Citi offers a number of store credit cards to different retailers, I’m posting about these cards for two main reasons:
- Citi’s new application rules make it difficult to get the sign up bonus on their more popular co-branded cards.
- Citi frequently offer lucrative spending bonuses on these cards
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.
List Of Citi Store Cards
- Best Buy Card (store & Visa)
- Big O Tires (store card)
- Bloomingdale’s (store & American Express)
- Brand Source (store card only)
- Brooks Brothers (store & Mastercard)
- ExxonMobil (store card, both personal & business)
- Good Year (store card)
- Home Depot (store card, Mastercard, business store card & commercial card, also lets you check to see if you’re pre-approved)
- Macy’s (store card & American Express)
- Merchants Tire (store card only)
- NTB Tire (store card only)
- Office Depot (store card, one personal and two business cards)
- Quick Lane (store card only)
- Jewelers Reserve (store card only)
- Ross-Simons (store card only)
- Sears Card (store & Mastercard)
- Shell (store & Mastercard)
- Staples (Personal, Business & Commercial store card)
- Tire Kingdom
- Tractor Supply Company (store card, personal & business)
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.
- Citi Sears. This is the best example of these targeted spending bonuses, you can click here to see a brief history of what people have been offered. This is one of the reasons we’ve listed it as a card to consider. The card will also soon have 5%/3%/2%/1% categories.
- Citi Best Buy. This is similar to the Sears card in that it frequently offers targeted spending bonuses. In addition it also offers 5% (6% for elite members) on all Best Buy purchases (excluding gift card purchases).
- Citi Brooks Brothers. PFdigest has reported receiving 10x points offers on this card.
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.
