Store cards worth it?

[drboxing]

Started out after BK13 getting store cards. Now I have Citi AA, Discover Miles, AMEX SPG, Amex Delta Blue & Delta Platinum, Amex Biz Platinum are store cards really necessary, I really don’t keep

[AppHappyTog]

If you’re using them, sure. But no point in having them if you don’t use them. I get a lot of mileage on my pottery barn card because the rewards are great- ended up with $250 in rewards from purchasing a sofa, which was much higher than I wouldn’t received from using any of my cash back or points cards- plus I frequently shop there. My other store cards are kind of a waste and are highly unnecessary. 

[drboxing]

Appreciate your input thanks

[longtimelurker]

Evaluating store cards isn't ALL that different from evaluating bank credit cards IMO.   Get those that provide rewards for your spending patterns.     So if you spend a lot of money at LongTermLurkers Fine Vomit Bags ("an ideal gift for every occasion and pocketbook") and our gift card gives 15% off each purchase + access to our yearly sales event, it makes sense.   If for whatever warped reason you are not a customer, it doesn't.     And this is not really very different from say the Citi AA card.   If you don't use AA or a partner, it's not really a sensible choice.   Yes, unlike a store card, you COULD use the Citi card elsewhere, but in reality that's unlikely as you probably have a card with higher rewards for those purchases.

[SouthJamaica]

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@drboxing wrote:
Started out after BK13 getting store cards. Now I have Citi AA, Discover Miles, AMEX SPG, Amex Delta Blue & Delta Platinum, Amex Biz Platinum are store cards really necessary, I really don’t keep

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In my opinion you don't need or benefit from store cards at this point.

[AverageJoesCredit]

Age old question. Like stated if it rewards you probably yeah. Lol I was at Sam's last night and wondered which card to put my spend on . I have the Sam's store card with a great limit. But I get basically nothing back for the $400 I put on it so I went with my DC to as t least get back something

[Anonymous]

I think any time you end up swiping a card other than your store card at that store, you really have to ask yourself if having the store card is worthwhile.

[Anonymous]

Not necessarily - the sams card earns 5% on gas so it could be reasonable to use another card at the store but still keep the sams card.

The best example I can think of is the Sears MasterCard. Normally it sucks, and even using it at Sears is a pretty flaccid endeavor. But it's an amazing card if you 1. Call Citi and have them enroll the card to earn Thank You points and 2. Get the offers for 10x back on gas/groceries/restaurants. These offers, from what I can tell, are sent out once or more a year to, again from what I can tell, pretty much all card members. 10x TY on gas/groceries/restaurants is basically unbeatable outside of a SUB.

[UpperNwGuy]

When I did my credit card purge last year, I cancelled all five of my remaining store cards and gas cards.  The store cards were not worth the hassle.  Life is so much simpler now.

[drboxing]

when you canceled your store cards, did it have a major impact on your credit profile? This is one of my concerns