the day after, up to $100
• Intermittent 25% coupons you can use whenever you shop
• 5% back on Macy’s purchases

Both cards have an extremely high APR rate of 26.24% and charge fees of up to $37 on later payments.

Lowe’s Advantage Card

In comparison to Home Depot, Lowe’s credit card offers consumers a wider range of benefits than its competitor. These include:

• $30 off your first purchase

Then, you’ll get the choice of one of these benefits.

• 5% off every purchase for the duration of your account
• 6 months of 0% interest on a purchase of $299 or above
• Long-term, low-interest financing for purchases of $2,000 or more: 36 months at 3.99%, 60 months at 5.99%, 84 months at 7.99%

The APR on the Lowe’s Credit Card is very high at 26.99%, with late fees ranging from $25 to $37 depending on your balance.

The Sears Mastercard

At Sears, customers have the choice of two cards: The Sears card and the Sears Mastercard. The two cards have slightly different perks, but both offer the same APR rate and late fees. The Sears cards can also be used at Kmart. The perks of the Sears Mastercard include:

• 10% off your first purchase
• 5% rewards at gas stations
• 3% rewards at grocery stores and restaurants
• 2% rewards at Sears and Kmart
• 1% on everything else

The Sears Mastercard also has an attractive bonus: if you spend $1,500 in the first 90 days of owning the card you’ll receive $150 in statement credit. Sears also has a Shop Your Way program where you can earn points and redeem them for dollars to spend at Sears and Kmart through the Shop Your Way website. For both cards, the APR will be 26.24% and late fees will cost up to $37.

Kohl’s Credit Card

The last card to make this list has a pretty great benefits plans. It includes:

• 30% off your first purchase the day you are approved for your Kohl’s card
• 15% off when your card arrives in the mail
• 12 special offers sent to you throughout the year
• Upgrade to 18 special offers a year if you spend $600 within a year

These are some great savings if you frequently shop at Kohls. However, the APR for Kohl’s Credit Card is the highest on this list at 27.99% and late fees will cost between $15 to $37 depending on your balance.