Are Department-Store Credit Cards Worth It?

Published August 17, 2017 Markets

Department-store credit cards have their perks. Many have fantastic rewards programs and excellent financing offers. However, department-store cards tend to have sky-high interest rates, and deferred-interest financing can be dangerous. Before you apply for a credit card at your favorite department store, here's a rundown of the pros and cons.

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Many department-store credit cards are issued in partnership with one of the major payment processors (Visa, MasterCard, American Express, Discover) and can be used anywhere. These are known as co-branded credit cards. On the other hand, some are only usable in the store itself. These are also known as private-label credit cards.

The main reasons to consider a department store's credit card

There are two main advantages that often apply to store credit cards.

The first is rewards. Department-store credit cards often issue rewards on purchases in the store at reward rates that are simply better than anything a traditional credit card offers. For example, one of my department-store credit cards offers 6% back in rewards on every purchase in the store or on its website and regularly has 10% rewards "bonus9quot; offers.

The second main advantage with department-store credit cards is the deferred-interest offers, especially when making large purchases. The same store credit card I just referred to offers deferred interest offers as long as 60 months on large purchases. In other words, if you pay the purchase off in full within the 0% APR period, you'll pay no interest at all. Deferred interest deals have their drawbacks, which I'll discuss in a moment, but when used properly, they can be a major perk.

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A high interest rate can be a big drawback

While there are exceptions, department-store credit cards tend to have higher ongoing interest rates than other credit card products. As a personal example, I have two department-store credit card accounts, one of which is a Visa card and one of which is strictly a store credit card. As of this writing, both have interest rates of 25.49%, far above the national average for credit cards, which is about 15%. Store credit cards with interest rates close to 30% are not uncommon.

The point is that even though department-store credit cards can have some of the most attractive rewards programs and financing offers on the market, if you're paying an extremely high interest rate on a carried balance, it can easily offset any value you're getting from the perks.

A problem with those "no interest" financing offers

Another caveat with department-store credit cards is that when you take advantage of a no-interest financing offer, you may need to pay the entire balance in full before the 0% APR period runs out, or else get hit with a massive deferred-interest charge.

With standard credit cards that offer 0% intro APRs, the interest doesn't start until the promotional period expires. For example, if you transfer a $5,000 credit card balance to a new card with a 0% intro APR for 12 billing cycles and only pay the balance down to $3,000 before the end of the introductory period, the interest will simply begin to accumulate on the remaining balance starting with the 13th billing cycle.

On the other hand, let's say a department-store credit card offers interest-free financing for 24 months on purchases over $999, as one of my cards is offering now. In this case, the interest starts to accumulate from day one, but as long as you pay the entire balance off by the end of the introductory period, you won't have to pay it. If the 24-month period ends, and there is even one dollar remaining, you'll have to pay all of the interest that would have been assessed during the 24-month "interest-free9quot; period, which could be hundreds of dollars.

This is known as deferred-interest financing, and I've had friends learn what it means the hard way.

The point is that if you take advantage of a department store card's offer of interest-free financing, be sure to find out if you're responsible for paying deferred interest at the end of the introductory period. If you are, be prepared to pay off the entire balance during the no-interest period, not just the minimum payments.

Alternatives to department-store credit cards

There are advantages and disadvantages to department-store credit cards, so they're not the right type of credit card for everyone.

Alternatively, if you plan to carry a balance on your card, you're probably better off with a lower-interest credit card. Or, a cash-back rewards card could allow you to earn rewards (and redeem them) wherever you want, not just at one specific store.

In addition, if you want to finance a large purchase but aren't sure you'll be able to pay it off in full during a deferred-interest period, a card with a good 0% intro APR offer could be the way to go. Some of these cards also have generous introductory bonuses and rewards as well.

So, are department-store credit cards worth it?

Generally speaking, if you're going to carry a balance (aside from during a deferred-interest period), it's really not worth getting a department-store credit card. These cards tend to have interest rates that simply aren't competitive with standard credit card products.

However, if you shop at a certain store frequently and its credit card offers a great rewards program, and you don't carry a balance, or you want to take advantage of a deferred-interest offer, and know you'll pay the balance off within the promotional period, a department-store credit card could be a smart idea.

5 Simple Tips to Skyrocket Your Credit Score Over 800!

Matthew Frankel owns shares of American Express. The Motley Fool owns shares of and recommends Mastercard and Visa. The Motley Fool recommends American Express. The Motley Fool has a disclosure policy.


How to Apply for Department Store Credit Cards

When making a purchase at a department store, it's rare when the cashier doesn't ask if you would like to open a credit card for that retailer. Nearly every major department store has its own credit card program, offering customers perks for spending money. While the exact process varies from store to store, opening a department store credit card generally follows the same steps.

If you're having trouble deciding on which credit card to open, third-party websites such as CardHub compare the different choices, providing annual percentage rates and card features.

Many department stores have two versions of their store credit card--a store-only card and a co-branded card. Nordstrom, for example, offers the Nordstrom retail card, which you can only use in store, and a co-branded Nordstrom Visa Signature, good wherever Visa is accepted.

According to DebtSmart, if you have poor credit, the general store card may be a good fit because those cards generally have lower income and credit requirements.

Most retailers allow you to apply for a card in the store through the customer service desk or a cashier. Depending on the department store, you may also be able to apply online via the store's website. Several department stores also allow you to apply over the phone by calling that store's customer service number.

Depending on the department store, if you fill out and turn in the application that day, you can use your new credit card immediately. Online applications may also provide additional savings to use that day. JCPenney, for example, gives customers 15 percent off their first purchase and free shipping for online orders.

Each credit card application is a little different, but most ask for the same basic information including:

  • Personal information including name, address, phone number and email address

You must be 18 years old and a United States citizen to open a department store credit card.

If you meet the income and credit requirements for that particular card, you may receive immediate approval, whether you apply in the store or online. If you do not get an immediate approval or denial, typically you'll hear from the company in three to seven days through the mail.


Department Store Credit Cards Instant Approval

Your favorite department stores offer department store credit cards instant approval. When you go to make a purchase, after you have checked out at the register, you will be asked by the cashier if you are interested in applying for the credit card of the store.

The process of application

When you are applying for the department store credit cards, the cashier will take your social security number, you’re driving license, after this you will come to know if you are approved of the credit card of that department store. In case you have been approved, you will get a percentage off from the purchases you have made. The card will come in your mail. If you are approved on the same day, you will get a shopping pass along with your new number on it to purchase from the store, if you are eager to shop for more. However, this privilege is only for one day. You have to wait to receive your credit card via mail. You must check with the store how their system of instant approval functions.

Do significant research

You have to do an extensive research and get the card that will be the most useful for you. Do not apply everywhere. Apply for that card that will offer you maximum benefits. Use your card responsibly.

Delay in processing of card

If your card approval is being delayed, there is no need to become tense. Simply fill in the department store credit cards instant approval form. These credit cards are usually approved easily. These cards are best for the beginners in the credit card front. In the meantime the other credit card will be processed and you will receive that too.

Advantages of the department store credit cards instant approval

The instant approval is a convenient method to build credit for yourself. Credit is important as it helps you out while building a house, for son’s education, and you can also retire happy and contented.

Tip to follow while applying for department store credit cards instant approval:

• Do not get excited about the whole issue. Select only one card to begin with. See what the application process is all about. If you start accepting offers from several credit card companies that comes in your mail. There is a risk of damaging credit.

• Department store credit cards instant approval is easier to get than the standard credit cards. These are trainer cards. They will guide you to make payments on time and also to accumulate credit.

• You should pay your bills on time. You can keep carryover debts on your department stores card. This will show the credit agencies that you can repay debts. However, building debts on day to day items like gasoline, food does not speak well of the card holder.

• Avoid becoming late with payments. Pay the bills on time. If you delay payment you will incur a bad name with the credit card agencies.

You should take your time to get the best deal on department store credit card instant approval. Once you have tried one card, wait for some more months prior to applying for another one. If you do not need it, do not apply again.

Department Store Credit Cards With No Credit

If you have no credit, you can still apply for a retail credit card. You can try out the department store credit cards with no credit. Avoid applying for more than two cards at one go. There is no requirement for credit cards at all the department stores you shop at. Remember to be regular with your payments. Avoid charging more than what you can afford. This is perhaps the best way to get credit cards with no credit.

There are department store credit cards with no credit are being offered at the department stores. However, you have to think before opting for any one of these. As the holiday season approaches, department stores are waiting eagerly to offer you credit cards to assist you with the purchases. It is a very tempting offer especially in the festive season.

Advantages and disadvantages of department stores credit cards with no credit:

The department stores love to draw your attention to these credit cards offered by them. However, be sure of what are the offers before signing for one. It is relatively simple to get entwined in debt burden with such cards. The interest rates charged by these cards are very high.

Some individuals are of the opinion that these department store credit cards with no credit offer interest credit for free. Check and recheck the documents carefully and understand the offers and deals carefully.

It is difficult for people to resist shopping for gifts, jewelry, food items. The department stores help you purchase an expensive gift by making you open an account at the store that will make you eligible for discounts despite having no credit.

There are certain advantages of these department store credit cards with no credit

• These credit cards at the department stores are easy to procure as the rules are not as stringent as the major cards.

• You can establish a reasonably good credit history as there are no limits.

• If you are unable to buy bigger items like furniture, appliances, these store cards will permit you to do financing of a special nature with no interest on monthly installments.

• You can reap the benefits of the special store offerings when they offer discounts and also events that are targeted towards individuals with credit cards. Shoppers with these department store credit cards will get rewards as points on each and every purchase they make.

Let us scrutinize the disadvantages:

• As you sign up for these department store credit cards with no credit, you will be able to get an open line of credit. This can have a disastrous effect on your future credit history.

• The fees and interest charged are extremely high as compared to other credit cards.

• If you are not regular with payments, you can damage credit scores that will eventually lead to bankruptcy.

Advantages and disadvantages of having department store credit cards with no credit go hand in hand. You must make all payments on time. Avoid opening many lines of credit to enjoy perks and discounts. Always go through the fine prints. Do not damage your credit history for bigger purchases like a home in your future.

Department Store Credit Cards Easy To Get

The department store credit cards easy to get is extremely beneficial as the interest is generally low. You can also get rewards on using these cards. Buy you should always keep in mind that there exists a line of credit and you will have to repay them.

Do not get carried away

Never blow your line of credit in one shopping trip. It will be difficult to pay off, if you do so. You will have to wait to get a hike in your credit availability. Avoid going overboard in applying for department store credit cards easy to get ones. Your credit score will go down if you have too many lines of credit. With a low credit score, you cannot buy a new car, home and several other things you require.

Make payments on time

You should make your payments timely. This will be possible only if you do not overspend. Do not charge much more than you can afford to quickly repay.

Advantages of department store credit cards easy to get

This card will help you increase your credit score. You have to prove that you are responsible. You might never ever get such a chance again. Credit cards come in different styles, varied cost structures, credit limits and also rewards associated with every card. Owing to this variety, there is a card for everyone. You have to do extensive research prior ton applying for a card. If you happen to apply for the wrong card, you will pay more in interest and fees .You might miss out on the rewards also.

Why are these cards easy to get?

The department store credit cards have some distinctive features that demarcate it from the other cards. This card could be the ideal one for you. They are easily approved. They overlook the credit history of the applicant. So the acceptance is easier. There is a reason why they do so. They charge higher rates of interest and annual fee than other cards. So they are open to all people. However, even with a higher rate of interest and annual fees, the department stores offer rewards and discounts to the cardholders. Department stores give you reward points whenever you use it. These points can be cashed to buy items from the store. There are flat discounts on all purchases made in the store for the cardholders.

If you can manage your department store credit card easy to get properly , say, paying the bills on time. You will be able to make most of the discounts, minus the interest charges. The discount is the main attraction of this card. It is best to get credit cards from a department store where you shop frequently. You should be sure that the discount offered on your shopping is more than the annual fee that is charged. This way you can really benefit from such department stores easy to get cards.

Department Store Credit Cards For Bad Credit

There are several department stores that offer department stores credit cards for bad credit. This way you can start building a credit score for the first time. These cards are offered by the retail stores and are applicable to all purchases made at that store. These cards are usually accompanied with numerous benefits especially an improvement in your credit score.

It is fact that these department stores credit cards for bad credit are approved easily and it is much easier to get them than the traditional credit cards. These functions the same way as traditional credit cards, but they can be used only in that particular store. The second type is given to individuals with bad credit. This is an opportunity to the cardholders to improve their credit ratings.

Interest levied as in other cards

Department store credit cards for bad credit will charge interest when you miss out on the payments or fail to pay off the entire balance. Always make all payments on time as interest rates charged can be quite high. Paying on time will ensure that you will be able to manage the payments and improve your score fast.

Advantages and disadvantages of such department credit cards for bad credit:

• Avoid buying things from the department stores unnecessarily or simply because you have credit. The card entails special discounts, rewards and many special offers. You should aim at making your payments on time and also to rebuild your score.

• A good credit score is vital in your financial life. Your low credit score will make it impossible for you to get a loan or access to credit. If you want a credit card with bad credit, you have to really work hard to get a lender who will approve your application.

• If you want to get approval for a loan application, you have to improve credit ratings. You have to pay off debt or reduce it whenever a chance comes. This will lower your debt. And this is turn will improve the credit score. This improvement will increase your chances of getting a credit approval.

• If you are eager to get credit approval, then you can apply for a departments store cards for bad credit. The criteria are not that stringent and these offer competitive rates. After getting approval for a card, you can improve your credit score gradually. Regularity in payment will help you improve your credit score.

Department stores credit cards for bad credit, is easy to get. However, you have to pay the bills regularly to earn good credit score and also get approved for other loans. Do not overspend as you have credit in your card. Buy only the necessary items. Do not over indulge in luxury items. Always remember that you have to pay bills on time to earn credibility in the financial sector. The interest rates are high, so be careful about paying the bills.

A brief introduction

The department store credit card is like your normal credit card but is entitled for use at a particular shop or a store. The added benefit is the fact it offers discounts on the purchases made in that particular store to which the card is entitled to. The more you shop the more you can reap benefits from your department store credit card. There are point’s added that when amalgamated, help you get great discounts. Even though, there are high interest rates and the time in which you have to repay the money is also pretty tightly limited, these cards are extremely popular, with the responsible shopper.

Why you may need a magic card…

It might not be easy to secure a credit card in this horribly bad economic situation, but the easiest way to a credit card is this department store credit card. All you need is to conduct your research properly, and get a department store credit card. That not only allows you great discounts, but also helps you get things that you have been eyeing for long. This card also comes really handy, if you are a frequent or a regular customer at that particular store, to which your card belongs, then it can be really helpful. A regular customer means that the store definitely has products that you like. If you have a store credit card then you can get the things at a discounted amount, with the added benefit of buying things on credit. There are also a host of other benefits for a store credit card holder, like free parking, or alterations or you can also get an article gift wrapped for free. What more can you ask for?

How is it helpful?

The department store card is your easiest way to save if you are buying loads of things together, say in bulk. Things like your grocery or even furniture. All you need is the department store credit card and save up to twenty percent on the retail price. When buying things in bulk, a twenty percent discount can mean heaven in this dull economy. It is an offer you cannot afford to miss. Grab it and see the wonders for yourself.

Be wise to reap great benefits

A department store credit card sometimes takes you to the seventh heaven, when they give you interest free financing. The interest free financing is a miracle, and gives a boost to your purchase capacity. You can buy things and have your interest not charged at all, helping you with easy payment of the loans. All in all the store credit card is a much safer option than a real credit card. It offers discounts that are hard to miss, gives perks that are difficult to say no to. The store credit card is your best friend for shopping in this ugly economy. But like everything else in life, a proper and thorough check should be done before getting a store credit card. You should be well aware of how much you can buy; remember it is credit and not a gift card. So, credit wisely to be happy.


Demerits of the Discover it®- 18 Month Balance Transfer Offer

The doubled cash back in the first year makes this card difficult to top. I will gladly go for this card because I really want to reduce my fuel spending; I will advise that one pairs this with the Chase Freedom ® so one can have two quarters per year earning higher rewards on gas.

BEST FOR CASH BACK

Blue Cash Preferred® Card from American Express

Merits of the Blue Cash Preferred® Card from American Express

  • The offer an unlimited 3% back on gas station purchases all year round.
  • Unlike Chase freedom and Discover it, bonuses are automated, keeping tract is not necessary.
  • They give 6% cash back at grocery stores on up to $6,000 in spending per 12 months. That’s a whopping $500 per month in spending.

Demerits of the Blue Cash Preferred® Card from American Express

  • Blue Cash Everyday® Card from American Express offers an annual fee of $0 but have lower rewards $2 at gas stations larger families will settle to earn only 1% as there’s a possibility of spending cap on grocery rewards.
  • Not internationally accepted because American Express isn’t as widely accepted as Visa or MasterCard.

If I find myself in the categories of people that spend a lot on gas, this card’s rewards structure is unusually generous for me. I especially like that it’s unlimited, so even if I’m a salesperson with a multi-state territory or if I’m dating someone in the next time zone, I’ll be able to fill my tank all year long without getting bumped down to a lower rewards rate.

If I drive a lot, the annual fee may be worth it. If not, consider the Blue Cash Everyday® Card from American Express or one of the bonus category cards instead.

BEST CREDIT UNION GAS CARD

Merits of the PenFed Platinum Rewards Visa Signature® Card

  • Annual fee is $0.
  • PenFed points are valued at a 1 cent each, so earning 5 points per dollar on gas purchases effectively means earning 5% back on gas.
  • Spend without limit on gas at the 5 points per dollar rewards rate.

Demerits of the PenFed Platinum Rewards Visa Signature® Card

  • You must have excellent credit to qualify for this card.
  • Can’t sign up without being a member of PenFed Credit Union. You can become a member by:
    • Be a member of the United States military
    • Be an employee of the United States government or other qualifying organization
    • Be an employee of or belong to a qualifying organization or association
    • Live or work at an eligible location
    • Be a relative or housemate to someone who is eligible
    • Make a one-time donation to Voices for America’s Troops ($14) or the National Military Family Association ($15).
  • PenFed points expire after 5 years, and redemption options are somewhat limited.
  • PenFed made it clear that the higher rewards rate is for gas purchases made at the pump, so gas station convenience store purchases are excluded.

Earning 5% back on gas all year, with no limit, is pretty appealing. That’s why the PenFed Platinum Rewards Visa Signature® Card makes this list, in spite of the inconvenience of joining the credit union and the fact that applicants without excellent credit may be turned away.

I will definitely consider this card if I drive a lot and don’t mind the hassle of redeeming for gift cards instead of cash, this card will put the highest rewards back in my pocket after I fill my tank.

The best department store credit cards

Easy Store Credit Cards you can get Approved for

So What are the “Easy Store Credit Cards you can get Approved for”?

As for store credit cards their are easy cards you can get approved for and not so easy to get store cards. Most cards that are more easy to get approved for follow the same rules as major credit cards.

So you want to know how to find out and what to look for when learning about the best store card for you to get approved for?

For example, the standard American Express cards are harder to get approved for as are a store card that is affiliated with Amex. When applying for a store credit card do some research and find out what card company it is affiliated with.

An important tip would be to simply look at the store credit card image logo on the card. It most often will show who the card is affiliated with. Now if the store card does not show its face too easily then you might have to read the disclosure. Look for the banks that issue a credit card on behalf of the store you are interested in applying for. Then do a search on the bank, see if the individual bank is a type of bank that is hard to get approved for. Look for user posts and messages that will give you any clues. Typically you would like to look for subprime banks like Fifth Third or Capital One bank and Santander that are more well known for easier approval thresholds.

Learn about a store return policy for a particular department store. See what the rules are when you would like to return an item. Find out where to mail your returning items you have purchased and contact customer service to check on your return. See all store return policies in the store directory at StoreReturnPolicy.com

Easy store credit cards you can get approved for.

So here we put together what we feel are the best and easiest store credit cards that can greater your chances to be approved and start enjoying your card.

Your JCPenney Credit Card offers customers best rewards such as earning rewards for every penny spent. Special birthday gifts. Special bonus points. Sales events and offers exclusively to cardmembers.

  • Walmart

    The Walmart credit card offers many card benefits. No annual fee. When using your card you save five cents per gallon at Walmart gas stations.

  • Kohls

    With your Kohls Card you can maximize your savings. Combine discounts with sale prices and offers.

    Your Sears Credit Card can be used at Sears, Kmart and Land’s End in-stores and online. You will receive monthly savings, valuable coupons and more.

  • Disney

    Use your disney credit card on everyday purchases and redeem points toward most everything Disney.

  • Target

    Charge at Target stores or at Target.com and save 5% on all purchases. No annual fee.

  • American Eagle

    Get 15% off the month of your birthday with an American Eagle credit card. Member only sales and events. Don’t miss it.

  • Apple Store

    Purchase an Apple Gift Card for any occasion. Depending on which Apple Gift Card you choose to give, they can be used for Apple products, accessories, music, movies, games, apps, and more.

  • Bloomingdale’s

    Earn 6 points per dollar in cosmetics and fragrances when you shop with your Bloomingdale’s card.

  • Victoria’s Secret

    Become an Angel and start enjoying card benefits. Earn $10 rewards for every 250 points earned. Exclusive savings for Victoria’s Secret card members.

  • Store Credit Cards and Department Store Cards

    Store Credit Cards and Department Store Cards

    The best department store credit cards

    Apply for a store credit card. Good credit, bad credit or no credit. If you like to shop, apply for a store credit card. It is easy to apply for any store card. Just click on your favorite store and apply online. Most store credit cards have a low apr and no annual fees.

    If you have no credit or bad credit and are having a difficult time getting approved, you should apply for secured credit cards.

    Having good credit will benefit you in the future. Paying your bills on time and having a high credit score is crucial in maintaining good credit. Establishing credit should begin when you are young. Apply for credit cards and get a line of credit and keep in good standings. This will help you in the future.

    Store Credit Cards are easy to apply for. There are many stores to choose from including Macys, Sears, JCPenny, Boscovs, Lord and Taylor, Nordstrom, Neiman Marcus and more.

    When applying for credit cards try to find credit cards with no annual fees and low interest rates. Explore all credit card offers and find the right one for you.

    The best department store credit cards

    Your JCPenney Credit Card offers customers best rewards such as earning rewards for every penny spent. Special birthday gifts. Special bonus points. Sales events and offers exclusively to cardmembers.

  • Walmart

    The Walmart credit card offers many card benefits. No annual fee. When using your card you save five cents per gallon at Walmart gas stations.

  • Kohls

    With your Kohls Card you can maximize your savings. Combine discounts with sale prices and offers.

    Your Sears Credit Card can be used ast Sears, Kmart and Land’s End in-stores and online. You will receive monthly savings, valuable coupons and more.

  • Disney

    Use your disney credit card on everyday purchases and redeem points toward most everything Disney.

  • Target

    Charge at Target stores or at Target.com and save 5% on all purchases. No annual fee.

  • American Eagle

    Get 15% off the month of your birthday with an American Eagle credit card. Member only sales and events. Don’t miss it.

  • Apple Store

    Purchase an Apple Gift Card for any occasion. Depending on which Apple Gift Card you choose to give, they can be used for Apple products, accessories, music, movies, games, apps, and more.

  • Bloomingdale’s

    Earn 6 points per dollar in cosmetics and fragrances when you shop with your Bloomingdale’s card.

  • Victoria’s Secret

    Become an Angel and start enjoying card benefits. Earn $10 rewards for every 250 points earned. Exclusive savings for Victoria’s Secret cardmembers.

  • How do I apply for a credit card?

    A little planning can go a long way to make sure that you don’t only apply for a credit card, but also get approved for it. Applying for too many credit cards simultaneously is going to get adversely reflected on your credit score and that is the reason why this may not be the best way to go about it. When you apply, make sure that you plan it in a way so that your APR is low and the terms are suitable for you. There are some factors that you cannot change, for example, if you filed for bankruptcy or have many missed payments in your credit history. Here are tips that will help you apply for a credit card with a high chance of getting approved.

    BEST STORE CREDIT CARD REWARD PROGRAMS

    If you shop a lot at a favorite departmental store, then getting a store credit card might seem like a good decision. May be it is and maybe it is not. It depends on how you see it. However, to start out, we bring to you some of the credit card rewards programs that are being offered at the moment by popular stores in the United States.

    Popular Store Credit Cards

    • American Eagle Visa: With 4% in-store rewards and perks that include a 10% off birthday coupon and 15% off on your first purchase, this is as good as they come. The base reward rate is 1%.
    • Apple: The Apple card fetches you 2% in in-store rewards. You get 10% off on your 2 nd purchase at the store.
    • Best Buy Reward Zone MasterCard: Enjoy 4% in-store rewards and after you make your first purchase, you will get a $25 gift coupon to use at the store.
    • Bloomingdales AmEx: This card gives you 1.5% in in-store purchases and double points on fragrances and perfumes. When you buy 5 shoes from here, you get the 6 th one at 25% off.

    Getting a store credit card just for the sake heck of it is not a good idea. You can see why that is so. The main problem with specific store cards is that you enjoy benefits only when you shop at the particular store. And if you are like most people, you don’t shop at only one store. There are some great credit cards out there and if you research well, you will be able to find something that gives you awesome benefits when you go shopping!

    For those who want to save on purchases made at their best retailers, store cards a boon for them. But all the time store cards might not always bring the best perks with them. Some of them are specifically tied up to particular retail shops while there are many that gets the card holders lucrative rewards programs. The safe deal is therefore to go with such cards. 2015 has some of the best store credit cards on offer available to those with credit ranging from average to excellent. Store credit cards not only helps in getting initial bonuses but also offer surprises like a 0% intro term or a discount on the first very purchase.

    Some of the worth considering best store credit cards rewards programs of this year are:

    Discover it– This store credit card offers 5% cash back on rotating charges and other discounts that comes through the Discover Deals. There is a 14 months 0% purchase and balance transfer APR. There is also a 5% cash back on all the rotating bonus categories. There is no annual fee and foreign transaction fee.

    Blue Cash from American Express – Is a favorite for many typically because of the generous rewards it earns the credit holder. An unlimited 2% rewards across all department stores is hard to resist that this store credit card earns. The card offers 6% back on groceries, 3% at gas stations and department stores.

    Chase Freedom– Compared to others in the list, this store credit card is everyone’s first choice. There are a lot of bonus to avail throughout the entire years. For example, the first quarter earns bonus at Starbucks, grocery stores and movie theaters. The second quarter at restaurants, the third quarter at gas stations and the last quarter at Amazon.com. Outside these categories, the card holders earn 1% back.

    Walmart® Business Store Card- With a variable APR of 14.8%, one gets to enjoy low Walmart prices.

    TJX Store Card– With a variable APR of 26.99%, the card holder gets to enjoy special shopping hours.

    Stage Stores Credit Card– Earn a $10 Payback Reward for every $250 spend. Plus, there is a variable APR of 24.99%.

    Amazon.com Store Card – This store card earns 0% for 6 to 24 months and a variable APR of 25.99% after that. The credit card earns 6 months financing on any purchase made that totals up to $149 or more. The card holder gets 12 month financing on a purchase totaling to $599 or more.

    Sony Store Card – The Sony Store Card has APR of 0% for 6-36 months with a variable APR of 29.99% onwards. There is a special financing available on purchases of $199 or more. Valid throughout June, there is a 12 months special financing that is valid on purchases of $499 or more.

    Carson’s Credit Card– Earn a $20 Rewards Card after spending $200. The $20 Rewards Card can be used for any purchase that is above $50 or more. Plus. There is no APR.

    American Eagle Outfitters Store Card– This store credit card is simple. There is no annual fee and the variable APR that is to be paid is 24.99%.

    Lowe’s Store Card– Earn 6 months special financing on a $299 minimum purchase. Plus, the APR is 0% for 6 months and a variable APR of 24.99% after that.

    Walmart® Store Card – Card holders can get 0% APR for 6 to 24 months and a variable APR of 22.9% after that. No interest would be levied promotional purchase if the card holder pays in full within 6 months of any purchase ranging between $150 to $2&8.99; 12 months on a purchase of $2&9-$428.99; 18 months on purchase of $429- $598.99 or 24 months on purchasing totaling over $599 and more. This offer is valid in-store only throughout the month of August, 2015.


    Effectiveness of a department store credit cards

    Credit cards are generally very important in everyday life as they offer you with the right chance to make different transactions and make your time great during transactions. With the changing economies, more people are embracing the use of different credit cards to make their business attainable. It is easy to work with the right companies if you are finding a good credit card especially department store credit cards.

    How to find good department store credit cards?

    Different companies are available in the market and when finding the best offers, you have to consider reviews and reputation of the company. A professional company can offer you the best opportunity as well as allowing you to manage your time in a better way. Since you are finding a competent source in the market, there are different providers who can give you a strong promise of finding the best offer in the market. Depending on the application process, you will find nice options and meet your goals easily.

    Some of the best cards are department store credit cards. These are useful cards in everyday business and if you are finding the best, you will have an engaging time with the available options. Before you apply for your card, it is good to look at the different offers and find the best that will meet your business needs easily. From a professional perspective, you may contact the right people who have been using the cards. This means that you look at the best offers in the market and determine the best card that can meet your needs. It is easy to get a reasonable cheap card from the online platforms.

    The best department store credit cards

    The application process can further be hard especially if you are not conversant with the application process. If you have to find the best offer, you need to work with the right people who can make your goals manageable. It is easy to work with the right professionals in the market. It is easy to work with professional providers who can promise you high quality services. This will allow you to make your application process captivating.

    How to apply for department store credit cards?

    Comprehensive information is important, as it will meet your goals as well as allowing you to have the best times by providing you with clear information on the uses of the card. Cards generally have different uses and for a captivating choice, you need to look at the available options very carefully. Due to the changing times, you have to work with reputable sources in the market. You can consider the application of a department store credit card for a nice experience.

    Further, there is an easy approval department store credit card and you will not have to hassle waiting for approval after successful application. Application process is very crucial and you have to look at the different offers in the market. To establish the best professional card, you need to go to different card provider who can give you a chance of getting the best cards.

    You can use the department store credit cards in many ways. It has many benefits and you will make your time great using the card.