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Pick up to 4 cards and compare fees, rewards and lounge access in one view.

Card
Macy's American Express Card ✕ remove
Costco Anywhere Visa Card by Citi ✕ remove
Target RedCard Credit Card ✕ remove
Old Navy Credit Card ✕ remove
Annual fee No annual feeNo annual feeNo annual feeNo annual fee
Rewards rate Up to 5% back in Star Money at Macy's (varies by loyalty tier), plus cash back on gas, dining/restaurants and supermarkets and 1% everywhere else4% on eligible gas (up to $7k/yr), 3% dining & travel, 2% at Costco, 1% other5% off at Target & Target.com, plus free 2-day shipping and extended returns5 points per $1 at Old Navy, Gap, Banana Republic and Athleta; the Visa version earns 1 point per $1 elsewhere
Rewards highlight Up to 5% back at Macy's4% on gas5% off at Target5 pts/$1 at Gap brands
Welcome bonus Extra savings on your first Macy's purchase as a new cardholderNoneDiscount for new cardholdersDiscount on your first purchase as a new cardholder
Intro APR NoneNoneNoneNone
Regular APR See terms20.49%–28.49% variableHigh store-card APR (see terms)See terms
Foreign fee NoneNoneN/ANone
Lounge access ❌ No❌ No❌ No❌ No
Credit needed Fair to Good (640+)Good to Excellent (700+)Fair to Good (640+)Fair to Good (640+)
Best for Regular Macy's shoppers who want some everyday rewardsCostco members with high gas spendingRegular Target shoppers who want instant checkout savingsFrequent Old Navy and Gap-family shoppers
Network AmexVisaMastercardVisa
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🇺🇸 Showing United States cards · change with the 🌐 selector top-right
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$95/yr
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Capital One Venture X Rewards
$395/yr · ✈ lounge
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Chase Sapphire Reserve
$550/yr · ✈ lounge
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Chase Freedom Unlimited
No annual fee/yr
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The Platinum Card from American Express
$695/yr · ✈ lounge
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Prime Visa (Amazon)
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Chase Freedom Flex
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American Express Gold Card
$325/yr
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Blue Cash Preferred Card from American Express
$95/yr
+
Capital One Venture Rewards
$95/yr
+
Citi Double Cash Card
No annual fee/yr
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Discover it Cash Back
No annual fee/yr
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Wells Fargo Active Cash Card
No annual fee/yr
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Ink Business Preferred Credit Card
$95/yr
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Ink Business Unlimited Credit Card
No annual fee/yr
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Discover it Secured Credit Card
No annual fee/yr
+
Citi Custom Cash Card
No annual fee/yr
+
Costco Anywhere Visa Card by Citi
No annual fee/yr
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Citi Strata Premier Card
$95/yr
+
Ink Business Cash Credit Card
No annual fee/yr
+
Capital One Savor Cash Rewards Credit Card
No annual fee/yr
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Discover it Student Cash Back
No annual fee/yr
+
The Business Platinum Card from American Express
$695/yr · ✈ lounge
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Capital One SavorOne Cash Rewards Credit Card
No annual fee/yr
+
Capital One Quicksilver Cash Rewards
No annual fee/yr
+
Bank of America Customized Cash Rewards
No annual fee/yr
+
Apple Card
No annual fee/yr
+
U.S. Bank Altitude Reserve Visa Infinite
$400/yr · ✈ lounge
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Blue Cash Everyday Card from American Express
No annual fee/yr
+
American Express Business Gold Card
$375/yr
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Bank of America Premium Rewards Credit Card
$95/yr
+
Wells Fargo Autograph Card
No annual fee/yr
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U.S. Bank Cash+ Visa Signature Card
No annual fee/yr
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U.S. Bank Altitude Go Visa Signature Card
No annual fee/yr
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Wells Fargo Autograph Journey Card
$95/yr
+
Capital One Platinum Secured
No annual fee/yr
+
Target RedCard Credit Card
No annual fee/yr
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Citi / AAdvantage Platinum Select World Elite Mastercard
$99/yr
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Bank of America Travel Rewards Credit Card
No annual fee/yr
+
U.S. Bank Smartly Visa Signature Card
No annual fee/yr
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Citi Rewards+ Card
No annual fee/yr
+
Wells Fargo Reflect Card
No annual fee/yr
+
JetBlue Plus Card
$99/yr
+
Sam's Club Mastercard
No annual fee/yr
+
OnePay (Walmart) Cash Back Card
No annual fee/yr
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AAdvantage Aviator Red World Elite Mastercard
$99/yr
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PayPal Cashback Mastercard
No annual fee/yr
+
REI Co-op Mastercard
No annual fee/yr
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Lowe's Advantage Card
No annual fee/yr
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My Best Buy Visa Card
No annual fee/yr
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Verizon Visa Card
No annual fee/yr
+
Macy's American Express Card
No annual fee/yr
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Gap Good Rewards Visa Credit Card
No annual fee/yr
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Nordstrom Credit Card
No annual fee/yr
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Synchrony HOME Credit Card
No annual fee/yr
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Kohl's Card
No annual fee/yr
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Old Navy Credit Card
No annual fee/yr
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New Fintech Rewards Card (Reported / Coming Soon)
No annual fee/yr
+
American Express Business Gold (2026 Refresh)
No annual fee/yr
+
U.S. Bank Cash+ (2026 Category Refresh)
No annual fee/yr
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