Can I build credit with a shopping credit card?

Answered on December 14, 2020
Updated on December 14, 2020
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
Generally, you are able to build credit using a credit card if it reports to a major bureau. Some of the store cards report to credit bureaus, but it's better to check this before applying for a card. And sometimes the issuers report only to one bureau, which is not enough for you. If you are worried about your credit history, it's better to build it using a general credit card. If you have bad or limited credit, you may start with a secured credit card and once you improve your credit, you may get a general card and then proceed to a credit card with rewards. General cards give as many rewards as store cards and even more and they don't charge such high fees and APRs, so in a way they may be a better solution.
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BROWSE MORE QUESTIONS ABOUT Credit Card Rewards:

Valero has a tiered rebates system. You earn 4¢ per gallon on every gallon purchased when you purchase at least 50 gallons per billing cycle or earn 8¢ per gallon on every gallon purchased when you purchase at least 75 gallons per billing cycle (up to a maximum of 110 gallons). Gas rebates will automatically appear on your monthly billing statement. For more traditional and easy to understand reward options, see general rewards credit cards and especially cash back cards. Those give you simple cash back every time you purchase anything anywhere and rewards are also redeemable everywhere.
If you have an excellent credit there are a lot of credit cards that will bring you more benefits than JCPenney rewards credit card. If you want to save on shopping with a credit card at your favorite stores, you may choose a regular credit card with cash back rewards.
Consider frequent flyer credit cards to earn miles and enjoy air travel benefits. Study the features associated with these credit cards carefully. Hope you will find the credit card right for you.

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