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I have the Express Credit Card and I am pretty disappointed in it. If you are going to shop at the store anyways, this is a good card to have but make sure you pay your bill on time. Their website to enroll my card was not very user friendly, and my first payment was not processed - their fees are pretty high. The interest rate is comparable to other store cards, but at least the Express Card has rewards that slightly offset the high interest rate. I got 300 reward points for spending $20, so I guess I am on my way to my first reward. I am very interested in seeing what the "birthday gift" will be when the time comes.
I love using my Target card to make purchases. The interest is high, however it is comparable to other store cards. But what this store card offers that others don't - it gives a 5% discount when you use the card, it gives you rewards, as well as free shipping when you order online. These are greater benefits than any other store card I have had! The only reason I did not give 5 starts was because it was a hassle when their computers were hacked and I have some concerns about how secure they store their information. Overall, it is a great card with excellent benefits!
I got this card because I had some home improvements I wanted to tackle, and they were offering 0% interest for the first 6 months. I love it! We were able to purchase everything we needed since I was approved for the card, when otherwise we were only going to do a little at a time. The interest rate after the promotion ends is pretty steep, but I plan on having it paid off before then. I also like that they have a reward program, where you earn 5% back in rewards.
I love the store, and I am so glad I was approved for the VS card! I shop in their store and online all the time, and now I am able to earn rewards for my spending! I love that I get double the rewards on bra purchases, which helped me become an Angel Forever pretty quickly. Another cardholder perk is that I am able to access the Semi-Annual Sale early! Their website is user friendly, and they make it very easy to manage your bill online. The interest rate is pretty high compared to other store cards, but I just make sure to pay it off each month.
I was just approved for my card, and the one thing that I love about this card that you don't see to often is that you can use it at other "sister" stores. I can shop at GAP for myself, head over to Banana Republic for my daughter, and then to Old Navy for my husband and son, and use the same card for each store! The interest is a little high for a store card, however you are immediately given 15% of your purchase when you are approved. On top of that there are other card benefits like you earn points on your purchases and you are notified of offers exclusive to cardholders. Their website is user friendly to manage and pay bills, and I am sent an email reminder in case I forget to pay.
Although the rate they allow you to earn points is relatively high compared to some cards, I prefer earning cash rather than points. The travel benefits are a huge bonus, but the annual fee is a huge turnoff for me. I will stick to my cash rewards card. I don't see an APR anywhere, I am curious how they compare to other cards.