18 cards ranked
Best credit card to use at Five Below.
Department Store
Five Below is a discount retailer with more than 1,700 stores across the U.S., built around items priced at $5 or less, plus a Five Beyond section with goods up to $25. The merchandise mix skews toward tweens and teens (candy, tech accessories, beauty, hobby, seasonal). Stores typically code as a discount or department store for credit card networks, so a department-store category bonus card can earn its multiplier here. Five Below does not issue its own credit card, so a general 2-5% category card is the cleanest play.
- #1US Bank Cash+ Visa Signatureif you select itU.S. Bank5% on department stores if you select it as a bonus category (up to $2,000/quarter, then 1%)Choose 2 categories each quarter, up to $2,000 combined5%
- #23%
- #32%
- #42%
- #52%
- #6First Electronic Bank2% flat-rate cashbackTiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.2%
- #7Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #8American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #92%
- #102%
- #11Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #12PenFed Credit Union2% flat-rate cashback2% with PenFed Honors Advantage (current or former military, or a PenFed Access America checking account); 1.5% otherwise2%
- #132%
- #142%
- #15TD Bank2% flat-rate cashbackEarns 2 points per dollar; 1 point is worth 1 cent, with a 2,500 point minimum to redeem as a statement credit or a deposit to a TD checking or savings account2%
- #162%
- #172%
- #182%
Last updated August 10, 2026