Best Co-branded Credit Cards 2018

A co-branded credit card is sponsored by two parties. Typically one is a retailer -- such as a department store, gas retailer or airline. The other is a bank or card network such as Visa, MasterCard, Discover or American Express. With co-branded credit cards, cardholders may get merchandise discounts or rewards points when they buy from the sponsoring merchant, but can also use the cards any other retailer that takes cards from the bank or card network.

  • Costco Anywhere Visa® Card by Citi

    • Exclusively for Costco Members: Go Big with Cash Back Rewards
    • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
    • 3% cash back on restaurants and eligible travel purchases
    • 2% cash back on all other purchases from Costco and
    • 1% cash back on all other purchases
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  • Kohl's Credit Card

    • Save 35% on your first purchase using your new Kohl’s Credit Card.
    • Get another 15% discount when you card arrives in the mail. To be used on separate future order.
    • This card entitles you to at least 12 special offers.
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  • Walmart® Store Card

    • Save $25 when you open a Walmart® Store Card and spend $25 on your first purchase the same day.
    • Save 3% on purchases including Grocery Pickup, 2% on Murphy USA and Walmart gas and 1% at Walmart.
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  • Best Buy® Store Card

    • Get 5 points per $1 spent (10% back in rewards) on your first day of purchases made on the credit card within 14 days of account opening.
    • Limited Time: Get 7.5 points per $1 spent (15% back in rewards) on select Samsung 4K UHD Smart TVs (Valid through 12/24/18) and on select Doorbusters items (Valid through 12/20/2018).
    • Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit.
    • Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
    • Enjoy exclusive discounts and events and free shipping on purchases $35 and up.
    • Earn 3 points (6% back in rewards) by spending at least $3500 in purchases in a calendar year.
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  • Macy's Store Card

    • Save 20% when you open and use your card. A total savings of up to $100 on your purchases over first 2 days.
    • All members get 25% off any day of choice with Star Passes. Savings events and more.
    • Gold (Annual Spend more $500 or more) & Platinum members (Annual spending $1200 or more) get free standard shipping on Macy's purchases and a Birthday Offer.
    • Platinum members get 5% back (5 points/$1) in rewards with no exclusions on Macy's merchandise.
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  • Sears Store Card

    • Deferred Interest Details: No interest if paid in full within 6 months on automotive and tire items over $199. No interest if paid in full within 12 months on automotive and tire items over $100 made online only, and over $399 made at participating stores.
    • Deferred Interest Details: No interest if paid in full within 12 months on Fitness Equipment, Lawn and Garden items, Tools, Outdoor Living items, Sporting Goods, Fine Jewelry purchases over $299. No interest if paid in full within 12 or 18 months on select home appliance items over $499 or $999, respectively.
    • Deferred Interest Details: No interest if paid in full within 12 or 18 months on select furniture purchases over $299 or $599, respectively. No interest if paid in full within 12 months on select Mattresses/Foundations purchases over $599.
    • Get up to 10% off or special financing on select purchases.
    • Monthly deals and special offers in-store or online at, plus cardmember events, coupons and the opportunity to earn additional Shop Your Way® points when you enroll and use your Sears Card®
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  • Store Card

    • A $10 Gift Card will be instantly loaded into your account upon the approval of your credit card application.
    • Store Cardholders who join Prime are automatically upgraded to the Amazon Prime Store Card.
    • Amazon Prime Store Cardholders can earn 5% back on purchases.
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Transaction Fees

Annual Fee: Not all credit cards have an annual fee. You can expect an annual fee on most secured credit cards, some premium credit cards, charge cards, and subprime credit cards.

The amount of the annual fee varies. It can be as low as $0 or as high as $500, depending on the credit card.

Regular Purchase APR: This is the amount of interest that the issuer will add to the balance on revolving debt, known as the annual percentage rate. Please be aware that they can fluctuate; they can shift from as low as 10% to as high as 35% based on your creditworthiness. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions.

Intro Purchase APR: There are several low-interest credit cards offering 0% intro purchase APR. A 0% intro APR offer means that you won’t have to pay interest on your purchases for a specific time period. Depending on the credit card offer, the 0% intro APR can last anywhere from six months to over a year, then the regular purchase APR applies. 

Balance Transfer Fee: A balance transfer is when you pay off the balances on existing credit cards or loans by transferring them to another credit card account. You usually will pay a fee of 3% to 5% of the amount you plan to transfer. For example, if your balance is $5,000, a 3% fee would cost you $150.

Regular Balance Transfer APR: The best balance transfer rates could be offered by credit card companies to new cardmembers, and usually are 0% or low APR offers for an introductory time period. After that -- often six months to a year or occasionally more, the interest rate will increase to its regular rate(often 10%-30%).

Cash Advance Fee: For cash advances, most companies charge a flat fee($5-$15) or percentage of the transaction(3%-5%) – whichever is greater. For example, a typical cash advance fee is the greater of $10 or 5%. So, if you take out a cash advance of $100 under these terms, your cash advance fee would be $10 since 5% of $100 is only $5. On the other hand, if you take out a cash advance of $500, your cash advance fee would be $25.

Credit Terms

TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.

Advertiser Disclosure

When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on are from organizations, which will receive remuneration.

About our Ratings

Our reimbursement sometimes impacts the surveys, but it is only the order that the classifications appear in, and nothing else. They will appear on our featured pages, but you can still opt to use the best option for you, and we strive to provide this regardless of the compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.

General Disclaimer

We advise you to review your credit card application for specific references of the terms and conditions. We will always endeavor to provide the most relevant and up-to-date information. However, please be aware that all credit card offered displayed are not guaranteed. If you wish to confirm the full terms & conditions, please click on the "Apply Now" link. If you select the link, it will open a secure page provided by the card issuer(s) which will explain your credit card offer in more detail.

Our Editors

Here at TheCreditWiki, we have a team of editors who supply unbiased ratings of various credit card offers. The components used to rate the offers accordingly are; offer purchasers, expenses, financing costs & which credit card the application is related too. Please be aware that all of the evaluations are completed using a master supposition from our editors. Our editors are not affected by any compensation that our receives from the credit card issuer.



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