Store Cards

Best Store Credit Cards Rewards Programs

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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 2nd 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 6th one at 25% off.

As you can see, store credit cards are great if you just use the particular store. Then you shop anywhere else, you don’t get any benefit. This may not work well if your spending habits are such that has you spending all over town!

The other option is to use credit cards which are not qualified as store cards, but still offer you amazing benefits on each of your purchases. Here are some of the really great ones if you are looking for store rewards.

  • American Express Blue Cash: This is a straight-forward card if there ever was one with the rewards extremely generous. No matter which departmental store you shop at, you get 2% cashback. You also get 3% cashback when you shop at grocery stores and 2% on gas. Also, this card has an awesome sign-up bonus. If you spend $1000 in the first 3 months of account opening, you will be able to get $100 as bonus.
  • Chase Freedom: This card is a lot better than any store credit card available today with incredible benefits. You can earn 5% cashback on rotating categories which include departmental stores, movie theaters and Starbucks outlets. Categories also include gas stations, Amazon.com and restaurants. With no annual fee to be bothered about, this is one of the best cards to get if you want store rewards.

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!

REWARDS PROGRAMS

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 $298.99; 12 months on a purchase of $299-$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.