Reply
Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

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.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Regular Contributor
sengpatt
Posts: 223
Registered: ‎12-08-2012

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.
EX: 758 (10/12), TU: ???, EQ: ???

BankAmericard Travel Rewards // Citi Forward // Amex Blue Cash Preferred // Gap Visa
Frequent Contributor
Mike360
Posts: 433
Registered: ‎03-19-2010

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.

~~In my wallet: Best Buy $7500, Dell Preferred $5500, Discover IT $4000, Chase Freedom $3500, Barclays NFL Extra Points $3300, Sears $2800, Bill Me Later $2100, CapOne Platinum $2000, Kohls $1500, Target $200
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

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.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Established Contributor
toppers555
Posts: 550
Registered: ‎09-28-2012

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.



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Valued Contributor
daybreakgonesXe
Posts: 1,647
Registered: ‎11-17-2012

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.

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k

EQ FICO 737 TU FICO 746 Credit Karma (TU) 780 Transrisk 816/990 Credit Sesame (EX) 762 Credit.com (EX) 763 VantageScore 3.0 733
Contributor
Anf_dude
Posts: 115
Registered: ‎09-04-2012

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. 

Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010

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.

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
Take the FICO Fitness Challenge
Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010

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

AMAZON!
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Frequent Contributor
Sparkz1920
Posts: 271
Registered: ‎08-09-2009

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.


Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+