Best Store Credit Cards
While not everyone is a huge fan of store credit cards, they do have their uses. If you spend a lot of time and money in a store, then it does make sense to have one. Not only does it allow you to purchase a bit more than you have on you but it makes it easy to build up loyalty, comfort and control with the help of your best store credit card.
Amazon Prime. While not a physical store, a store credit card for Amazon Prime can be even better. With 6-24 months financing as well as 0% added on, as well as 5% cashback as statement credit, Amazon Prime is about as fair as you can ask for. However, it has a high ongoing APR rate and you do need to pay Amazon Primes premium to make sure you can get signed up. Also, as you might expect, exclusively for Amazon.
Amazon Credit Card
Target. The REDCard that you can get from Target is a monster. With 5% discount on all goods bought as well as free shipping an extra 30-days to return any good, a Target store credit card makes sense from many angles. It also has no annual fees and provides you with easy PIN access, which is very rare the majority of the time. However, there is no 0% financing on this card so don’t let that be a shock to you.
Target Credit Card
Lowe’s. Another good pick to go for, it’s high ongoing interest rates are set off by the lack of annual fees and 0% financing for anything over $299. You also choose to claim 5% rewards off everyday purchases which is a nice little touch. Both methods of this card make it a worthwhile consideration to go with, not least as it offers a stable alternative to many of the other cards in the sector, which improvement is notoriously poor for.
Lowes Credit Card
TJX. TJX cards offer a lack of 0% financing, which is made up for by the lack of annual fees and also the MasterCard option. This means it can be accepted in multiple stores, with 10% off your first in-store purchase with it and also 5 points per $1 spent at a variety of TJX based stores. A good choice to go for if you spend a lot of time and money in their stores and want added value.
Walmart. The Walmart MasterCard offers a shocking 22.9% APR but also 1% on every $1 charged as a reward. Also, rewards come in as statement credit in $5 increments. If you open an account today, you get a cool $25 added in well as 5 cents per gallon spent at various gas stations. Good if you are a Walmart exclusive who does a lot of your general shopping here, and a general useful store card for most day to day purchases that you take on.
Walmart Credit Card
However, before signing on, make sure you agree to always payoff balances in full. Store credit cards can be expensive when overrun, so get fiscal control before investing!