Get instant approval for our store card and start shopping at thousands of
partner locations with exclusive benefits and 0% APR.*
Join over 2.5 million satisfied cardholders shopping at partner stores
Choose the perfect card for your shopping needs
| Features | Personal Card | Business Card |
|---|---|---|
| 0% APR Period | 18 months | 18 months |
| Credit Limit | Up to $10,000 | Up to $50,000 |
| Annual Fee | $0 | $0 |
| Partner Store Savings | Up to 15% | Up to 15% |
| Employee Cards | - | ✓ Unlimited |
| Expense Tracking | Basic | Advanced |
| QuickBooks Integration | - | ✓ |
Apply in as little as a minute and get instant approval for shopping at partner stores — all without impacting your credit score during the application process.
No annual fees, no late fees, no over-limit fees. Just pure shopping power at your favorite partner stores without hidden costs.
Get exclusive discounts, early access to sales, and special member pricing at thousands of partner locations. Save more every time you shop.
24/7 fraud monitoring, purchase protection, and zero liability on unauthorized charges. Shop with confidence at all partner stores.
Track your spending by store, get alerts for sales at your favorite partners, and receive personalized shopping recommendations.
Choose your payment amount and schedule. Our app shows you exactly how much you'll save with 0% APR during your promotional period.
Your shopping data and purchase history are never sold to third parties for marketing or advertising.
Your Optimum Store Card works exclusively at our partner locations nationwide
Plus thousands more partners including:
Get instant discounts and exclusive member pricing at partner stores. Real savings on every purchase, not complicated point systems.
Extra savings at major retailers like Target, Walmart, and Best Buy when you use your Optimum Store Card.*
Member discounts at fashion and lifestyle brands including Nike, Macy's, and Nordstrom.*
Everyday rewards at pharmacies, gas stations, and quick service restaurants.
Interest for 18 months on all purchases at any partner store location.
Whether you're shopping for personal needs or business expenses, we have the perfect store card for you.
Both cards work exclusively at Optimum partner store locations nationwide.
Cannot be used for cash advances or at non-partner merchants.
Real experiences from satisfied Optimum Store Card members
"The 0% APR saved me over $800 on my furniture purchase at Home Depot. The instant approval was amazing!"
"Perfect for our office supplies and equipment. The business reporting features help with our accounting."
"Love the exclusive discounts at Target and Walmart. I save money on every grocery trip!"
Apply online and start shopping at partner stores today
Complete our secure application in under 2 minutes. No impact to your credit score to check if you qualify.
Receive your approval decision instantly. Most applications are approved within seconds.
Use your digital card immediately or wait for your physical card to arrive in 7-10 business days.
24/7 monitoring with instant alerts for suspicious activity
You're not responsible for unauthorized charges
Store locator, spending tracking, payment scheduling, and exclusive mobile offers
Add to Apple Pay, Google Pay, and Samsung Pay
Perks you won't find anywhere else
Get 24-48 hours early access to major sales events at partner stores
Dedicated phone line with average wait time under 30 seconds
Special 20% bonus savings during your birthday month
Everything you need to know about the Optimum Store Card
Your Optimum Store Card can only be used at participating partner store locations. This includes over 15,000 locations nationwide including Target, Walmart, Best Buy, Home Depot, Macy's, and thousands more.
You'll get 0% APR for 18 months on all purchases made at partner stores. After the promotional period, the variable APR will be 16.99% - 26.99% based on your creditworthiness.
Both cards offer 0% APR and work at the same partner stores. The Business card offers higher credit limits (up to $50,000), employee card management, business expense tracking, and QuickBooks integration.
No! The Optimum Store Card has no annual fees, no late fees, no over-limit fees, and no hidden charges. We believe in transparent, fee-free shopping.
Apply online in under 2 minutes. Most applications receive an instant decision. You'll need to provide basic information like your name, address, income, and Social Security number.
Join 2.5 million cardholders enjoying 0% APR and exclusive savings at partner stores