Store Credit Cards

Store or retail credit cards are a great way to earn discounts or rewards at your favorite retailer. They’re known for offering generous first-purchase discounts and lucrative ongoing rewards without charging annual fees and typically offer points or cash back for purchases made at certain stores or with a certain brand, and may come with perks like free shipping or access to other exclusive benefits.
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Store Credit Cards (179)

Tires Plus Credit Card

Sometimes your car needs big repairs to stay on the road and keep you safe, but you may not always have the money on hand to pay for them right away. With a Tires Plus credit card, you can get the repairs and services you need, right when you need them. Now that’s peace of mind. Apply for a Tires Plus Credit Card now to see how you can start saving on tires and auto repair. The application only takes a few minutes, but the payoff could be huge.

Upromise Credit Card

Upromise is a reliable card for anyone who needs to save money for a university, whether in recent years or years. Obviously, other credit cards can get higher cash return rates; however, when Upromise credit cards shine, it can be associated with a qualified 529 University savings plan. Therefore, compared with traditional credit cards, Upromise credit cards should be regarded as a savings tool, because cash return incentives can be automatically deposited in 529 plan.

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Valero Credit Card

Valero Credit Card is the credit card of shopping provided by Valero Company to help customers. Valero was founded in 1980 as an oil company in San Antonio. It has 15 refineries, 11 ethanol plants and some wind power stations in the United States and other countries. Valero's credit card allows you to save money on gasoline purchases from Valero Gas Station and its subsidiaries, such as Shamrock. It's not Visa or MasterCard, so you can only use it at Valero gas station. It was issued by the National Bank of DSRM (abbreviated as Diamond Clover Refining and Marketing), a unit of Diamond Shamrock prior to Valero's acquisition.

Wawa Credit Card

Looking for a smarter way to pay at the pump? Apply for the Wawa® Credit Card to enjoy ongoing fuel savings when you use the card to purchase Wawa fuel!* Plus, the Wawa® Credit Card offers other great benefits, like the convenience of paying at the pump, online tools to manage your account, and more.

AAA Credit Card

AAA Credit Card is the credit card of shopping provided by the American Automobile Association Company to help customers. The American Automobile Association is a federal motor club throughout North America. AAA is a private non-profit national membership association and service organization with over 58 million members in the United States and Canada. AAA provides services to its members, including roadside assistance and others. It was founded in 1902 and its national headquarters is located at Heathrow Airport, Florida. You can read the following article to see what benefits this card can bring you.

Conn's Credit Card

conn's credit card GOod deal or no ? well for sure their APR are about 29.99%, for purchases! and its pretty high! because average purchases on most credit cards company are about 15%!

Juniper Credit Card

Juniper Credit Card is the credit card of shopping provided by Juniper Company to help customers. Juniper Networks is a network communication equipment company, founded in February 1996, mainly supplying IP network and information security solutions. Juniper is part of Barclays Bank, one of the largest card issuers in the United States. Through cooperation with different banks, large enterprises, airlines, and other entertainment and educational institutions, Juniper provides numerous cards. Juniper Networks is working with Ericsson, Lucent, and Siemens to develop IP/MPLS network solutions to provide customers. By 2009, Juniper Networks had more than 7,000 employees worldwide. Juniper's main product lines include WAN acceleration, VF series, E series, J series, M series, T Series Router product family, SRX series firewall, EX series network switch and SDX service deployment system.

Justice Credit Card

Justice Credit Card is a credit card provided by Justice for customers to help shopping. Justice sells clothes, underwear, pajamas, swimwear, lifestyle, accessories, and personal care products for girls aged 5-15. Justice operates in shopping malls and shopping malls. As of March 2016, Justice had more than 1,000 stores. These stores are mainly located in Canada and the United States, but some are located in Mexico, Central America, South America, Asia, and the Middle East. Justice Credit Card is more suitable for Justice's loyal shoppers, providing customers with a good shopping experience, bringing more shopping discounts. So if you like shopping, you can learn some ways to save money.

What is a store credit card?

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards offer in-store discounts, allow cardholders to earn and redeem points when making purchases.

There are two basic types of retail store credit card:

  • Open-loop cards: These cards with a Visa, MasterCard or American Express logo in the bottom-right, can be used anywhere.

  • Closed-loop cards: These cards without a Visa, MasterCard or American Express logo only can be used at their co-branded stores, online stores or affiliates.

For example, there are three types of Best buy credit cards, My Best Buy Credit Card, My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card. My Best Buy Credit Card is a closed-loop card, so you can only use it at Best Buy. My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card are open-loop cards, you can use them anywhere that Visa is accepted.


What are the benefits of store credit cards?

Easy to get and can help you to build credit

Because of store credit cards’ high interest rates and low credit limits, they are easy to get with fair or poor credit. If you can use it responsibly, this is an opportunity to build up your score.

A reasonable annual fee

Many great store rewards cards don’t have an annual fee.

Save money at your favorite stores

Store rewards cards have different rewards programs which are great ways to save money, especially you are a frequent customer of that shop. For example, My Best Buy Credit Card offers as much as 5% cash back.

Additional sign-up bonuses and benefits

Many store reward cards attract new customers with a sign-up bonus. What’s more, some store reward cards offer extra benefits, such as discounts, free shipping, a birthday gift and extended return policies.

Open-loop cards can be used anywhere as normal credit cards.

What are the drawbacks of a store credit card?

Low credit limits

This means that you have the risk of going over your credit limits.

High interest rates

Most store credit cards’ interest rates are higher than the industry average (17%).

Closed-loop cards are limited to single store

Many store credit cards can only be used at their store or online shop. But some store credit cards can be used anywhere like normal credit cards, such as Amazon Prime Rewards Visa Signature Credit Card.

Customer service problems

Some store credit cards are not issued by major cards issuers, so the quality of customer service is difficult to guarantee.

Some store credit cards can’t be used for balance transfers

What do you need to apply for a store credit card?

Credit score

Banks approve much lower credit scores for store cards. Therefore, applying a store card is an ideal way for someone with a fair or poor credit score to rebuild his or her credit.

Credit card application

You can apply for a store credit card online, in-store or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

How to use a store credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Take advantage of sign-up bonuses

Many reward credit cards provide sign-up bonuses, please remember to take advantage of sign-up bonuses before they expire.

Maximize your rewards

Reward credit cards offer many ways to help you to save money on everyday items and big-ticket purchases. Keep an eye out for earning double or triple rewards opportunities. In addition, you need to know when your reward points will expire.

Use two store rewards credit cards

Business credit cards can earn points when shopping in specific stores or buying a certain type of merchandise. So it is a good idea to apply for store credit cards according to your shopping habits to get more rewards. For example, if you are a Walmart regular for daily necessities, and you also need to fuel the car, you can prepare one Walmart credit card and one gas rewards card. But we don’t recommend you to take out too many cards at once, because each credit card application may make your credit score lower. So it’s best to add credit cards slowly and allow your credit to build over time.

Plan and budget

It is easy to become impulsive in getting rewards. Don’t spend more than your budget. Earning rewards is not a valid reason to go over your budget.

Pay your bill in full on time

Many store rewards credit cards provide rewards program, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

About Cards-Offer

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why Cards-Offer born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
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