Your most useful RETAIL/STORE CARDS??? (Non-MC/Visa/Amex/D)

[Adkins]

Costco Card, Amazon (Chase or Synchrony - have both) and Target. Walmart is on the fridge since it's only a store card and I have to order online to get the 5% credit. I keep my Discount Tire card for purchasing tires only, so it gets heavy use every two years or so. Lowe's is useful but used for big purchases usually. 

[Adkins]

I forgot about Kohl's. Very useful when I need new clothes for the tiny humans. The majority of my store cards are useful because I wouldn't have gotten them otherwise.

My useless ones right now are Sam's club  and Overstock, for different reasons. 

[ptatohed]

I wonder if we should define store card?  Is a Visa or MasterCard still a 'store card'?  Anyway, love my Chase Amazon (5% back (10% gas this quarter)), Target Red Card (5% off), WalMart Cap 1 (5% back), Lowe's (5% off), and - not sure if this counts as a store card, lol - my citi / Sears Shop Your Way (3%, 5% back, ongoing monthly statement credit offers).  

[wasCB14]

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@ptatohed wrote:

I wonder if we should define store card?  Is a Visa or MasterCard still a 'store card'?  Anyway, love my Chase Amazon (5% back (10% gas this quarter)), Target Red Card (5% off), WalMart Cap 1 (5% back), Lowe's (5% off), and - not sure if this counts as a store card, lol - my citi / Sears Shop Your Way (3%, 5% back, ongoing monthly statement credit offers).  

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Agreed, there's not really a clear definition.

In the days of Price Rewind and the like, I would use my Costco Visa card all over the place. Now with nerfs and the addition of some BofA cards, Costco's future is to just be a gas card.

I have my Lowes Business Ame AU card, and if I owned my home conventionally would probably have a Lowes store card instead. But I'm not likely to use it anywhere outside of the store.

And some V/MC products are managed by a retail banking division (like Citi Retail). When I had the Brooks Brothers card, I was happy to have the store-only version as I figured that limited the potential for fraudulent use.

[CashOutReFi]

Any retail card that has benefits beyond the intro period. 

For example, Lowe's (SYNC) offers special financing beyond intro APR period. I believe it was somewhere around 7-8% fixed for 84 months on orders $2000 or more. 

IKEA Projekt offers this as well. I think their promotion is interest free for 24 months. 

Just... give us SOMETHING that a Visa/MC network card can't or won't. And we'll sing praises. 

[mfinsmi1]

i honestly regret getting my target credit card.... save yourself the trouble and go for the debit card you get the same 5% cash back 

[FinStar]

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@DogwoodLynx wrote:

I understand that retail cards are very much a secondary thing (as opposed to regular bank cards). 

Do any of yall have any retail cards that are "worth it" and in your opinion what qualifies as "worth it"? 

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@DogwoodLynx - is your initial post in reference to closed-looped retail CCs that are not on a major [V/MC/D/AX] network or does that include products like the Costco Visa or PLCCs like Belk's MC, Williams Sonoma Visa, etc. In the context of "Retail Cards" the context can be interpreted very loosely.

[Remedios]

I'm betting left kidney and one liver lobe its about "store cards"  

[acreditdummy123]

amazon synch card

[Anonymous]

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@mfinsmi1 wrote:

i honestly regret getting my target credit card.... save yourself the trouble and go for the debit card you get the same 5% cash back 

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I have the debit card, but there are some caveats. 

a) no credit card protections (but not sure what they are on the target credit card now!)

b) make sure you link it to your non-main bank account, so any fraudulent use won't cause too much trouble.  (In theory, you will get fraudulent charges on a debit card restored, but unlike with a credit card, the money is gone until that happens)