Today, many retailer stores are offering reward programs to their customers. From credit cards to discount cards, almost all major stores in the United States are providing different programs to build customer loyalty and make them consistently shop items from their store.
With this year’s approaching holiday, there are many people busy shopping for gifts. They have been offered with store credit cards to get amazing discounts on their purchases. There are a number of best store credit cards offered today. But to help you in choosing the best, here are the top five store-based credit cards that you can use.
The Gap Card/Gap Visa
It is nearly identical to what is being offered by the Banana Republic and Old Navy when it comes to rewards. It offers at least $10 rewards if you spend at least $200 at any of their stores, online or offline. With the Gap Visa, you can get 1 point for every dollar spent anywhere. It doesn’t have any annual fee.
Many people love this store credit card because of the extra 10% discount they can get every Tuesday when shopping at any Gap stores and sister brands such as Piperlime and Old Navy. There are also special sales offered exclusively for cardholders. Once you have spent more than $800 in a year in buying Gap items, your card will be upgraded to Gap Silver, which will include free shipping when ordering online, making it one of the best store credit cards today. The only drawback for this card is its interest rate that can reach up to 25%.
The Target Red Card
This provides its card holders with at least 5% discount on every purchase, both in stores and online. It also offers free shipping on all orders and an extra 30 days to return whatever item that you have purchased using the card. It is one of the best store credit cards because it gives a 1% donation from your total amount purchased to a school of your choice. It is like helping children go to school while you are shopping using the card.
The interest rate for the Target Red Card is 22.9%.
The Amazon Rewards Visa Card
Known as one of the most popular retailers online, Amazon.com also provides one of the best store credit card rewards program. If you are a frequent Amazon shopper, you will find this very interesting. A $50 gift card is presented upon approval of your application for this particular card. Other perks include having 3 points for every dollar spent in the store, wherein when you have a total of 100 points, you will have $1 credited to be spent at Amazon’s store.
You will also be given 2 points if you use your Amazon Rewards card at restaurants, drugstores, and gasoline stations. Another point will be given if you use the card when shopping elsewhere. The APR that you will get using this Visa card depends on your credit score, but it usually ranges between 14% and 23%.
Macy’s Star Rewards Card
The Macy’s Star Rewards card provides you with big savings when shopping for their items. Their card offers 15% off during your very first purchase using the card. You can also have the opportunity to use their Choose-Your-Own sale days option for in-store and online purchases. There will also be returns offered for up to two year, whether or not you have your receipt with you.
The Kohl’s Charge Card
Having the Kohl’s Charge card can provide you with many benefits including the two 15% off the moment you opened the account. You are also given 12 additional discounts every year that can range from 15-30 percent. You don’t have to worry about its annual fee because there is none. When you spend at least $600 per year, you will be able to get additional 6 discount coupons that you can use during your purchases. The only drawback for this is that you cannot use the card elsewhere.