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Valued Contributor
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Registered: ‎11-11-2010
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Re: What store cards give the most bang for the buck?


sengpatt wrote:
Re: Target RedCard

It seems like the debit card version is just as good as the normal CC? 5% off and free internet shipping, but without all the hassle of the application process, the notoriously low limits, and the sky-high APR. Am I missing something? I frequently shop at Target, so I am looking into this for the near future.

Target debit card does have a very high return payment fee, should you ever bounced a check. Debit card withdraw the fund from your checking account the very next day.

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

Also, re: the OP

I just got approved for the Gap Visa, and it seems like a good deal. I've recently started doing some more shopping at Gap and Banana Republic, so I'm glad that I can earn bonus points at both stores. You can also use it at Old Navy and the affiliated online store, but I probably won't use those too much.

You get a $10 gift certificate for every $200 spent at those stores, so about 5% back. Also, 10% off every Tuesday and frequent coupon/shopping specials. Reportedly they have also give bonuses for out-of-network spending (2x or 3x points) during certain periods.

The APR is a little ridiculous, but that is to be expected for store cards. As long as you PIF and shop fairly regularly at Gap and its partner stores, I don't see much to complain about.
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Frequent Contributor
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Registered: ‎03-19-2010
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Re: What store cards give the most bang for the buck?


sengpatt wrote:

Re: Target RedCard

It seems like the debit card version is just as good as the normal CC? 5% off and free internet shipping, but without all the hassle of the application process, the notoriously CLs, and the sky-high APR. Am I missing something? I frequently shop at Target, so I am looking into this for the near future.


I have both and they offer the same benefits so i'd suggest just getting the Debit Card. I decided to get a really good laptop couple weeks ago and had to split $200 on my credit and rest on the debit. I was able to get the 5% off the whole thing.

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

Sengpatt:

Target's CC portfolio was recently purchased by another bank, so we've all been hopeful that the crappy CLs will end.
;
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Registered: ‎09-28-2012
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Re: What store cards give the most bang for the buck?


trumpet-205 wrote:

sengpatt wrote:
Re: Target RedCard

It seems like the debit card version is just as good as the normal CC? 5% off and free internet shipping, but without all the hassle of the application process, the notoriously low limits, and the sky-high APR. Am I missing something? I frequently shop at Target, so I am looking into this for the near future.

Target debit card does have a very high return payment fee, should you ever bounced a check. Debit card withdraw the fund from your checking account the very next day.


+1   I am so close to ending them for the $200 cl limbo they have me in.



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

If you're a frequent JCP shopper then I highly recommend the JCP card! 20% on clothing, shoes, and accessories and 10% on jewelry, watches, and home shopping pass, good for 24 hours PLUS a code to use for an online order. When you receive the card in the mail, you earn a $10 coupon, then after that the card doubles as a rewards card, where you can earn a $10 coupon for every $100 you spend per month (starting at the very first purchase, so yes, you're earning points even with the discounts!), up to 10 coupons! That's 10% cash back redeemable at every $100 interval and a max cap of $1200 per year! Coupons can be combined as well :smileyhappy: Card is also good at CVS and RiteAid.

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

I Really Like My GapCard Because I Can Use It At Other Stores Like Banana Republic, Old Navy, Etc. 

the Rewards Are Amazing. I Only Got A 200 Initial Credit LiNe But That Earned Me About The Same $200 In Rewards.! They Often Have Cardholder Exclusive Sales From All Their Stores And Send You A Lot Of Mailers With Coupon Cards. 

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Registered: ‎05-26-2010
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Re: What store cards give the most bang for the buck?

Kohls for sure - frequent 15-30% discounts on everything.  There's usually good stuff at 60% off on clearance then I get another 15% or more paying on the card.

 

Walmart, I've had their Discover for two months.  Haven't seen special offers or a CLI but like the monthly TU FICO when you opt for paperless statements.

 

I never applied for Target because I heard about low CL and likelihood I would be denied for BK.  I do have their debit card, and just saved a bundle on an online order of furniture.  Stuff was on sale, 15% more for ordering more than $125, 5% more for Red Card plus free freight (almost $150) for Red Card.  So until we hear what TD Bank does with CL and CLI I figure I'm just as well off with the Target Debit card.

 

Best Buy - BBRZMC - have had this as a rebuilder and used 0% offer.  Started with a $500 CL, soft CLI on request every 6 months so the line is up to $1600.

 

I've had Macy's for a long time, it survived my BK and I've used it for 0% on furniture.  Their reporting is still flakey although I do have a stated credit line on my statement now.

 

Jared - very high limit, I use it once or twice a year for small purchases to keep that big line helping my utilization.

 

Store cards are always dangerous because they have very high interest rates, and when you take a 0% offer is you slip up in any way they hit you will the full accrued interest.

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

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


Anf_dude wrote:

I Really Like My GapCard Because I Can Use It At Other Stores Like Banana Republic, Old Navy, Etc. 

the Rewards Are Amazing. I Only Got A 200 Initial Credit LiNe But That Earned Me About The Same $200 In Rewards.! They Often Have Cardholder Exclusive Sales From All Their Stores And Send You A Lot Of Mailers With Coupon Cards. 


I love all three of their cards...yes, i have all three

 

Used two coupon codes and also one 10.00 reward and one 30.00 reward from my old navy card when i got upgraded to the visa. Got my paid of 1969 skinny jeans for $13.17

 

I love to shop...But i shop where there are bargains

 

I love my NY&Co card as well. just used a 30% off code and 20.00 coupon. Got like 2 pairs of pants, 3 tops and a belt for 64.00....

 

And  i think i should have another 20.00 reward on my next statement as well.


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