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Frequent shoppers of the Gap, Old Navy, Banana Republic and Piperlime will benefit from having a GAP Store Card. I appreciate all the rewards and offers I receive as a member. The point system is an excellent way to rack up some extra cash to spend at these stores. Stack deals to get the best prices on your purchases. The interest rate is pretty typical for a store credit card (a bit high), so be sure to always pay off your balance in full. I have received over $100 back using my card and paid zero in interest.
The Lowe's Store Card is an excellent option for frequent shoppers at these types of stores. Earning 5% cash back can really add up, especially at a home improvement store such as Lowes. By comparison, the Home Depot card does not offer cash rewards. Or the 0% intro rate is a nice perk if you need to finance a more expensive project that has come up. No annual fee is a huge plus. The interest rate is pretty average for a store credit card. This is a great way to earn money back on all the home improvement projects that you take on!
If you have really bad credit the First PREMIER Bank Credit Card is still a horrible option. The annual fee is quite undesirable and the interest rate is absolutely ridiculous. And then there are monthly fees on top of that. And a $95 processing fee. You can do much better. For example the Merrick Bank Secured Credit Card is for bad credit and has an annual fee the first year, but not after that. And the interest rate is much better.
The Belk Store Card is an alright credit card for those who frequent the store. There is no annual fee and an okay points system. You get $10 for each 400 points you earn, which is $400 or less depending on if you get bonus points. This is alright, but not super great. For comparison, the JC Penny card rewards you with $10 per $100 spent, which is much better overall. The initial 15% discount is a perk. The interest rate is mediocre for a store card.
Blue Cash Everyday Card from American Express is my very favorite credit card. I love earning 5% back on gas, groceries, and drugstores once I have met the required threshold of spending for the year. I use my credit card for everything I can so I earn a nice chunk of change each year. I love being able to use the card at Costco, and American Express's customer service is unrivaled.
If you are a frequent traveler who likes to stay in Hilton Hotels, the Hilton Credit Card just might be the card for you! The initial bonus of 40,000 points is a huge perk and you'll be racking up more points in no time. The interest rate is actually pretty decent for this kind of card, 15.24% - 19.24%, with rates similar to some cashback cards, such as the American Express Blue Cash Card. The no annual fee makes this a no brainer for Hilton lovers.
The American Express Gold Card is a good option, especially for those who travel a lot. The discounts and low rates at hotels would be quite convenient for a savvy traveler. American Express has excellent customer service, which is a huge perk in the credit card industry. The annual fee of $125 is a big negative. If you are going to offset that amount substantially by the amount you earn in rewards, then by all means, choose this card. But there are other American Express cards that have no annual fee. The American Express Blue Cash card has rewards, no annual fee, and of course no interest charges when you pay off your balance in full each month.
The Wells Fargo Rewards Credit Card is an okay rewards card when compared to other options on the market. The 6 month intro rate of 5 points back per dollar is a nice perk, but obviously not permanent. The 12 month 0% interest rate is probably one of the biggest advantages to this card right now. And then the regular rate of 12.15% - 25.99% is really decent compared to other cards. The redeem limit is not capped, which is also a plus! However, there are other rewards cards that might offer more bang for you buck long-term. The American Express Blue Cash card offers 5% on grocery, gas, and drugstore purchases once you have met the annual threshold.
This is an excellent option for those looking for a prepaid debit card. American Express has excellent customer service, and this most definitely extends to the American Express Prepaid Card. There are no activation or monthly fees - keep your money in your pocket. Many other prepaid cards, such as the Magic Prepaid Mastercard, come with a monthly fee. There are multiple options when it comes to making deposits to your card, which is highly convenient. The biggest downside is the limit of making one free ATM withdrawal per calendar month, and any additional withdrawals will be accompanied by a $2 fee. Shop with the confidence that if your card is lost or stolen, you won't be accountable for the fraudulent charges, just like with American Express credit cards such as the American Express Blue Cash Card.
The Valero Gas Card is a decent option if you spend a good chunk on fuel. 30 cents back per gallon can really add up, and is better than the terms of non-gas credits cards, that may offer up to 5%. The interest rate is asinine though. A max rate of 27.24%? No thanks. If you are going to pay your bill in full every month then this card might work out just fine for you. Otherwise the amount you are paying in interest will exceed the cash back you are earning. It also appears that the cash back terms are valid for just the first 30 months, so be aware of that. If you are looking for a card that still offers cash back on gas but has a lower interest rate, check out a non-gas card, such as American Express. I get 5% back with my blue cash card once I've reached the spending threshold each year, which happens quickly. And the interest rate is much lower.
The Brooks Brothers credit card is a convenient option for those who frequent the store and are looking to rack up some rewards with their shopping. It's nice that the card can be used outside Brooks Brothers and you will still earn points, although not nearly as many. The initial bonus isn't anything to scoff at at 15% off your first purchase. The $20 birthday gift is a really nice incentive! Not all store cards offer that sort of annual discount. And depending on how good your credit is, you can actually qualify for a decent interest rate (as low as 14.24%)! This is a low rate compared to most store cards. If you aren't going to be using the card at Brooks Brothers a ton though, I would suggest you look at alternative rewards cards. American Express Blue Cash is a nice alternative, as well as some Discover cards.
The TJX credit card is an excellent option for budget savvy shoppers who frequent Marshalls, T.J. Maxx and Homegoods. You can stretch your money even further with the point rewards system and 10% initial bonus. You can conveniently use the card outside this chain of stores and still earn points, which is a huge plus. And Mastercard is widely accepted, another bonus. The interest rate is pretty atrocious though at 26.99%, so pay off your charges each month, or opt for a credit card with a lower rate. American Express is a good alternative. If you don't plan to use the card primarily at Marshalls, T.J. Maxx and Homegoods, then you can do better as far as rewards go (AMEX)!
The Victoria's Secret credit card is a good option for those seeking a first-time credit card and frequent shoppers of the store. The initial $15 bonus is enticing, as well as the birthday gift offer. If you like coupons and finding good deals, the promotional offers for signing up might be worth it all on their own! It's nice that the card offers rewards points and dollar discounts once you have accumulated enough points. However, the points offered are not as high as with some other store cards, such as Old Navy. The interest rate is also a bit high, but that is the case for most store cards. If you are looking for a lower interest rate, you should consider a more traditional credit card, such as American Express.