topic Re: What's your favorite store card? in Credit Cards

What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 08:11:24 GMT

I don't have one and to be honest none really appeal to me. Nordstroms and Macys don't really get my business at all. Nor does any other store on a super regular basis. I shop around online and all over to find good value. Which is your favorite and why?

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 08:18:29 GMT

Walmart - Free FICO and I do shop there

Amazon - Great prices...check out is ridiculously fast if you use their card

Overstock - High starting Limit

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 08:18:51 GMT

Probably just the walmart and Sams Club MC.

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 09:46:47 GMT

I don't have any but if I had to get one, it'd probably be the Amazon Store card.

My spend at Amazon is unparalleled to other retailers/stores/websites.

Re: What's your favorite store card?

Little_Lulu — Tue, 09 Dec 2014 10:58:16 GMT

I feel really bad because I just applied for a Walmart card on Black Friday. I wanted to take advantage of the $25 off when you spend $75. I got a $1,100 limit with a fico score of around 660 so pretty happy about that but I feel like I took a step back considering I typically don't even shop at walmart and have no use for the card. Idk why I applied!

Now to answer your question lol, Victoria's Secret. I got it with the shopping cart trick and I'm enjoying the rewards. I got to combine a bday $10 off, with a $10 off secret reward, a $15 off a bra coupon for angel card holders coupon AND a promo for free shipping to get a bra under like $10 tonight. I'm happy.

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 12:06:02 GMT

Target... I shop there quite often and the card gets me instant 5% off every purchase everyday, no waiting for statement credit or having to redeem the savings layer.

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 14:06:02 GMT

My one and only store card, Best Buy. Love the 0% financing options available. Currently have my kitchen appliances on them for 24 months @ 0%. Card started at $800 and grew with several auto CLIs to where it is now. Only incurred 1HP CLI 2 months ago after Citi took it over to bring it to where its currently at $4000.

Re: What's your favorite store card?

takeshi74 — Tue, 09 Dec 2014 14:15:39 GMT

I don't use any. You don't have to have a store card if none of them appeal to you.

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 14:16:47 GMT

@takeshi74 wrote:
I don't use any. You don't have to have a store card if none of them appeal to you.

That's why I only have the one!

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 14:19:22 GMT

@takeshi74 wrote:
I don't use any. You don't have to have a store card if none of them appeal to you.

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 14:27:50 GMT

I get better incentives with retail purchases using other cards like discover, freedom and amex. Plus consumer protection on amex. I'm not sure how the consumer protection would be a store card

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 14:31:48 GMT

@Anonymous wrote:
I get better incentives with retail purchases using other cards like discover, freedom and amex. Plus consumer protection on amex. I'm not sure how the consumer protection would be a store card

At best you get an extended return period. But nothing like 90 day purchase protection on AMEX or such...Normally.

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 15:18:15 GMT

The 1 benefit in terms of protection for store cards is that if their database is hacked, the card can only be used in 1 place... for ex: when Target was breached, I probably had the least concern of anyone (except those only using cash) because the chances of the perps going to Target to use the cards were pretty slim and since I only use my store card there they wouldn't be able to rip me off by using the card anywhere else.

Re: What's your favorite store card?

bdhu2001 — Tue, 09 Dec 2014 15:26:57 GMT

Home Depot, when making big purchases, for the 0%. Other than that, I use my FNOB and AmEX to keep my points on just two cards instead of spreading them out.

Re: What's your favorite store card?

MissMoni223 — Tue, 09 Dec 2014 17:46:31 GMT

I have 16 store cards, to stores that I frequent the most. My absolute FAV is a tie between Macy's and Walmart. I get GREAT coupons/deals from being a Macy's cardholder. I absolutely LOVE the 5 cents off gas purchases from Walmart! They also did NO interest for 6 to 24 months this holiday season, which is a nice perk. That's my go to gas card when gas is not the chosen category for Discover.

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 17:56:53 GMT

Amazon - 0% offers on big purchases

Macys - for the exta 30% off deals sometimes

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 18:15:40 GMT

Macys 30% off coupons sometimes? Hmm, now I'm interested. How often do you get them? What can you use them on? Men's fragrances? I do have a Macys and Nordstroms right near me so if they have some good promotions it's convenient.

Anyone got the Kohl's card? That one has some benefits that I like.

"This department store offers a 20% discount on a customer’s next order when they open an account, which is above average for such offers. In addition, a 15%-off coupon will also arrive in the mail with the new card, plus 12 more discounts of 30%, 20% or 15% every year. Furthermore, those who spend $600 a year or more at Kohl’s stores will become a Most Valued Customer (MVC) and receive at least 18 discounts a year. So even though it doesn’t offer rewards points for each purchase, it offers plenty of more valuable coupons, which can even be combined with other offers. There is no annual fee for this card."

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 18:28:20 GMT

Out of mine...

Favorites: BR & J.Crew have so far provided me with pretty good promos for cardholders like an extra percentage off. And you earn decent store credit as you spend. They are stores I shop with semi frequently so they are useful to me.

Also like Overstock though I haven't used it for much yet. The high starting limit on a SP was awesome and the option to have 0% financing on larger purchases could come in handy down the road.

If CareCredit counts, they are great to have as piece of nice for vet emergencies.

My useless store cards are: Barneys (requires too much spend and I'm only keeping it open for util purposes due to 5k limit. I've had the card since 2006 but Comenity bought it in 2013 and changed all of my CRs to 2013, thus dragging down my AAoA. Attempts to dispute have been futile. Will close when my util is further down.

Bloomingdales: Tiny starting limit with no increases granted or auto increased. Rewards structure sucks. Used it once to save on my initial purchase then paid it off. Plan to axe this one after my util goes down post-holidays as I have no use for it now and they don't even report most months.

Re: What's your favorite store card?

fishbjc — Tue, 09 Dec 2014 19:01:54 GMT

Walmart - Free Fico Score

Kohl's - up to 30% off additional coupon. I usually ask for one on f/b if I get less than that. Great deal!

Target - 5% discount (crappy limit, I usually use the debit card there b/c I spend more than $200!

Lowes - 5% discount & awesome financing deals...great limit increase via their solutions service.

Care Credit (sort of a store card). I've used this one over and over....plus it grows FAST

Re: What's your favorite store card?

Anonymous — Tue, 09 Dec 2014 22:42:15 GMT

I only technically have 2 (Amazon Visa doesn't count huh!)...I really like having the Target RedCard for getting 5% off your orders instantly. I decided to go for that card because I'm always at Target, and probably will be shopping there for the rest of my life...So why not get 5% everytime?

My other store card is with Conn's homeplus. I opened it the first time I even went there, because we bought a very expensive fridge and they were offering 3 years at 0% interest. Really hard to not take up an offer like that! I don't plan on using that card much, or at all, after the purchase is paid off.