Thoughts On Store Cards?

[M_Smart007]

---

@Red1Blue wrote:

---

@UpperNwGuy wrote:

None.  I used to have a bunch, but I got rid of the final five cards three years ago.  I don't like store cards.  My general purpose bank cards are far superior credit products.

---

I thought we get special discounts when using the store cards at their stores. Is it not true ?

---

Yes, Some have great perks .. Lowe's, PayPal Credit, Amazon, Target .. plenty of others have some great perks

I do not think store cards are the

[Brian_Earl_Spilner]

---

@Red1Blue wrote:

---

@UpperNwGuy wrote:

None.  I used to have a bunch, but I got rid of the final five cards three years ago.  I don't like store cards.  My general purpose bank cards are far superior credit products.

---

I thought we get special discounts when using the store cards at their stores. Is it not true ?

---

I don't know, but I just got an instant 5% back at Target 10 mins ago. $3.82 I can put towards tacos.

[M_Smart007]

@Brian_Earl_Spilner   "The New Avatar"

[Brian_Earl_Spilner]

---

@M_Smart007 wrote:

@Brian_Earl_Spilner   "The New Avatar"

---

Stimpy is my maiden name

[staticvoidmain]

---

@UpperNwGuy wrote:

None.  I used to have a bunch, but I got rid of the final five cards three years ago.  I don't like store cards.  My general purpose bank cards are far superior credit products.

---

@M_Smart007 wrote: 5% store cards are horrible.

---

---

@Red1Blue wrote:I thought we get special discounts when using the store cards at their stores. Is it not true ?

---

To be fair, I am in the same boat. I don't like store cards. I much prefer co-branded credit cards. I use my Amazon Visa exclusively on Amazon, the same 5%, but still like the fact that it still has more flexibility than their store card version (which can be superior in my book as well).

Aside from a few stores like Amazon (which usually has a co-branded version of the card), I personally do not need brand loyalty to get their store card. I like shopping for competitors which are possibly cheaper than the 5% discounted item.

[Anonymous]

---

@staticvoidmain wrote:

---

@UpperNwGuy wrote:

None.  I used to have a bunch, but I got rid of the final five cards three years ago.  I don't like store cards.  My general purpose bank cards are far superior credit products.

---

@M_Smart007 wrote: 5% store cards are horrible.

---

---

@Red1Blue wrote:I thought we get special discounts when using the store cards at their stores. Is it not true ?

---

To be fair, I am in the same boat. I don't like store cards. I much prefer co-branded credit cards. I use my Amazon Visa exclusively on Amazon, the same 5%, but still like the fact that it still has more flexibility than their store card version (which can be superior in my book as well).

Aside from a few stores like Amazon (which usually has a co-branded version of the card), I personally do not need brand loyalty to get their store card. I like shopping for competitors which are possibly cheaper than the 5% discounted item.

---

Agree. Sometimes the 5% discount can be beat easily.  As long as it doesn't take much effort to find it. Sometimes the 5% is the best bet. That's where the store card comes into play.

[Doodlebug30]

I have the best buy Citi card & I love it. Financing options & rewards. Right now is5% back on groceries so if you shop at best buy alot it's worth it. You get your rewards in the form of best buy rewards certificates.