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This is a straight forward store card. It has a typical high rate of these types of cards at 25%. It doesn't have a fancy reward system or a lot of perks. What it does offer is a straight 5% off on all purchases when you use this card in the store. That alone makes the Lowe's Consumer Credit Card a very nice card. Considering the price of home improvement projects and the like, their 6 month special financing offer on purchases over $300 is also a nice addition to owning this card. The Home Depot card offers better interest deferment offers so that is something to consider when looking at a store card from one of these type of stores and you are intending on making big purchases, but the 5% off that this card offers makes it very competitive (and potentially more attractive depending on your situation). Overall, the Lowes store card is a nice, straight-forward card ,with no bells-and-whistles. The 5% savings is what makes it shine. This is a very nice card.
Like most store cards, people who are frequent or heavy shoppers of these stores really have the most to gain. The high rates store cards like this Victoria Secret store card offer are not very attractive unless you are someone, like my wife who spends a lot of money there each year any ways. As my wife has made it clear to me, it is quite easy to end up spending quite a bit of money on underwear and the like at the store she affectionately calls "Vicky's". This cards reward program allows you to get a $10 reward for 250 points earned. The ratio to earn points is 1 to $1 unless you buy (it is 2 to $1 spent on bras). This isn't a super amount of savings but, if you are like my wife, you can still rack up the savings when taking advantage of both point offers. Like with most cards, if you pay off your balance each month and enjoy the savings a rewards program may offer in the process you really can't go wrong. This is a decent card and one worth considering for VS shoppers based on their rewards program.
For those of us that have shopped for a store credit card before it comes as no surprise that these types of cards typically have very high rates. The Home Depot store card is no exception in this case with variable rates as high as 27%. To be fair they do also have a floor at just under 18% which is better than what most store cards offer. What makes this card stand out to me is the no interest offers on major purchases such as heating, air conditioning, appliances, and siding, etc. This could save home owners a substantial amount and for some this could provide a better option than going to the bank and asking for a home improvement loan. Outside of these deferred interest offers there is nothing else that really makes this card stand out: no rewards program, no instant rebates, etc. Still, for those who are looking to make some upgrades or repairs to their home could do quite well taking advantage of this card's deferred interest offer and that alone makes it an attractive card.
The Wells Fargo Rewards Card has fair rates, especially for those who qualify, with a floor of 12%. Still, if you aren't as fortunate as some you could be looking at a rate as high as 26% which is quite high and would send me looking elsewhere for a credit card. The real meat and potatoes of this card is the reward system and since I don't have a card with a great rewards plan I wanted to look further into this card. The first 6 months you can really stack up points earning 5 for every $1 spent at select stores. After that you drop to a 1 for $1 ratio. I went to the store to see what you can get for your points. They have, for example, a gift certificate to AMC (movie theaters) for $25 that costs 2250 points. Using this one example, I would have to spend $2,250 to be able to purchase a $25 gift card to the movie theater. That is a 0.01% return on your spending (which is pretty low compared to the savings you can get with other reward cards).An Acer 7" 8 GB tablet would cost a bit over 25,000 points (and would require you spending $25k on your credit card to rack up at the regular rate). To their credit they do have a wide number of interesting rewards and getting a reward is better than getting nothing. Still, reward rates like this are so low most it would take most people quite awhile to accumulate enough points to be able to redeem them for any decent items. There are some cards that offer instant savings on your purchase and I personally would rather have one of them than one that has a reward system such as this. If you just want it because you qualify for a decent rate and accumulating the points is just a nice bonus for you, this card really isn't too bad. The reward system alone isn't enough to make it stand above others though.
The good features of this card begins with the 15% off purchases the day you open your account. A person could open an account, when doing their holiday shopping for example, with an offer like this and save quite a good amount of money. Unfortunately that is the best that Belk has to offer with this card. They are consistent with other store cards with their high interest rates (nearly 25%). The rewards system is also lackluster. Unless you are shopping on double point event days, the rewards are $1 spent earns you 1 point. 400 points gets you a $10 rewards certificate. So spend $400 and basically get a $10 gift card t the store. That equals out to a 0.25% rate. While better than nothing, it is quite a small amount when looking at rewards that other cards offer (even store cards for that matter - see Gap or Target for some examples). If you opened this card on a day you were making a big purchase and then mostly only shopped on days they offered double points then you could get some OK value from using this card. Otherwise, it doesn't stand out from other store cards and isn't a very attractive credit card overall.
You need a higher credit rating to get this Wal-Mart card and in return they have a rate of 23%. Store cards are often high, but I think I would consider other options when looking for a credit card. Their reward system is really almost not worth it as well. They offer .25% on purchases up to $1500. Even if you went on a spending spree and spent $1500 dollars at Wal-Mart that would only net you $3.75 in savings. And who really spends enough on a regular basis to even begin looking at the higher return rates (.50% and 1%)? The cash back reward system on this card is insignificant at best. I have a Target store card that is much better because they give me 5% off instantly for using my card at the register and shopping there is usually a better experience (at least where I live). The 5s cent per gallon (at participating gas stations) is decent but if you wanted a gas card I would recommend you look at many of the others available and reviewed here at this site because there are plenty better ones. Overall I think the Wal-Mart card, with its weak reward system and high rate is one that I wouldn't recommend to anyone.
The Credit One Visa card is a pretty decent card for people with lower credit ratings. The annual fee gets applied to your balance immediately so I wasn't very happy having $75 immediately on my first statement. Still, secured cards or annual fees are terribly uncommon for people that have poor credit scores so I don't think it's completely unfair. I have had this card for a few years now and rarely use it but I have had no problems with the customer service or accessing my account online in that time. The interest rate isn't great but, considering that the card is designed for higher risk people, it isn't as bad as it could be. I would recommend this card to anyone looking to try to restore credit.
While store cards typically have a higher interest rate than regular credit cards, at 28% the Staples store card has a very high rate. To back up the point, the OfficeMax card, offers an APR as low as 10% with a ceiling at 24% (depending on credit rating). Staples does offer a fair 5% cash back rewards plan. This could turn into substantial savings for those who must supply an office. Still, the rewards program is not very creative compared to some others out there that offer a variety of perks. They have a deferred interest plan on purchases made before the end of the year, which is a nice little bonus. Overall though, this Staples store card is really nothing extraordinary and would probably appeal mostly to people who run small businesses or run a home office. At that point though a person in that situation may want to consider a business credit card instead because they often offer much more creative rewards plans.
With the high cost of food these days almost all of us are looking for a way to find some savings at the grocery store. The Kroger 123 Rewards card is a very attractive card for those who are fortunate to own it. You earn rewards points every time you use this card and accumulate them at faster rates if you use the card in the Kroger store (and at an even greater rate if you purchase Kroger brand products while there). This allows you to earn up to 3 points per dollar spent. At 1000 points you get $5 in free groceries. My wife and I usually spend from $50-$100 weekly the grocery store. Even if we didn't buy Kroger brand and only qualified for 2 points/dollar spent there, so that means we could accumulate up to 200 points a week at the store (on non-Kroger brand items alone). In 5 weeks we earn back $5, so over the course of a year that is about $50 saved by using this card. It's not amazing savings, but for a family that spends much more than us and used Kroger brand items these savings could be much greater. The rate is variable, so those with good credit scores will have it the best, so everyone must consider what is best for their own situation. Still, for a "store card" these rates are competitive. People with large families could save quite a bit of money with this card if they like to shop at Kroger. It's certainly worth it for them in my opinion.
This is a very nice card. I have considered a number of different cards like this, such as the Valero gas card, and this one beats or is very competitive with most. The rebate on each gallon of gas is what really makes this card shine. For those who do a lot of driving, you can earn up to 50 cents rebate per gallon which is serious savings. Savings like that would appeal to even those of us who drive much less. My family uses around 20 gallons of gas a week commuting during the weekdays and with small amounts of travel on a typical weekend. That equals out to a savings of up to $10 a week (if you qualify for the 50 cent/gallon rebate). Even at the lower limits, where one earns only 10 cents back per gallon, we would still be saving $2 a week. It doesn't sound like much but over the course of a year that is $100 dollars extra in our pocket. That is what makes this card appealing and worth having. It has a variable interest rate, so those with better credits will enjoy a fair rate while those with worse will have a fairly high rate to consider when looking at this card. Overall though, the savings that one gets per gallon using this card makes it a very good choice for those considering a gas card.
First off, it should be noted that this card is for those with low credit scores and because of this it is secured (meaning that it requires a deposit to attain it). In this case the deposit is $200, which is no small amount of money, but for those who have poor credit it may be worth considering nonetheless. What makes this card appealing is that it has a fair rate at 17.5%. For those who fall into this credit bracket, this is much better than they will get with many credit cards designed for lower credit applicants. On the other hand, this card also has a $29 annual fee which is a detractor. These things are all something that must be considered, but for those who have limited options with a lower credit score this card can help them work up their score and provide them the security of having a credit card. I have used a similar card when I was younger and fell into financial difficulties and believe it is a fair option for those in that position.
The Valero Gas Card is a store card that has, like many other store cards, a fairly high rate at 23%. I have been considering getting a gas card in particular to save some money at the pump because some of them offer a rewards or cash back, but unfortunately this card has no rewards plan at all. This puts it behind many of its competitors such as Shell (who offer 5 cents back on each gallon). The only perk to this card is that they allow you to set the due date for when your bill is due. Outside of that there is very little reason to consider this card over other gas credit cards (or store cards). With its high rate and no other appealing features, such as a reward system, I will be passing on this one and looking for another gas card.
This Capital One Visa card is focused on students and accepts those with fair or limited credit history. Considering this, the regular rate is fair at just under 20%. For those starting out, this is a fair card and worth considering for that alone. For young people, and their parents, there is also the added assurance that this card provides with the 24 hour emergency and travel assistance feature. With this feature the owner of this card can call their emergency number that Visa provides and they will put you in touch with the assistance you need. This includes referring you to an attorney, arranging emergency transportation home or to a medical facility, emergency ticket replacement, luggage locator service, and more. They do not provide these services for the user, but they will help you locate these services in case of an emergency which still can be very helpful in a time of an emergency and adds a good deal of value to this card. Students who pay their bill on time also receive a 25% bonus to the cash back they receive each month on purchases as part of the rewards plan with this card. I highly recommend this card to any young people considering their first card.
This card offers a great interest rate for a store card (for those who qualify) at it's lowest limits (10%). That alone makes it a very attractive card for those who have very good credit and can attain that rate. There are no annual fees with this card which also adds to it's appeal. My family has a number of outdoors types in it and I would not hesitate to recommend this card to them. Owners can accumulate points using this card both in store and out of it so this helps when trying to build them up. When you join you get an additional $25 off of your initial purchase, which is a nice perk. This is a very competitive store card and, for those who qualify for its lowest rates, it makes a lot of sense for outdoors men/women to apply for this card.
You really can't go wrong with this card if you are a person that travels frequently. The "thank you" (reward) points you accumulate using this card are redeemable for a number of different things (gift cards, merchandise, travel, etc). You can accumulate them through regular purchases and not just through credit card purchases from Expedia (albeit at a lesser accumulation rate) so you have the opportunity to build up those points and earn some decent rewards with this card. Those with better credit can enjoy decent rates with this card as well. Considering it also has a number of other features, such as auto rental insurance, travel assistance services, and a personal concierge service, this is certainly a card that people that travel should consider.
I own this credit card but only use it in emergencies because of the high rate. It has an annual fee, which I really don't care for, but it does offer you 24 hour roadside assistance so that offsets the fee somewhat. The auto rental insurance feature is a nice little bonus with this card, especially for those of us that do a lot of travelling. For travelers the "no foreign transaction fees" feature is also a nice addition to owning this card. This card has plenty of decent features for people that work and vacation abroad but the rate and the annual fee make it a card is a serious drawback. I have had good experiences with Capital One, as far as customer service goes though, so if you can get past the high rate (and especially if you travel abroad/use rental cars) this card isn't too bad.
This card has a pretty high interest rate (24%) that I am not comfortable with. They offer a 10% initial bonus if you open an account with them, so this may be appealing and something that people who are big shoppers may want to consider if they plan on spending a large amount at Old Navy. The other advantage to this card is that you can earn reward points at not only Old Navy, but at other Gap stores as well (Gap, Banana Republic, Piperlime and Athleta). You earn 5 points for every dollar spent at these stores so after you spend $100 you qualify for the 500 point/$5 reward card. That is not a very significant reward but something that people who spend a lot of money on clothes may want to take into consideration when looking at stores cards such as this. Overall, the card's rate is too high for me.
This is a very good card but only people with Excellent credit ratings can get it. The rate is variable, depending on your credit worthiness, but it goes from the low range to the higher end. What makes this card really stand out in my opinion is in part due to the $200 cash back if you make over $500 in purchases in the first 3 months. Most people spend that much on groceries alone in 3 months and could easily qualify for this reward. On top of this they offer 0% APR for the first 15 months. This is a great offer! Between the introductory offer, the fair rates, and the $200 back offer, this card is one I think anyone in the market for a new card should consider.
My wife has a JC Penney's card but we rarely use it. One, we don't shop there as much as we did in the past and, two, the interest rate on this card is very high. Although they offer a generous 12 month intro period, it is hard to stomach a rate of 27%. The reward system is something that we have never taken advantage of either and being that points expire after each calendar month it makes a lot of sense. For someone that has kids they want to do some back to school shopping for or need to buy a large amount of clothing in the future, it may be worth considering this card because they offer a sizable discount on your next purchase after opening this card. Overall though, the rates on this card are just too high is one reason we do not use it very often.
My wife and I have a Best Buy card and we like it very much. We frequently use it when we go shopping for phone and phone accessories, computers/monitors, and video games. The interest rates are very acceptable for a card like this at about 18%. For people that are frequent buyers of electronics and similar items sold at Best Buy, this is a great card for buying big ticket items with because they give you deals on financing with orders that are a high amount. There is also a very nice intro rate that was helpful for us when we needed a new computer in an emergency situation. The online bill pay service has been a breeze to use and very convenient as well. Considering the fair interest rate, the rewards program, and the financing offers they provide for larger purchases, the Best Buy credit card is one I am very happy to have.
The Banana Republic credit card has a higher rate of interest than I am comfortable with at 24%. Considering people with only Good or Excellent credit scores can qualify for it, I think that is too high. If one was planning a big spending spree at Banana Republic though, it may be worth opening up an account with them to get the 15% off of initial purchase. That could end up saving quite a bit of money ($75 on a $500 purchase for example). It is nice that the reward system allows you to accumulate points outside of the store (even if it is at a reduced rate). It is also a bonus that you can use this card at Gap stores, other than Banana Republic, and receive the full 5 bonus points per dollar spent. You receive a $10 reward at 1000 points. Doing the math, that means you would have to spend $200 (within Gap stores) to get to 1000 points and your $10 back. That isn't a jaw dropping amount but still a nice little saving. People that love Gap Stores/Banana Republic and shop their frequently would probably find a good amount of value in this card.
I am the owner of an Amazon.com Credit card. It is a very convenient card because it has very fair interest rates and because Amazon has great deals on so many different items. I applied for this card over the site last summer and was instantly approved a line of credit that I used to buy myself a work computer. Although my credit isn't as high as I would like, they gave me a fair rate in the upper teens. The fact that they give you a $30 gift card as part of being approved is a great bonus and something I missed out on unfortunately. The reward point system is something that I don't put much value on being that it takes 100 points to get $1 off a purchase. For every $1 you spend at amazon you get 3 points. Considering this, you would have to spend about $34 to get $1 off a purchase. That isn't much of a saving, but better than nothing. Overall, this card has been valuable to me and my family because we do so much shopping on Amazon and the rates (for us) were fair. I would recommend it to others that love to shop there.
This card has a higher regular rate, at 25% than I am personally comfortable with or would recommend for anyone. Perhaps for people with less than perfect credit scores this is something they would be willing to overlook but I would strongly suggest that people steer clear of interest rates this high if possible. Looking at the points system, you get a $10 reward at 2500 points. To reach 2500 points one would have to spend $166 dollars. So, $10 back after spending $166 isn't spectacular but it's better than nothing. With the price of clothing it is certainly something to consider. If you really love shopping at Express though and can pay your balance off each month, you can't really go wrong with this card. At 7500 points you become an A-list member which allows you to get $15 dollars back for every 2500 points you amass instead of the regular $10. A-list members also get free shipping on items they buy from the online store and receive a birthday gift up to $40 in value. Not bad for someone who loves to shop at Express, just a very high interest rate to take into consideration when deciding whether or not to apply for this card.
The reward on this card is 10 cents per gallon after you spend $500 in one billing cycle on qualified purchases. I personally can't imagine myself placing $500 on a credit card (for qualified purchases) in a month in order to save 10 cents on a gallon of gas when I only fill up 2 times a month and have a small gas tank in which I rarely buy more than 10 gallons. This would amount to about $2 dollars saved over the course of a month for me and hardly worth it. The interest rate is also extremely high at nearly 24%. We have a gas card from another company that has lower rates. I am not very impressed with this card. I recommend shopping around if you are considering a card such as this.
This charge card has to have its balance paid off each month. That is an important factor when considering it over a credit card. The $95 annual fee (after the first year) is an expensive charge. The flexible spending capacity is an interesting aspect that may be appealing to some but what really sells this card is the bonus points that are awarded. A start-up business could do well making their purchases with this card because there is a bonus 50,000 points awarded if you spend $5,000 in the first month. Chase gives you the option of $20 back for every 2,000 points or it can be applied to your statement, so that is quite a substantial amount of savings if you were going to spend the money anyways and you used this card.
My wife and I both have a Target REDCard. They have a nice discount that you get right away off your purchases at the register. The card is relatively easy to attain, we've had ours for awhile and it was before we had much of a credit history. It is very easy to manage your Target card online and make payments or check your balance there. Applying for the card online is a very simple process as well. The interest rate is the one thing about this card that I don't care for much (it is 23%) but it's still a useful card, especially considering how many different items one can purchase at Target. I would recommend the Target REDCard to anyone that is considering applying for a store credit card.
This has been a pretty good card for me. I liked the rewards plan. Their website was easy to use to check my balance and pay my bill. My experience was just make sure that you make your payments on time because they did not hesitate to jack my rate up to the penalty APR when I was late once. This was my fault that I was late, and otherwise I think the card has been very good. The card is accepted everywhere I have tried to use it. I also like to go to concerts with my wife frequently so I use this card to buy tickets through ticketmaster and as part of being a holder of this card I am sometimes given early access to tickets.