best-credit

Best Gas Credit Cards

How to Choose the Best Gas Credit Cardsgas

When the gas expense is one of your greatest concerns, yet you have to stay on the move; gas credit cards is the ultimate solution. What makes it different from a normal credit card is that it is intended to cut your gas bills. It does not only cut costs, but also give you an opportunity to earn reward point which may be redeemed in form of point, cash back, or even credit.

CHASE Freedom Gas Card

Chase Freedom gas credit card and other best gas credit cards available.

Merits of the Chase Freedom®

    • Offers rotating bonuses from categories like gas stations, select grocery stores, restaurants, and wholesale clubs.
    • Earn points just by filling up your gas tank.

 

Demerits of the Chase Freedom®

  • In the past, gas was a bonus category in two different quarters each year. Now it’s been reduced to one quarter. Still a great deal, but for half as much time as before.
  • There is no 5% cash back if you forgot to activate your bonus category — you will have to settle for the standard 1% you’re getting on everything else.
  • Mainly functional in the U.S. due to foreign transaction fee.

BEST FOR BONUS

Discover it®- 18 Month Balance Transfer Offer

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

  • 5% cash back on gas station purchases during one quarter of the year (the first quarter in 2016.)
  • They offer long introductory APR period: 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 11.24% – 23.24% Variable APR. This purpose is aimed at debt transfer from another card.

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

  • Unlike chase freedom, there are no foreign transaction fees, but it can be exceptionally difficult to find a merchant who accepts Discover in some international locations.
  • You have to activate your bonus quarterly or no bonus at all.

Conclusion
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.

Conclusion
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

PenFed Platinum Rewards Visa Signature® 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.

Conclusion
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.

There are some gas cards thаt will оnlу allow уоu tо uѕе your саrd аt thаt раrtiсulаr сhаin оf рrоvidеr аnd thеir раrtnеrѕ. (Shеll Cаrd, fоr еxаmрlе) Others will аllоw уоu tо uѕе thаt same саrd аt anywhere you see уоur card рrоvidеr lоgо (Viѕа, MasterCard). In fасt thеѕе саrdѕ happen tо bе some оf thе bеѕt credit саrd offers аvаilаblе.

Thе аvеrаgе amount that a tурiсаl gаѕ rеwаrdѕ program will save уоu is аbоut 5-6% оf уоur tоtаl gаѕоlinе purchases. Thiѕ mоnеу generally gets credited back tоwаrdѕ your ѕtаtеmеnt, аlthоugh ѕоmе соmраniеѕ will оffеr tо send уоu a сhесk in thе mаil оr make thе dероѕit bасk tо уоur bank ассоunt. Thеѕе ассоuntѕ can be very rеwаrding fоr уоu, but like with аnу сrеdit account you must аlwауѕ dо уоur bеѕt to use it rеѕроnѕiblу. Pауing your full bаlаnсе еасh month will еnѕurе thаt уоu can оnlу rеар bеnеfit frоm

 

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.

 

 



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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.

Store Credit Card Tips

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.

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.

Easy Store Credit Cards   

  1. JCPenney
    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.
  2. 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.
  3. Kohls
    With your Kohls Card you can maximize your savings.  Combine discounts with sale prices and offers. 
  4. Sears
    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.
  5. Disney
    Use your disney credit card on everyday purchases and redeem points toward most everything Disney.
  6. Target
    Charge at Target stores or at Target.com and save 5% on all purchases. No annual fee.
  7. 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.
  8. 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.
  9. Bloomingdale’s
    Earn 6 points per dollar in cosmetics and fragrances when you shop with your Bloomingdale’s card.
  10. 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.

Read about Credit Cards for Poor Credit

View ALL Store Credit Cards

Store Credit Cards and Department Store Cards

Store Credit Cards and Department Store Cards

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.

Are Store Credit Cards a Good Deal?
 Everybody who has been to a retail store has heard the question “Would you like to sign up for our store credit card and save 10% (or more) on every purchase?” The idea sounds enticing. 10-20% off on every purchase, that too without having to pay there and then! The question requires a split-second decision and the next thing you know, you have a store credit card in your pocket. But do you really know what you are up for?
What are Store Credit Cards?
A store credit card is a card given by retail store or chain of stores that is used as a medium of exchange to purchase items from only that particular store on credit. It bears the name of the retail store so it serves as a means of advertisement for the issuer.
Are Store Credit Cards Beneficial?
Store credit cards come with several incentive and perks:
  • Promotions and Discounts
The cardholder can take advantage of exclusive special offers, promotions and discounts. When the store credit card is used as a medium of exchange, the payment for purchases can be made on a later date – maybe the…Read More.
  • Build Credit History 
Issuers of store credit cards are lenient when it comes to the credit history of a consumer before issuing a card. So if you are trying to establish or restore your credit history, a store credit card is a good … Read More
  • Higher Interest Rate
Store credit cards have a higher Average Percentage Rate (APR) than standard credit cards. You might want to consider how much you will …. Read More 
  • Low Credit Limit
On average, a store credit card could have a credit limit as low as $1000. This makes it fairly easy for a consumer to cross the credit limit and hurt … Read More 
  • Lower Credit Score
Applying for a new credit card sets off an inquiry on your credit report that can lower your credit score by …. Read More
To Apply or Not to Apply?
It depends. If you can keep a tab on your expenditure and pay your balances diligently, you can benefit from a store credit card. You might also want to consider how the card measures up against a standard credit card. Also consider alternatives such as reward credit cards.
Do Credit Reports Matter?
Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application. Reviewing credit reports helps you catch signs of identity theft early.  Learn More about Credit Reports.
creditreport

Top 10 Store Credit Cards

  1. JCPenney
    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.
  2. 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.
  3. Kohls
    With your Kohls Card you can maximize your savings.  Combine discounts with sale prices and offers. 
  4. Sears
    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.
  5. Disney
    Use your disney credit card on everyday purchases and redeem points toward most everything Disney.
  6. Target
    Charge at Target stores or at Target.com and save 5% on all purchases. No annual fee.
  7. 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.
  8. 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.
  9. Bloomingdale’s
    Earn 6 points per dollar in cosmetics and fragrances when you shop with your Bloomingdale’s card.
  10. 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.

View ALL Store Credit Cards

 

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 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.

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.

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