topic Re: Store Card Perk List in Credit Cards

Store Card Perk List

Anonymous — Fri, 04 Oct 2013 18:00:28 GMT

Hey guys, I've been reading the forum about how some store cards really offer perks, I did a quick search through the forum history and realized nobody has kept an updated list. Please post here if you have a store card and know the current benefits it offers, and I'll do my best to keep an updated tally by editing this message with the most recent editions. I'll always do my best to keep this updated with info from both official websites and users on this forum. Please don't quote me on any Credit Apps though

If anyone notices any information that does not appear to be current, please post =)

Personal Cards:

Amazon.com - SCard. Visa serviced by Chase (Edited 09/23/2013)

*Amazon Store Card

-6 months no interest if paid in full on any purchase totaling $149 or more.

-12 months no interest if paid in full on any purchase totaling $599 or more

-24 months no interest if paid in full within 24 months on select items sold by Amazon.com. Items sold by third parties do not qualify

*If not paid in full by promotional date, interest will be backdated to purchase date.

*Amazon Rewards Visa

-Get $30 Amazon.com Gift Credit instantly upon credit card approval

-Earn 3 points for every $1 spent on Amazon.com

-Earn 2 points for every eligible $1 spent at gas stations, restaurants, and drugstores

-Earn 1 point for every other $1 spent

Barnes & Noble - MC serviced by Barclays Bank Delaware (Edited 09/23/2013)

-5% Cash back on B&N store purchases that goes directly to the statement as credit towards what you owe.

-Your Rewards Begin with a Barnes & Noble $25 Gift Card

-$25 B&N gift card with each $2500 spent on that card.

-No AF

Barneys New York - (Edited 09/274/2013)

-Free ground shipping and returns for all online orders

-Complimentary Valet/parking validation at select locations (locations not specified on benefits page)

-Exclusive Pre-sale shopping days

-Invitations to select in-store and promotional events

-$50 credit towards alterations for every $500 spent

-Free glass of wine (per cardholder) at specific restaurants (Fred's New York, Fred's Chicago, and Barney Greengrass)

Best Buy - MC serviced by Citi Bank (Edited 09/23/2013)

-5% back

-6 Month's at 0% on purchases over $149

-18 Month's at 0% on purchases over $429

-24 Month's at 0% on home theater purchases over $599

-If you accept promo terms, you get the standard 2% back.

-10% off on Ink

Bloomingdale's - SCard serviced by DSNB. AMEX (Edited 09/23/2013)

-AMEX offers 3% back on store purchases and 2% back elsewhere after a minimum of $1,000 is spent annually.

-After charging $100 in a Bloomingdale’s restaurant, the cardholder can receive a free entrée and non-alcoholic beverage.

-Customers who buy five pairs of women's shoes also receive 25% off their next pair.

-Double points on cosmetics and fragrances at Bloomingdale's. Various Double and Triple point ranges.

-Spend $3500 annually at Bloomingdale's on your Bloomingdale’s card and you will qualify for Reserve status

-Reserve members get free shipping on purchases made in-store and online. And earn more on in store purchases.

Costco - AMEX (for Costco members only) (Edited 09/23/2013)

-1 to 3% Cash back on various purchases (details at AMEX, full link at bottom http://tinyurl.com/k933rfb)

-Cash Back provided annually as a Reward Coupon redeemable for cash or merchandise at U.S. Costco Warehouses, issued in February Statement.

-"exclusive" access to ticket presale's and Cardmember-only events in your city.

-Extended Manufacturer's Warranty by one year on eligible items

-Car rental and travel accident insurance, roadside assistance, and 24/7 global advice hotline.

Express Next - Serviced by Comenity Bank (Edited 09/23/2013)

-Earn 15 points per dollar spent with monthly opportunities to earn bonus points (EXP Points Extra)

-$10 dollar reward for every 2500 points spent, there is also a birthday gift.

-Upgrade to A-List status at 7500 points (roughly $500 in base points).

*A-List cardholders earn a $15 reward every 2500 points, free standard shipping on Express.com orders, and a "premium" birthday gift

Banana Republic/Athleta/ Gap/Old Navy/Piperlime - Visa serviced by GE Capital Retail Bank (Edited 09/23/2013)

-Earn 5 points per $1 spent in purchases (VISA cardholders earn 1 point per $1 on everything else)

- $5 Reward card after every $100 in purchases

- Upgrade to Gap Silver/BR LUXE status after $800 in purchases per year:

-Free shipping

-15% off on "Your Own Sale Day"

-Free basic alterations on BR items

-Silver/LUXE only sales and offers like Triple Point Days

-Dedicated Silver/LUXE customer service line

Home Depot - Serviced by Citi (Edited 09/23/2013)

-6 months 0% purchases over $299

*This is a base offer, various offers of similar nature are sent based on your relationship with Home Depot, for example, 24 months 0%

Kohl's - Serviced by Capital One (Edited 09/23/2013)

-At least monthly offers of 15-30% off

-Become MVC by spending $600+ a year and get at least 18 "exclusive" discount offers a year

-15% off first day's purchases (date of approval)

L.L.Bean - Visa serviced by Barclays Bank Delaware (Edited 09/23/2013)

-3% in rewards for shopping at its stores and 1% elsewhere.

-Free shipping (both ways) and free monogramming.

-$10 L.L.Bean coupons are automatically mailed as they're accrued.

Lowe's - Serviced by GE Capital Retail Bank (Edited 09/21/2013)

-5% off or special financing.

JCPenny - Serviced by GE Capital Retail Bank (Edited 09/24/2013)

-Every $100 spend in a calendar month = $10 JCP Certificate for use in store.

-Birthday gift if a purchase has been made using the card in the last 12 months.

-"To qualify for a JCPenney Gold Credit Card, spend $500 or more on merchandise or services using your JCPenney Credit Card over two or more unique shopping days in a calendar year."

-Spend $1000 or more " " as mentioned above for a platinum membership. Benefits include Free shipping. Both Gold and Platinum award various gift certificates.

*Usable at CVS and Rite Aid

J.Crew - Serviced by Comenity (Edited 09/24/2013)

-1 point per dollar spent

-$25 reward card after 500 points

-Free standard alterations on full price items,

-"very personal stylist"

-dedicated customer service line.

Macy's - SCard Serviced by DSNB. AMEX (Edited 09/24/2013)

-AMEX card offers 1.5% to 3% rewards for every $1 spent at the store, and 1% elsewhere.

-Returns are accepted without a receipt.

-Store only card offers a 15% discount on purchases made in the first two days of activation.

Old Navy - Visa serviced by GE Capital Retail Bank (Edited 09/24/2013)

-5 points per dollar spent (Visa cardholders earn 1 point per dollar spent everywhere else)

-$5 reward card after 100 points

-10% off purchases on Tuesdays

*Also listed along with Gap, Banana Republic, and others

PayPal - MC Serviced by Mastercard (Edited 09/24/2013)

-3x points/ $1 spent on Gas & Restaurants

-2x points/ $1 spent on PayPal & eBay

-1x points/ $1 spent on all other MasterCard purchases

-MC Platinum Benefits

Pottery Barn - Serviced by Comenity (Edited on 09/24/2013)

-$250 or more on a purchase earns 10% rewards

-$750 or more has the option for promotional financing instead of rewards

Sears's - Coming Soon

*Usable at KMart

Staples - SCard Serviced by Citibank N.A. (Edited 09/24/2013)

-Free Shipping on Staples.com

--5% back in rewards on everything in store and online, except postage, phone/gift cards and savings passes.

Target RedCard- Serviced by TD Bank USA, N.A. (Edited 09/24/2013)

-5% Discount at both Target.com and in Store

-Free Shipping

-Extra 30 days for Returns

-Target also has a debit card with most/all of the same benefits as the charge card, aside from reporting to credit agencies. This links directly to your checking account.

-When you buy 5 prescriptions with your RedCard, you get a 5% off coupon for a non-pharmacy purchase. This works in addition to the normal 5% off with the RedCard.

Victoria's Secret - Serviced by Comenity (Edited 09/24/2013)

-1 point per dollar spent

-$10 reward every 250 points

-$10 birthday gift

-Early access to semi-annual sale

-Earn Double points on bra purchases

-Limited edition anniversary gift

-Special monthly offers for cardholders

-Use at Bath and Body Works (in-store only, purchases made won't earn points)

*Additional Angel VIP status perks (earned at 500 points):

-Earn Triple points at special events throughout the year

-Free beauty gifts throughout the year

*Additional Angel Forever perks (earned at 1000 points)

-$15 reward for every 250 points earned

-Annual Thank You gift for maintaining Forever status

-Free standard shipping on Spring and Fall collections

Walmart- Serviced by GE Capital Retail Bank (Edited 09/24/2013)

- Save 5 cents per gallon at participating Walmart gas stations

-Free monthly TU08 FICO score with enrollment in online billing.

-Periodic 0% financing offers on Walmart merchandise.

*Usable at Sam's Club

Zales - Serviced by Citibank N.A. (Edited 09/24/2013)

-No monthly interest of Paid in Full 6 months, min $300. 12 months, min $1000. 18 months, min $5000.

-10% off any repair work done at Zales.

-Good customer support benefits. (Lifetime diamond guarantee, 100 day satisfaction, free ship to store, free cleaning and inspection)

Business Cards:

Staples - (Updated 09/23/2013)

-Double Ink recycling limit (up to 20 cartridges a month)

-Earn 100% back in rewards on online access, scanning and shredding at Staples Copy & Print.

-Get 1 free hardware or software install per year.

-5% back in rewards on everything in store and online, except postage, phone/gift cards and savings passes.

-Free shipping on all staples.com orders

Thank you guys! Please keep any coming that you know for sure are current ^_^

*Costco card page link https://www304.americanexpress.com/credit-card/costco-american-express/26129?PID=15-11417028-1426657-9915_112d54d120132309452108c4196109&BUID=CCG&PSKU=CST&CRTV=CSTLM&CID=908111

*DSNB - Department Stores National Bank

Re: Store Card Perk List

lithium78 — Fri, 20 Sep 2013 15:18:05 GMT

Walmart Store Card = Free monthly TU08 FICO score with enrollment in online billing. Periodic 0% financing offers on Walmart merchandise. Save 5 cents per gallon at participating Walmart gas stations.

Re: Store Card Perk List

injustifiiable — Fri, 20 Sep 2013 18:21:59 GMT

I'll list a couple of the ones that I have.

J.Crew: 1 point per dollar spent, $25 reward card after 500 points, free standard alterations on full price items, "very personal stylist", dedicated customer service line
Old Navy: 5 points per dollar spent, $5 reward card after 100 points, 10% off purchases on Tuesdays (Visa cardholders earn 1 point per dollar spent everywhere else)

Re: Store Card Perk List

Cubist — Fri, 20 Sep 2013 15:23:31 GMT

Great thread.

Target RedCard also gives you an extra 30 days for returns.

Lowes (GE) - 5% off or special financing.

Re: Store Card Perk List

injustifiiable — Fri, 20 Sep 2013 18:17:47 GMT

A couple others:

Gap/Banana Republic: Earn 5 points per $1 spent in purchases, $10 Reward card after every $200 in purchases (VISA cardholders earn 1 point per $1 on everything else) - Upgrade to Gap Silver/BR LUXE status after $800 in purchases per year:

Free shipping
15% off on "Your Own Sale Day"
Free basic alterations on BR items
Silver/LUXE only sales and offers like Triple Point Days
Dedicated Silver/LUXE customer service line

Express Next: Earn 15 points per dollar spent with monthly opportunities to earn bonus points (EXP Points Extra), $10 dollar reward for every 2500 points spent, birthday gift, upgrade to A-List status at 7500 points (roughly $500 in base points)

A-List cardholders earn a $15 reward every 2500 points, free standard shipping on Express.com orders, "premium" birthday gift

Re: Store Card Perk List

Anonymous — Fri, 20 Sep 2013 20:02:48 GMT

Thank you very much guys, I appreciate the additions. I'll improve the formatting when I have a chance too =)

Re: Store Card Perk List

vagrants — Fri, 20 Sep 2013 20:10:55 GMT

I don't have this, but I see it all the time. Kohl's...30% off or something like that.

Re: Store Card Perk List

SuperKirby — Fri, 20 Sep 2013 21:03:40 GMT

What an excellent thread! This should be a sticky. Thanks, Startome!

What I also learned today from another thread (thanks to sweettea & others), is that Target has a debit card as well! Same exact perks as the credit card, but no credit checks, no new TL, no HP.

Is there a debit card for any of the other stores?

Re: Store Card Perk List

Anonymous — Fri, 20 Sep 2013 20:56:25 GMT

Thank you SuperKirby =D

Re: Store Card Perk List

SuperKirby — Fri, 20 Sep 2013 21:03:04 GMT

@Anonymous wrote:
Thank you @SuperKirby =D

NP, i suggest you bold the store names, so when people revisit, it makes it easier to find the store they're looking for.

Re: Store Card Perk List

Anonymous — Fri, 20 Sep 2013 21:06:10 GMT

@SuperKirby wrote:

NP, I suggest you bold the store names, so when people revisit, it makes it easier to find the store they're looking for.

+1
Totally loving it!

Re: Store Card Perk List

SuperKirby — Fri, 20 Sep 2013 21:37:34 GMT

@Anonymous wrote:
@SuperKirby wrote:

NP, I suggest you bold the store names, so when people revisit, it makes it easier to find the store they're looking for.
+1
Totally loving it!

Looks nice. Good job keeping it in alphabetical order, as this list can get very long in the future.

Re: Store Card Perk List

Anonymous — Fri, 20 Sep 2013 21:39:59 GMT

I'll do Best Buy.

Re: Store Card Perk List

Anonymous — Fri, 20 Sep 2013 21:44:46 GMT

Best Buy

-5% back

-6 Month's at 0% on purchases over $149

-18 Month's at 0% on purchases over $429

-24 Month's at 0% on home theater purchases over $599

-If you accept promo terms, you get the standard 2% back.

-10% off on Ink

Re: Store Card Perk List

Anonymous — Sat, 21 Sep 2013 03:43:05 GMT

Home Depot 6 months 0% purchases over 299

Target is 5% also in store

Re: Store Card Perk List

Anonymous — Sat, 21 Sep 2013 12:52:03 GMT

Thank you guys =) I'll try to spend some time adding more today

Re: Store Card Perk List

vagrants — Sat, 21 Sep 2013 13:24:42 GMT

@Anonymous wrote:
Thank you guys =) I'll try to spend some time adding more today

Good job! This thread is as useful as backdoor #/AMEX 3x master threads!

By the way, do you want to stay with personal ones? One of the business store card I know of offers a good perk (at least for me).

Re: Store Card Perk List

Anonymous — Sat, 21 Sep 2013 13:45:01 GMT

Oh that's a good idea. I might add a second section under the personal one for business cards. Thank you =)

I have to say I love meeting all you guys with good ideas on this forum ^_^

And thank you for the encouragement!

Re: Store Card Perk List

vagrants — Sat, 21 Sep 2013 15:14:15 GMT

I guess as usual for me, I don't have this card; but, Staples especially business one (best value compared to Personal or Commercial).

Business Account

Payment Terms
Pay in full, or carry a balance

Best for most businesses:
Allows flexibility to carry a balance

Flexible payment options
Dedicated credit line
Itemized billing detail
Enhanced spending control
Automatic upgrade to Staples Rewards Plus
Free shipping on staples.com for Staples
Rewards members

The bold is my doing, but everything else is copy & paste. Office Depot or Office Max store cards won't let you double the Ink Recycling amount.

Re: Store Card Perk List

thom02099 — Sat, 21 Sep 2013 15:43:22 GMT

Regarding Home Depot:

They have a variety of offers, not just 6 months at 0% for purchases of $299 or greater. I just got a mailer that offered 0% for 24 months for the same purchase threshold, AND they will bump by CL from $10K to $11,800 to boot! Presumably, they tailor the offers to the individual, depending on what your current status is with Home Depot.

I've seen other offers of 12months/0% for the same $299 or greater.

I did the 24month/0% last summer when I bought my tuff shed from them. Great way to finance a large purchase and they bumped by CL up to the current $10K with that purchase.