Capital One Store-Branded Credit Cards: 7 Retail Credit Cards Listed

Capital One is one of the major credit card issuers, and it supports several retail credit cards that can make good sense for frequent shoppers. Keep in mind that many retail credit cards come with high interest rates — the fees can really add up if you don’t pay off your balance in full each month. These cards often have APRs of 20% or more, so you should always be aware of overcharging and not being able to make payments on time.

Retail credit cards are often easier to obtain than regular credit cards. This can benefit those with already low credit scores or those who want to establish a credit history. See our previous research for more specific information on the easiest store credit cards to get (and which to avoid).

Below we provide a list of the retail credit cards backed by Capital One.

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Comparison Table: Capital One Store-Branded Credit Cards

You can use the table below to compare the Capital One store-branded cards. Click the arrows at the top of each column to sort the table. For more information on each card, click the card name or scroll to our list below.

Store Card	Where Can It Be Used?	Card Perks	Credit Requirement	APR	Late Fee	Annual Fee	Zero-Interest Options	Instant Approval Available?
Cabela's CLUB Mastercard	Anywhere Mastercard is accepted	2% back in CLUB points at Cabela's and Bass Pro Shops, 1% back in points at other retailers, other rewards	Good	Around 10% for Cabela's and Bass Pro Shops purchases; around 15% to 25% for other purchases	Up to $38	None	Interest-free grace period of 25 days for new purchases when your balance is paid in full on time	Yes
Kohl's Charge Credit Card	Kohl's only	Extra 35% off your first-day purchases with the card, plus another 15% off when your card arrives; 12 special offers throughout the year, other rewards	Fair	Around 25%	Up to $37	None	Interest-free grace period of 25 days for new purchases when your balance is paid in full on time	No
Menards Big Card	Menards' partner network, including Menards, Speedway, Kwik Trip, Kwik Star and Holiday locations	2% rebate on purchases at Menards stores and website, 1% rebate on purchases at other places that accept the card, special financing options	Fair	Around 25%	Up to $40	None	Interest-free grace period of 25 days for new purchases when your balance is paid in full on time	Yes
Neiman Marcus InCircle Credit Card	Neiman Marcus stores and partners	Two InCircle rewards points for every $1 spent, $100 points card for every 10,000 points earned, other rewards	Fair	Around 25%	Up to $40	None	Interest-free grace period of 25 days for new purchases when your balance is paid in full on time	Yes
Bergdorf Goodman InCircle Credit Card	Bergdorf Goodman, Neiman Marcus, Horchow, LastCall.com	Two InCircle rewards points for every $1 spent, $100 points card for every 10,000 points earned, other rewards	Fair	Around 25%	Up to $40	None	Interest-free grace period of 25 days for new purchases when your balance is paid in full on time	Yes
Saks Fifth Avenue First Store Card	Saks Fifth Avenue and Saks Off 5th	SaksFirst points on every purchase, $25 gift card for every 2,500 points earned, other rewards	Fair	Around 24%	Up to $40	None	Interest-free grace period of 25 days for new purchases when your balance is paid in full on time	Yes
Walmart Rewards Card/Rewards Mastercard	Rewards card can be used at Walmart only; Mastercard can be used anywhere Mastercard is accepted.	5% back for Walmart.com and Walmart app purchases, 2% back for in-store Walmart purchases, 1% back on other purchases (Mastercard only)	Good	Between about 18% to 27% for the Mastercard; about 27% for the Rewards card	Up to $39	None	Interest-free grace period of 25 days for new purchases when your balance is paid in full on time	No

List of Capital One Store-Branded Credit Cards

Below we list the store credit cards backed by Capital One. The companies on this list may require a hard credit pull which can lower your credit score. This means your credit score will likely drop by around five points (temporarily). For information about store credit cards that you may be able to get approved for without a hard credit pull, check out our list of stores where you can use the shopping cart trick.

For the list below, we’ve included information about where each store credit card can be used, the credit level needed for approval, fee information, and promotional offers.

Bergdorf Goodman InCircle Credit Card

Where it can be used: Bergdorf Goodman, Neiman Marcus, Horchow, and LastCall.com
Card perks: Two InCircle rewards points for every $1 spent on the card, $100 points cards for every 10,000 rewards points earned, bonus point opportunities, invitations to special in-store events
Credit requirement: Fair
Standard APR: Around 25%
Late fee: Up to $40
Annual fee: None
Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
Instant approval available? Yes, a response is given within 60 seconds of applying online.
Find out more or apply

Cabela’s CLUB Mastercard

Where it can be used: Anywhere Mastercard is accepted
Card perks: Earn 2% back in CLUB points at Cabela’s and Bass Pro Shops, 1% back in points at places where Mastercard is accepted; additional $10 in CLUB points after five purchases within the first 30 days of account opening; access to other exclusive cardholder promotions.
Credit requirement: Good
Standard APR: Around 10% for Cabela’s and Bass Pro Shops purchases; around 15% to 25% for purchases elsewhere
Late fee: Up to $38
Annual fee: None
Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
Instant approval available? Yes, a response is usually provided within minutes of applying.
Find out more or apply

Kohl’s Charge Credit Card

Where it can be used: Kohl’s only
Card perks: Extra 35% off your first day’s purchases and another 15% when your card arrives, 12 special offers throughout the year, combined discounts with Kohl’s Cash and Yes2You Rewards on purchases with your card, Most Valued Customer (MVC) status with 18 discounts a year after spending $600
Credit requirement: Fair
Standard APR: Around 25%
Late fee: Up to $37
Annual fee: None
Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
Instant approval available? No, the application is sent to Capital One for credit approval.
Find out more or apply

Menards Big Card

Where it can be used: Menards’ partner network, including Menards stores, Speedway, Kwik Trip, Kwik Star, and Holiday locations
Card perks: 2% rebate on purchases at Menards stores and website, 1% rebate and additional savings on purchases and products from other retailers, six-month financing on purchases over $299, 48-month financing on purchases over $1,500
Credit requirement: Fair
Standard APR: Around 25%
Late fee: Up to $40
Annual fee: None
Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
Instant approval available? Yes, a response is given within 60 seconds of applying online
Find out more or apply

Neiman Marcus InCircle Credit Card

Where it can be used: Neiman Marcus stores and its partners
Card perks: Two InCircle rewards points for every $1 spent on the card, $100 points cards for every 10,000 rewards points earned, bonus point opportunities, invitations to special in-store events
Credit requirement: Fair
Standard APR: Around 25%
Late fee: Up to $40
Annual fee: None
Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
Instant approval available? Yes, a response is given within 60 seconds of applying online
Find out more or apply

Saks Fifth Avenue First Store Card

Where it can be used: Saks Fifth Avenue and Saks Off 5th
Card perks: Membership in Saks First rewards program, SaksFirst points on every purchase, $25 gift card for every 2,500 rewards points earned, exclusive previews of collections, private sales and access to other store events
Credit requirement: Fair
Standard APR: Around 24%
Late fee: Up to $40
Annual fee: None
Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
Instant approval available? Yes, a response is given within 60 seconds of applying online
Find out more or apply

Walmart

Where it can be used: Walmart offers two card options –The Walmart Rewards card, exclusively for Walmart purchases, and the Walmart Rewards Mastercard, which can be used anywhere.
Card perks: Both cards offer 5% back on Walmart.com and Walmart app purchases, 2% back on purchases made at Walmart stores and 1% back on purchases at Sam’s Club; the Mastercard also offers 1% back on purchases at other stores.
Credit requirement: Good to excellent for the Mastercard; Capital One will automatically consider you for the Rewards card if you aren’t approved for the Mastercard.
Standard APR: Between about 18% and 27% for the Mastercard; about 27% for the Rewards card
Late fee: Up to $39 for either card
Annual fee: None for either card
Zero-interest options: Interest-free grace period of 25 days for new purchases when your balance is paid in full by the payment due date
Instant approval available? No, the application is sent to Capital One for credit approval.
Find out more