Those who love shopping at your favorite stores might have already encountered store employees offering your store credit cards. These store credit cards are an excellent addition to your lineup of credit cards especially if you are a regular. These cards are often marketed to help you save money while you earn the maximum rewards on purchases.
Store credit cards are quite different from the credit cards that you own. For one, they are issued by the store or the retailer and can only be used within the particular store or its affiliates. Other store credit cards let you use their card to other stores but with a certain fee.
If you want to get the best store credit cards with maximum rewards, check out the article below to find out.
Amazon Rewards Visa Signature Card
One of the most popular store credit cards that everyone is raving about is the Amazon Rewards Visa Signature Card. There are a lot of reasons why this credit card is popular with Amazon shoppers.
Not only does it give you 5% cash back at the Amazon website and Whole Foods Market as a reward, but you can also earn 2% more cash back when you use the card in other transactions such as in restaurants and gas stations, and an additional 1%.
You can even use the card for commuting purchases including rideshare. This store credit card lets you enjoy a $200 Amazon gift card as an introductory offer. You can then use the rewards that you have managed to save up and use them as a statement credit or direct deposit to your account.
You can even use the cash-back rewards to redeem gift cards that you can then use upon checkout at any Amazon store or online.
Interest Rates, Fees, and Other Features
The Amazon Rewards Visa Signature Card also offers you up to 6 months or even 12 months of 0% interest rate on purchases over $50 and it will then revert to a variable APR of 19.24% to 27.24%.
Other fees that you should know about include the balance transfer fee which can either be $5 or 5% of the amount of each transfer whichever is greater, a late payment fee of up to $39 and returned payment fee of up to $39 as well. The Amazon Rewards Visa Signature Card also includes a Visa Signature concierge that can help you with certain arrangements like restaurant reservations and movie ticket reservations.
Cardholders can also expect to get an extended warranty on their purchases with the card as well as travel and emergency assistance services. This card is truly a well-rounded store credit card for Amazon shoppers.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
Capital One Walmart Rewards Mastercard
The Capital One Walmart Rewards Mastercard is another great example of a store credit card that offers a lot of benefits to its users.
You don’t even need to pay an annual fee or any foreign transaction fee when using the card and apart from that, you only have to worry about interest rates running at 17.99% to 28.99% for purchases.
With the Capital One Walmart Rewards Mastercard, you get to earn 5% cash back on online Walmart purchases and deliveries without any limitations on how much you can earn.
You also get to receive 2% cash back on dining and travel purchases and Walmart store purchases made in the US and Puerto Rico.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
How to Apply for the Capital One Walmart Rewards Mastercard
You can apply for the Capital One Walmart Rewards Mastercard online or at any Walmart store nationwide. Head over to the official Walmart website and select the credit card then click on Apply. Fill out the online application form, upload the necessary documents, review the form, and submit it.
Be sure that you are also 18 years old and above and you must have a good income to qualify for the card.
If you wish to apply at the store, head over to the customer service area and inquire about the card. Fill out the application form and submit copies of the documents that they require for your application. If you need assistance, you can call them at 1-877-860-1250 or visit their main office at Capital One Financial Corp, 1680 Capital One Drive McLean, VA 22102-3491. United States.
Target RedCard
When we think of shopping for groceries and any other purchases, we often think of stores like Walmart and Target. The good thing here is that Target also has its own store credit card that lets you enjoy benefits for your everyday purchases.
With the Target RedCard, you get to enjoy zero annual fees with a variable APR of 26.65%. Cardholders can get a 5% discount on all eligible Target and Target website purchases made with the card plus you get free 2-day shipping for items that you have purchased through the Target website.
You’ll also receive a 10% discount coupon every year on your card. When you shop at any Target store, you get 30 more days for returns on your purchases.
Using Your Target RedCard at Target
Using your Target RedCard is rather easy. All you need to do is present the card during checkout and the discount is automatically deducted from your bill. Make sure to check first before leaving the store to see if the discount has been deducted.
Take note that the discounts are only applied on purchases made within a Target store or at the official Target website.
For more information, you can call their customer service hotline at 1-800-424-6888 or you can visit their website and initiate a chat with their customer service. You can also visit their main office at 3901 W. 53rd Street, Sioux Falls, SD 57106-4216.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
Conclusion
If you’re looking for the maximum benefits and perks when shopping at your favorite stores, make sure to get your hands on the best store cards. These store credit cards are not only for purchases but it is also jam-packed with benefits that include travel, dining, and shopping. Cardholders who want to save money monthly or yearly can surely get the maximum benefits with these store credit cards.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.