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Established Contributor
FutureBillionaire
Posts: 647
Registered: ‎12-12-2012
0

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
Regular Contributor
CotySinz
Posts: 237
Registered: ‎06-27-2011
0

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: 753 (Walmart TU 11/12) | Goal: 800 | Garden since: 01/15/2013

Established Member
Captain4Ever
Posts: 26
Registered: ‎04-24-2012
0

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
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

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
FutureBillionaire
Posts: 647
Registered: ‎12-12-2012
0

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
Established Contributor
emptypockets
Posts: 990
Registered: ‎02-03-2009
0

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, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (10/2014): 813; EX (6/14): 775
Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

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
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator
Revelate
Posts: 9,536
Registered: ‎12-30-2011
0

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

Whatever store you shop at! :smileyhappy:.  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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Frequent Contributor
LisaJ
Posts: 390
Registered: ‎11-06-2008
0

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.  :smileyhappy: 

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


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