Posted by William Charles on December 12, 2016
Credit Cards

Published on December 12th, 2016 | by William Charles

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Citi Store Credit Cards – List Of Cards, Best Cards Available & Easiest Cards To Get

Citi offers a number of store credit cards to different retailers, I’m posting about these cards for two main reasons:

They usually offer two variations of each card, a classic store card that can only be used at that specific store and also Visa/Mastercard/American Express that can be used wherever those payment networks are accepted. Sometimes they will only offer a store card.

Keep in mind that the standard Citi rules apply, if you want more information I’d recommend reading this post.

Contents

List Of Citi Store Cards

Best Cards

The most interesting cards are the ones that offer a true credit card (rather than the store card only), as these often come with targeted spending bonuses that can be used every where the payment network is accepted.

Easiest Cards To Get

All of these cards should be pretty similar in terms of how easy they are to get. In general the true credit cards (e.g ones that are Visa/Mastercard/American Express) will be more difficult to get than those that are plain store cards. If you have bad credit and just want an easy card to get approved for, you’re better off getting a Comenity Bank card using the shopping cart trick.

Our Verdict

From my point of view the Best Buy & Sears cards are really the only ones worth considering, please let us know if we missed any other cards in the comments below. Synchrony & Comenity are the two other card issuers that issue a lot of store cards.



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Ben
Ben

So you don’t think the Bloomingdale’s Amex is worth it for the Amex offer ability? Is that b/c of Chase’s 5/24? I was thinking about it, but I’m not sure it’s worth it b/c it can only get the Amex twitter-available offers which is less valuable than having access to all Amex offers.

Gnarly Cow
Gnarly Cow

Macy’s also has an AMEX card.

Point
Point

Nothing to see here…..

Abey
Abey

Nice post. Ty

Abey
Abey

How about one long long list
Of every card from every bank? 😊

Vic
Vic

Will,

Do you know whether the “true credit card” ones count against 5/24?

A friend on mine is either 5/24 or 4/24 depending on how the Citi Sears Mastercard is considered.
She has already applied for CSR in branch and got pending, and of course lending dept. keeps telling her that the Citi Sears counts toward bank card.

Do you have other DP regarding this?
Do you think it possible to persuade the lender that it’s actually store card?
Thanks!

Chuck

A true store card is YMMV. You should be able to convince them not to count it.

Angel
Angel

Citi Bank also have the Costco Citi Anywere Visa and Costco Citi Anywere Visa Business in a replacement of the Costco AMEX by Capital One (descontinued).

Here’s the link:

https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-credit-card

https://www.citi.com/credit-cards/compare-credit-cards/citi.action?ID=visa-credit-cards

Georgi
Georgi

The shell cards are also business too and was easier to get the tractor co application needs to b mailed or faxed

Donald R Garretson
Donald R Garretson

Citibank just tanked my credit score by lowering my available credit on my Sears store card and Home Depot store card. I had made large purchases and paid them in full on both cards. I had 0 balance on my Sears card for 4 months when they decreased my limit $3,500.00 and around $200.00 on my HD card when they decreased my limit $2,500.00 citing my “low” credit score.
From whay I can tell, this is a common practice of Citibank.
I highly recommend staying away from any Citibank retail card if you are trying to build up your credit. They may start you out good, but if they don’t make quick money (very high interest rate, almost the highest available) off you, they will hurt your building credit score later on.
The other two banks mention are much safer bets, and they judge you more by your ability to pay them how much they make of you.

Steve
Steve

They took my cards away after doing an arbitrary review of my credit report solely due to excessive inquiries.

Megan
Megan

Hi, I just learned something / have a DP about product changes with Citi store cards and credit line increases and wanted to share – I have a Best Buy store card and asked if it was possible to upgrade from that to a regular CC or another store card, and this was the response by the CSR (via chat)

Re: upgrading/switching product
“Unfortunately, we are not able to change your card type. As the application is a three in one process, you apply for one of the three Best Buy credit cards and are approved for one of these credit cards based on your credit worthiness.”

Re: credit line increase request
whether a hard or soft pull is used is determined “systematically” so there’s no knowing which one it will be. It sounded from here like they can’t give us a heads up on the type of pull that’ll be used (which is different from what’s stated in #7 here https://www.doctorofcredit.com/12-things-everybody-should-know-about-citi-credit-cards/)

Steve
Steve

Citibank just closed three of my accounts, Brand Source, Brooks Brothers, and Shell because they did an arbitrary review of my credit report and discovered I had excessive inquiries. So, despite on-time payments with one of those accounts getting paid at four times the minimum and another getting paid off every month, they closed all of my accounts solely (and I’m being honest here) because of inquiries. This is the stupidest thing I’ve ever heard.

I’ve been applying for many of these cards left and right (mostly with Comenity)and getting approved. Now, this sets me back by increasing my debt ratio ($3700 less credit and I still have the balances with two of the cards with one of those being a major no-interest promotional purchase).

I’m not sure why Citibank thinks pulling a stunt like this and p!ssing off a customer continues to give me an incentive to make payments. I already threatened I’d stop making payments if they didn’t reopen the accounts, and it didn’t work. Now, I have a call into my attorney to see if there is any legal recourse against them.

Steve
Steve

The attorney said I have no recourse. Citibank sucks. Will never do business with them again.

Meanwhile, I applied for more accounts through Comenity and Synchrony Banks and made up the difference.

Steve
Steve

Now, they just closed my secured MasterCard that has never been used and only open for about a month. They also had the audacity to take about six weeks (what they told me) to return my $200 deposit.

ELITANIA TAPIA
ELITANIA TAPIA

What about the Costco card?

Rose Littman
Rose Littman

Citibank issues Costco Credit Card and Ford Service Credit Card.

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