12 cards ranked
Best credit card to use at Forever 21.
Department StoreOnline Shopping
Forever 21 is a fast fashion chain operated under Sparc Group with about 380 U.S. stores plus forever21.com after returning from bankruptcy in 2020. Pricing skews very low so category bonuses matter less in absolute dollars, but most cards still code in person purchases as department store and web orders as online shopping. There is no current Forever 21 branded credit card, so the free F21 Rewards program is the only stacking option beyond credit card rewards.
Picks without a tag earn at Forever 21 both in-store and online. Watch for theOnline onlytag — those bonuses only apply on forever21.com.
- #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%
- #2Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #3Hilton Honors American Express SurpassOnline onlyAmerican Express4x points on online shoppingU.S. online retail purchases2.0%4x points
- #43%
- #52%
- #62%
- #7First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #8Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #9American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #102%
- #112%
- #122%
Last updated May 17, 2026