How to Buy Store Credit

Your Guide to buying the best store credit


This store credit buying guide provides readers with the information needed to make an informed decision when purchasing store credit. We will discuss the various types of store credit, how to select the right store credit option for you, the advantages and disadvantages of store credit, and a few tips to ensure that you get the most out of your store credit purchase. We’ll also explain how store credit can be a great way to save money and help build a good credit score. With this guide, you’ll be able to make an educated decision and get the most out of your store credit purchase.

Key features

  1. Store Policies: It is important to be aware of any store policies regarding store credit, such as if and when the store credit can expire.
  2. Acceptance: Research the store credit you are considering to ensure it will be accepted at the retailer you plan to use it at.
  3. Limitations: Check if there are any limitations, such as a maximum or minimum amount available, or restrictions on which items can be purchased with the store credit.
  4. Rewards: Find out if there are any rewards or discounts associated with using the store credit, such as additional points or discounts for using the store credit.
  5. Redeemability: Check if the store credit is redeemable online, in-store, or both.
  6. Fees: Be aware of any fees associated with the store credit, such as processing fees or annual fees.

See the most popular store credit on Amazon

Important considerations


  • Convenient - Store credit is a convenient way to purchase items without having to carry around cash or a debit or credit card.
  • Secure - Store credit is a secure way to purchase goods and services because the customer does not have to share any sensitive information such as their credit card number.
  • Flexible - Store credit is flexible in that it can be used in a variety of situations, such as online purchases, in-store purchases, and more.
  • Discounts - Store credit often offers discounts or other incentives that can make purchases more affordable.
  • Reward Opportunities - Store credit often offers reward programs or loyalty programs that can benefit the customer in the long run.


  • Cost - Store credit cards typically come with a higher interest rate than regular credit cards, potentially making them more expensive in the long run.
  • Limited Use - Store credit cards can often only be used at the store they are issued from, limiting flexibility and potentially making it difficult to maximize rewards.
  • Fees and Penalties - Many store credit cards come with fees for late payments, as well as penalty rates for those who carry a balance.
  • Potential Impact on Credit Score - Applying for a store credit card can temporarily lower your credit score, as a new account will affect your credit utilization ratio.

Best alternatives

  1. Gift Cards - A physical or digital card preloaded with a certain amount of money that can be used at the store it is issued from.
  2. Layaway - A payment plan that allows customers to make payments over time before receiving their item.
  3. Debit Card - A card linked to a bank account that can be used to make payments at the store.
  4. Credit Card - A card linked to a credit account that can be used to make payments at the store.
  5. Cash - The traditional form of payment that involves exchanging physical currency for goods or services.

Related tools, supplies, and accessories

  • Gift Cards - A physical or digital card that can be purchased by a customer and used as Store Credit.
  • Payment Apps - Mobile payment applications that allow customers to pay for items using store credit.
  • Rewards Programs - Programs that allow customers to earn store credit for making purchases or engaging with the brand.
  • Online Shopping Platforms - Online shopping sites that allow customers to purchase items using store credit.
  • Online Credit Services - Services that allow customers to transfer store credit from one account to another.
  • Coupon Codes - Discounts that provide customers with store credit when they make a purchase.
  • Cash Back Programs - Programs that reward customers with store credit when they make a purchase.

Common questions

  1. What is store credit? Store credit is a type of virtual currency that can be used at a retailer's online store or physical location. It is typically issued in the form of a coupon code or gift card, which shoppers can use on their next purchase.
  2. How do I get store credit? Store credit can be obtained through various methods, including signing up for a loyalty or rewards program, referring a friend, or taking advantage of promotional offers.
  3. Are there any restrictions on store credit? Yes, store credit typically comes with certain restrictions such as expiration dates, usage limits, or minimum purchase requirements.
  4. How do I redeem store credit? Store credit can usually be redeemed at checkout by entering the coupon code or gift card number.
  5. Is store credit transferable? It depends on the store. Some stores allow store credit to be transferred to another person, while others do not.
  6. Do I earn rewards when using store credit? Yes, many stores offer rewards when shoppers use store credit towards purchases.


A recent study revealed that shoppers who use store credit tend to be more satisfied with their purchases than shoppers who pay with cash. This could be due to the fact that shoppers using store credit might be more willing to take risks on purchases, since they are not using their own money. This could lead to customers finding “hidden gems” that they wouldn’t otherwise have been able to purchase. Source:

Disclaimer: This buying guide was not created by humans, and it is possible that some of it's content is inaccurate or incomplete. We do not guarantee or take any liability for the accuracy of this buying guide. Additionally, the images on this page were generated by AI and may not accurately represent the product that is being discussed. We have tried to convey useful information, but it is our subjective opinion and should not be taken as complete or factual.