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What store cards give the most bang for the buck?

Established Contributor

What store cards give the most bang for the buck?

I know store cards probably aren't very popular around these parts.  I have a card from Express because I shop there all the time.  Any other store cards that folks recommend?

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
36 REPLIES
Regular Contributor

Re: What store cards give the most bang for the buck?

GECRB/Walmart - you get a free monthly TU FICO and GECRB is very generous and CLI friendly.


Starting: 563 | Current: 748 (TU 8/15) | Goal: 800 | Garden since: 08/10/2015

Established Member

Re: What store cards give the most bang for the buck?

I have GAP card that offers x3 points (been on for a few months until 01/31/2013) for purchases everywhere else. We do shop at OldNavy/BR alot so that's a whole lots of  points.

Valued Contributor

Re: What store cards give the most bang for the buck?

For me macys. I got 45% off coach handbag on blackfriday using my macys card. They give discount like that when using your macys card. I also got armani watch for 30% off. I like my macys card
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor

Re: What store cards give the most bang for the buck?


Captain4Ever wrote:

I have GAP card that offers x3 points (been on for a few months until 01/31/2013) for purchases everywhere else. We do shop at OldNavy/BR alot so that's a whole lots of  points.


I shop in Gap often.  I actually thought about applying for this card one day when I had a very nice and professional cashier.  I couldn't pull the trigger because I just had apped for a couple of cards.  This will be added to my list.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Valued Contributor

Re: What store cards give the most bang for the buck?

Kohl's for regular everyday items (jeans, socks, etc.). They give lots of coupons to cardholders which makes it a good card to have. 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
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Valued Contributor

Re: What store cards give the most bang for the buck?

Kohls for sure!

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Valued Contributor

Re: What store cards give the most bang for the buck?

i would reccomend kohls if you shop there alot. they have regular sales and kohls cash witch is great but dont expect a cli from them anytime soon. ive had the card coming up on a year with a 400 dollar limit. used in full and pif for the first 6 months and then sd. 

 

everytime since about june when i called for a cli they said they were upgrading their systems...

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Moderator

Re: What store cards give the most bang for the buck?

Whatever store you shop at! Smiley Happy.  If any only if their rewards and discounts are higher and/or better than what you receive on your national bank cards.

 

Beyond that, and because this is a FICO forum after all, I'd have to agree with the Walmart card with regards to the freebie TU '08 score.

 

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Frequent Contributor

Re: What store cards give the most bang for the buck?

It depends where you shop!  I have Macy's, JCP, and Kohls.  Kohls is my go-to, and I ususally use Macy's and JCP over the holidays.  Smiley Happy 

WOW! EQ when I joined myFICO: 657. Ups and downs and a few bumps and bruises, but finally back over 700. Whew!