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What is your best store card (discounts, rewards ect...)?

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masscredit
Valued Contributor
‎06-07-2015 08:42 AM
‎06-07-2015 08:42 AM

What is your best store card (discounts, rewards ect...)?

For me, it's definately my JC Penny card. I get some really good deals there and then combine those with rewards, bonus cash and everything else that they send over. It's extreamly rare that I pay full price for anything when I'm shopping there.  And with some creative planning, I can usually get 50-75% off my purchases. 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 1 of 16
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15 REPLIES 15
Anonymous
Not applicable
‎06-07-2015 08:44 AM
‎06-07-2015 08:44 AM

Re: What is your best store card (discounts, rewards ect...)?

For discounts and not necessarily rewards, Kohls is very good with deep deep discounts.

Message 2 of 16
Berk
Established Contributor
‎06-07-2015 09:39 AM
‎06-07-2015 09:39 AM

Re: What is your best store card (discounts, rewards ect...)?

Amazon with the 5% statement credit.

Message 3 of 16
Josh611
Regular Contributor
‎06-07-2015 09:54 AM
‎06-07-2015 09:54 AM

Re: What is your best store card (discounts, rewards ect...)?

My Kohl's charge is the only store card I have

 

Haven't seen a better one though

 

They always have good coupons for having one. Me working there helps as well lol

 

Right now, I get my 15% off associate discount, plus I can use 2, 20% off coupons as well. So I end up getting about 50% any sale price.

Current FICO Scores EQ 782,TU 755, EX 754

AMEX BCE $24k, Quicksilver $10k, Venture $13k, Sallie Mae Mastercard $8.3K Chase Freedom 5k, Discover IT $3.4k, Kohl's Charge $2.5k, Capital One Secured $801
Message 4 of 16
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Sharingan
Established Contributor
‎06-07-2015 10:03 AM
‎06-07-2015 10:03 AM

Re: What is your best store card (discounts, rewards ect...)?

Without a doubt, it has to be my Sam's Club MasterCard. 5% back at any gas station up to $6000 per year. That is better than what most regular bank cards offer for that category. Macy's is a close second with its many rewards certificates/coupons and available financing. Walmart MasterCard and JCP MasterCard are my least useful store cards. JCP can keep its 26.99% APR and sit in my folder indefinitely. Even if you don't revolve a balance, that kind of interest rate is insulting.



Message 5 of 16
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B335is
Moderator Emeritus
‎06-07-2015 10:09 AM
‎06-07-2015 10:09 AM

Re: What is your best store card (discounts, rewards ect...)?

I like Kohls because they'll take anything back on return, but I guess that isn't the cards' benefit. My Nordstrom has a low 10.9% APR which is nice. I probably use my Macy's card the most though.
Message 6 of 16
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revjamesl
Valued Contributor
‎06-07-2015 10:13 AM
‎06-07-2015 10:13 AM

Re: What is your best store card (discounts, rewards ect...)?

Congrats!
AMEX Platinum NPSL | Discover It $45.9k | Chase Sapphire Reserved $40.7k |Barclay Arrival+ WEMC $40k | PENFED Platinum Rewards VS $35k | Lowes $35k | BoA Better Balance Rewards $30k | AMEX EDP $25k | Cap 1 QS $23.25k | NASA Platinum $20k | Chase Freedom $15k | Synchrony Haverty's $16.5k | BBVA NBA Rockets AMEX $15k | FNBO AMEX $15k | Citi Diamond Preferred $10.7k | Best Buy $10k | Synchrony Rooms-to-Go $10k | US Bank Cash+ $7.5k | AMEX BCE $6k | Barclay Financing Visa 1k | |

AU on DW Accounts: Discover It $40k I AMEX BCE $30k | Chase Marriot $29.8k |

Credit Scores: 800 EQ/833 TU/831 EX
Message 7 of 16
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msbia
Established Contributor
‎06-07-2015 10:23 AM
‎06-07-2015 10:23 AM

Re: What is your best store card (discounts, rewards ect...)?

Definitely Lowe's. 5% off everyday, promotional items, special financing and I get a military discount. Also, with the great limit increases this card can't be beat. I shop at Lowe's way too much lol. Second is Amazon, bar none. 

Personal Credit? Check. Business Credit? Check.
Mission Accomplished.
Thanks MyFico!
Message 8 of 16
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Anonymous
Not applicable
‎06-07-2015 10:25 AM
‎06-07-2015 10:25 AM

Re: What is your best store card (discounts, rewards ect...)?

@revjamesl wrote:
Congrats!

Why congrats?  OP didn't get approved for anything...

Message 9 of 16
happypill
Valued Contributor
‎06-07-2015 09:15 PM
‎06-07-2015 09:15 PM

Re: What is your best store card (discounts, rewards ect...)?

Amazon Store Card.  5% on everything with no limits.  I buy pretty much everything on Amazon so its perfect for me.

Message 10 of 16
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