Spend Categories

Department Stores

You want the most value back for your credit card spends. Since not all points are of equal value, below is a quick reference on dollar value back (not just multipliers) for Department Stores spends.

Details

Get rewarded for purchases made directly with stores with Department Store merchant codes, including: Bealls, Belk, Bloomingdale's, Bon Ton Stores, Boscov's, Century 21 Department Stores, Dillard's, J.C. Penney (JCP), Kohl's, Lord & Taylor, Macy's, Neiman Marcus, Nordstrom, Saks Fifth Avenue, Sears, Stein Mart. Note that some of these stores offer different rewards for for online vs. in-store purchases. The (+) version are the cards we recommend based on multiplier and signup bonus. The (-) versions include only listed stores.

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Our Top Selections for Department Stores (+)

	Multiplier	Point Value	Per $ Spent
US Bank CashPlus Visa If selected as one of two 5x categories quarterly.	5x	1.0¢	5.0¢
US Bank Leverage On two highest categories per statement.	2x	1.3¢	2.6¢
Chase Ink Business Unlimited On all purchases.	1.5x	1.6¢	2.4¢

Other Cards with Solid Value for Department Stores (=)

	Multiplier	Point Value	Per $ Spent
Chase Freedom Flex Quarterly category, June 30th . purchased on Amazon.Com.	5x	1.6¢	8.0¢
Discover It Miles 1.5x back on statement plus 1.5x matching at the end of year one only	3x	1.0¢	3.0¢
Chase Freedom Unlimited On all purchases.	1.5x	1.6¢	2.4¢
Capital One Spark Cash Plus Business 2% cash back on all purchases	2x	1.0¢	2.0¢
Citi Double Cash All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off	2x	1.0¢	2.0¢
Bank of America Travel Rewards	1.5x	1.0¢	1.5¢

Cards Offering Some Value for Department Stores with Limitations (-)

		Multiplier	Point Value	Per $ Spent
	Amazon Business Amex Earn on Amazon.com purchases with an eligible Prime membership	5x	0.7¢	3.5¢
	Amazon Prime Rewards Visa Earn on Amazon.com purchases with an eligible Prime membership	5x	0.7¢	3.5¢

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