Do doubt one of the big attractions of using a credit card in place of cash is the rewards you can get on what you spend. Merchandise credit cards, or retail credit cards as they are also known, have programs where card holders can earn points for every dollar they spend, which can then be used for free merchandise, as well as exclusive savings on retail purchases. Now that’s making the most of your money.

With a merchandise credit card card members can enjoy savings at their favorite stores and places where they spend the most. And you don’t even have to spend to get the benefits.

Retail credit cards designed for your preferred business give you savings like 3% off gas and 10% off services that begin the moment you get your card. You can also earn multiple points per dollar spent at choice retailers and on certain purchases.

Points can be used for merchandise, gas, cash back, VIP events, travel and more depending on the card you choose. Many retail credit cards feature additional savings in the form of no annual fees, 0% introductory interest rate offers for both purchases and balance transfers, flexible payment options and more.

From fraud protection programs and $0 fraud liability to 24 hour customer service to perks like concierge services, merchandise credit cards have all your needs cover.

Below are some of the merchandise credit cards offered by top retailers for you to compare.

True Earnings Card from Costco and American Express

ESPN Total Access Visa Card

AT&T Universal Savings Platinum Card