cancel
Showing results for 
Search instead for 
Did you mean: 

Store Cards

Highlighted
Community Leader
Super Contributor

Store Cards

And people say store cards are a waste of time. Smiley Very Happy I've probably only spent about $700 on this card, ever. What's the best deal you've gotten with a store card?

 

PhotoGrid_1541470554013.jpg







Message 1 of 22
21 REPLIES 21
Highlighted
Valued Contributor

Re: Store Cards


@Brian_Earl_Spilner wrote:

And people say store cards are a waste of time. Smiley Very Happy I've probably only spent about $700 on this card, ever. What's the best deal you've gotten with a store card?

 

PhotoGrid_1541470554013.jpg


The Kohl's card discounts seem too complicated for me.  But I did get a dinning room set from Pottery Barn that was 50 percent off and then I used the 20 percent off coupon for opening an account on top of that and also got 0 percent interest for 12 months. Got that with my scores in the low 500's so it wasn't like I had many options on better cards. 

More cards than I can mention in a signature.
Message 2 of 22
Highlighted
Community Leader
Super Contributor

Re: Store Cards


@frogman1 wrote:

@Brian_Earl_Spilner wrote:

And people say store cards are a waste of time. Smiley Very Happy I've probably only spent about $700 on this card, ever. What's the best deal you've gotten with a store card?

 

PhotoGrid_1541470554013.jpg


The Kohl's card discounts seem too complicated for me.  But I did get a dinning room set from Pottery Barn that was 50 percent off and then I used the 20 percent off coupon for opening an account on top of that and also got 0 percent interest for 12 months. Got that with my scores in the low 500's so it wasn't like I had many options on better cards. 


Yeah, I don't really get the yes2you, or I should say, I never cared to look into it. All I know is I logged in and saw $30 of those rewards and $30 Kohl's cash from a recent visit. Added the current sale and got some Levi's for free along with a couple shirts and something for my wife.

 

Should also mention that sometimes better cards don't give better deals. Bought some raybans from Kohl's and it was cheaper than if I used the amex offer for $50 back on $200. Plus, I got the $30 Kohl's cash that I used on this deal.







Message 3 of 22
Highlighted
Super Contributor

Re: Store Cards

Beware of illusory savings. Easy discounts often mean the goods were initially intentionally overpriced.

 

I prefer a mix of Costco and price protection.

 

The one store card I had was Brooks Brothers, but there were really very few cardholder-only promotions. Most were open to everyone.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 4 of 22
Highlighted
Established Contributor

Re: Store Cards

i love kohls





Message 5 of 22
Highlighted
Super Contributor

Re: Store Cards


@wasCB14 wrote:

Beware of illusory savings. Easy discounts often mean the goods were initially intentionally overpriced.

 

I prefer a mix of Costco and price protection.

 

The one store card I had was Brooks Brothers, but there were really very few cardholder-only promotions. Most were open to everyone.


And in fact wasn't Kohl's sued over this at one point? They were advertising "70% off", for example, but the item was never sold or going to be sold at the so called "original" price. It was just to make it look like a deal.

 

The Kohl's charge looks like a good deal for the right person and I'm not discrediting that, but I have found sometimes they don't have the best deals. I enjoy Kohl's and have gotten some nice items there, but not necessarily the least expensive.

Message 6 of 22
Highlighted
Community Leader
Super Contributor

Re: Store Cards


@wasCB14 wrote:

Beware of illusory savings. Easy discounts often mean the goods were initially intentionally overpriced.

 

I prefer a mix of Costco and price protection.

 

The one store card I had was Brooks Brothers, but there were really very few cardholder-only promotions. Most were open to everyone.


I only buy resale price maintained items from them like Levi's and Converse. That being said, they're not Fingerhut.







Message 7 of 22
Highlighted
Established Contributor

Re: Store Cards

It seems no matter how much my wife "saves" using the various Kohls discounts, we still seem to have trouble getting out of debt.

Scores: Spt 20: EX FICO8 831, TU FICO8 828, EQ FICO8 823
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 8 of 22
Highlighted
Community Leader
Super Contributor

Re: Store Cards


@kdm31091 wrote:

@wasCB14 wrote:

Beware of illusory savings. Easy discounts often mean the goods were initially intentionally overpriced.

 

I prefer a mix of Costco and price protection.

 

The one store card I had was Brooks Brothers, but there were really very few cardholder-only promotions. Most were open to everyone.


And in fact wasn't Kohl's sued over this at one point? They were advertising "70% off", for example, but the item was never sold or going to be sold at the so called "original" price. It was just to make it look like a deal.

 

The Kohl's charge looks like a good deal for the right person and I'm not discrediting that, but I have found sometimes they don't have the best deals. I enjoy Kohl's and have gotten some nice items there, but not necessarily the least expensive.


It was Kohl's, JC Penney, Sears, and Macy's. The case was they never sold something for the msrp, that they always sold it at the sale price. Is it misleading? Yeah, but who complains about paying less than msrp? If I found some place that always sold below msrp, I wouldn't care what they're advertising, I would just capitalize on it.

 

And the point of the thread is that store cards are not always worthless like they're made out to be on this forum. Between the sale prices and the rewards, I saved over $100 for less than $700 total spend on the card. Thats an almost 15% return, not including the other discounts I've received in the past. I'm sure there are other store cards that can do just as well.







Message 9 of 22
Highlighted
Community Leader
Super Contributor

Re: Store Cards


@FlaDude wrote:

It seems no matter how much my wife "saves" using the various Kohls discounts, we still seem to have trouble getting out of debt.


The problem is you only get like a week to use the discounts or you lose them. This was just really good timing. I had just spent $150 and my yes2you rewards happened to show up at the same time as the sale starting. A Kohl's trifecta. Smiley LOL







Message 10 of 22
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.