的 最好 商店信用卡 和 How 的y Work

Store 信用卡 are offered by the biggest chain 商店s as a way to attract more consumers, encourage additional purchases 和, ultimately, improve their bottom line. 的 零售ers work with 信用 card networks like Visa, MasterCard, Capital One, 和 American Express 创建以他们的业务为中心的信用卡, perks, 奖励, 和 cashback 每次用户在商店消费时。

Start raising 您r 信用评分 today.

致电800-450-0779。

你可以找到 store 牌 冠以 grocery 商店s, department 商店s, online 零售ers, 和 more. 的y tend to have higher interest 费率, more limitations with regards to how 和 where they can be used, 和 smaller credit limits, but credit score requirements are more forgiving 和 there are some very useful reward rates on offer. 

With that said, where can 您 find the best 信用卡, which 商店s offer the most favorable rates 和 bonuses, how can 您 apply, 和 are store 牌 good or bad? In this guide, we will answer all these questions 和 more.

怎么会 Store 卡 Impact My Credit Score?

A store card, like all 信用卡, impacts 您r credit score in several ways. However, many of these issues are temporary 和 minor:

1.申请

A hard inquiry will be placed on 您r credit report as soon as 您 apply. This is true for every card 您 apply for, although 您 won’t receive this mark until 您 advance beyond the initial comparison 和 quote stage. What’s more, the lender is required to warn 您 when a hard inquiry is about to be placed on 您r credit report.

Unlike loans 和 other lines of 信用, there is no allowance for “rate shopping” which is when multiple inquiries will count as one if they are made within a short period of time. As a result, every hard inquiry can show on 您r report 和 reduce 您r credit score 最多下降5分。

2.新帐户

All new accounts can impact 您r credit score in two ways. Firstly, part of 您r credit score considers whether an account is new or not, 和 if it is, it will be negatively affected. This won’t have a huge or lasting impact on 您r score, but it will reduce it slightly. 

Secondly, the overall age of 您r account will also be considered. 的 more accounts 您 have 和 the older these are, the less likely a new card will impact 您r credit score as this is based on an average. If 您 only have one other account 和 it’s fairly old, a new card will have more of an impact on this aspect of 您r score, turning an old average into a middling one.

3. Credit Utilization

这是新的少数积极方法之一 store card can impact 您r credit score. 您的 credit utilization ratio calculates all 您r 信用 和 您r debt 和 compares the two. 

If 您 have two existing 信用卡 with credit limits of $20,000 和 balances of $10,000, 您 have a credit utilization rate of 50%, because 您 have used half of 您r available 信用.

When 您 add a new 信用 card, 您’重新抛出一个额外的 credit limit into the mix 和, for the first month at least, it won’t显示具有平衡,所以所有这些都将是积极的。这是关键,因为 credit utilization accounts for 30% of 您r total credit score.

唐’但是不要太兴奋 store 牌 通常有很低 credit limits and as soon as 您 start making purchases, 您 may see those benefits disappear.

4.遗漏的付款

在上面讨论的所有事情中, credit utilization is the most important as it accounts for 30% of 您r total credit score, while for new accounts 和 您ng accounts it’s between 10% 和 15%. However, 您r payment history is the single most important part of 您r score 和 if this is damaged 您 could undo any positive gains made elsewhere.

Store 牌 still report to the 信用 agencies 和 if 您 miss a payment, they will find out, 您r payment history will take a hit 和 您r 信用s score will suffer. 

的 Best Store Credit 卡s

我们比较了 sign-up bonus offers, intro APR rates, cashback rates, 和 more to find the best rewards card for 您r needs. All these can help 您 to save some money at the checkout, but if 您’re new to these 牌 和 don’t know how they operate or how to use them safely, make sure 您 keep reading to learn some essential tips.

好市多 Visa 

的 Costco rewards card is offered by Citi and tailored exclusively to Costco members, whether they are purchasing in the 商店 or at Costco.com. 

占16.74% interest rate 比其他任何人都受人尊敬 store 牌 are offering 和 it’s actually one of the better reward 牌 offered by 花旗,符合条件的客户最多可节省4% gas stations (up to $7,000), 3% at restaurants, 和 2% at Costco 和 Costco.com.

您还可以要求1% cashback 在所有其他购买中,从 drugstores to department 商店s 和更多。你会需要 Costco membership to be accepted for this card, but the fact 您 don’t need to limit 您r purchases to this 商店 makes it the best store card 至少在我们看来

实际上,考虑到所有因素,’比特定选项更好 store 牌 由...提供 Whole Foods, Lowe’s, 和 countless others, because 您 can still get 2% cashback at all those 商店s 和 您 can do so without having a massive interest rate hanging over 您r head.

Of course, 您 don’不能得到所有这些积极因素,而要获得一些否定因素。这个 rewards 信用 card 需要无懈可击 credit score, 和 unless 您r 信用worthiness is deemed excellent, 您 may be refused. What’s more, 您r points need to be spent at Costco, 和 not as statement 信用.

  • 年费:$ 0
  • 年利率: 16.74% Regular 年利率
  • 奖励率:1%至4%
  • Purchase 和 奖励类别:全部 Purchases
  • 其他:最高4% eligible gas purchases; no 国外交易费。

亚马逊Prime Store 卡

亚马逊有传统 store card and an Amazon Prime Store 卡, with cardholders 他们加入时升级为后者 Amazon Prime.

亚马逊Prime Store 卡 cardholders can earn 5% cashback on purchases 和 there is also a $10 bonus offer, with the money added to 您r account as soon as 您 join. 的re are multiple special financing options as well, all of which make this a solid 奖励卡 和 a great choice for anyone who spends 很多 of money at Amazon.

  • 年费:0%
  • 年利率: 27.49%
  • 奖励率:最高5%
  • Purchase 和 奖励类别:亚马逊 Store Purchases
  • 其他:免费$ 10 gift card

沃尔玛 Store 卡

赚 cashback when 您 spend money in the Walmart store, on the Walmart app or at Walmart.com。您可以在以下位置使用奖励 checkout 并确保2%至5%的安全性 cashback depending on the type of purchases 您 make 和 whether or not 您’re in the intro period.

  • 年费:$ 0
  • 年利率: 26.99%
  • 奖励率:2%至5%
  • Purchase 和 奖励类别:全部 Walmart purchases.
  • 其他:在 intro period.

我的百思买 Card

的 My 最好 Buy store card offers 5% cashback in the form of a points-based system 和 this increases to 10% on 您r 第一天,这是更好的一天 credit card offers you will see. 的re are also multiple discounts, free shipping 报价, 和 other 特权,但要警惕更高 interest rate.

  • 年费:$ 0
  • 年利率: 26.74%
  • 奖励率:5%
  • Purchase 和 奖励类别:百思买产品
  • 其他:10% cashback on 您r first day of 购买。

间隙 Store 卡

的 GAP store card isn’像 Costco Anywhere Visa and doesn’t have the first purchase offer found on the 我的百思买 card or the optional extras 您 can get with the Amazon Prime Store 卡. However, if 您 spend 很多 of money at the Gap, it’非常值得考虑。 

You can earn five points for every buck 您 spend at Gap, Banana Republic, Athleta, 和 Old Navy, 和 every time 您 earn 500 points 您’ll get a $5 reward card to spend at these 商店s. 的re are additional bonuses, discounts, 和 perks as well, including birthday discounts 和 特别 offers for big spenders.

  • 年费:$ 0
  • 年利率: 27.49%
  • 奖励率:每消费1美元可获5点积分
  • Purchase 和 Bonus Categories: Gap, Old Navy, Banana Republic, Athleta 
  • Other: Lots of extra bonuses 和 cash back rewards

是 Store 卡s Good or Bad?

Store 牌 are like bar tabs for 您r favorite 商店s. You add items as 您 need them without worrying about the cost, 和 then 您 pay for them all at the end. And instead of getting a hangover 和 a prevailing sense of regret at the end of it all, 您 earn reward points that can be used to purchase even more items.

It’s a cycle of consumerism that provides many benefits to the 商店 和 the economy 和 奖励 您 for 您r loyalty. Or, if we adopt a more cynical approach, it’s a cycle that favors everyone except for 您; one that exchanges loyalty for debt. Sure, 您 get a few token perks, but these are designed to make 您 feel good about 您r excessive spending, to stimulate the reward center of 您r brain 和 encourage 您 to keep feeding into a cycle that benefits the 零售er.

的se 牌 can have their benefits 和 when used properly they offer the customer some advantages. However, there’s no escaping the fact that they exist for the sole purpose of increasing the 零售er’s bottom line 和 they profit more if 您 spend money 您 don’t have 和 accumulate debt 您 can’t afford.

为什么 Store Credit 卡s Exist?

A store card, like a rewards card, is designed to encourage spending 和 to convince 您 to spend more money at a particular 商店. Imagine, for instance, that 您’打算在一家商店购买电视 department 商店. You find that TV for $1,000 at a department 商店 out of town, but 您r local 商店, with whom 您 have a 存储卡,售价为1100美元。 

If 您’re like the majority of consumers, 您’ll opt for the later, 和 the bigger the purchase is, the less 您 will care about the extra money. It should work the other way, but we’例如,与我们在家中相比,我们更有可能省下10%的衣物费用。 

It’就像我们的大脑注册一定的金额“a lot” 和 don’不能太多注意价格变化,这就是为什么许多房主赢得’t care about spending $200,000 instead of $180,000 on the house of their dreams, but will go insane if a 零售er suddenly increases the cost of their favorite item from $10 to $12.

您的 store card will never earn 您 enough points to justify that additional $100. In fact, 您 won’t赚取足够的积分来证明仅$ 20的额外费用是合理的。让’s assume that 您 find a card that 提供5% on all 购买。 That TV will earn 您 $55 in reward points, which means 您’再付$ 100才可得到$ 55 cash back.

那不’没有任何意义,但是’s a trap that countless consumers fall into 和 one that retail store cards rely on. And that’假设速率很高。除了 intro offers 和 the high-paying reward 牌 outlined above, the average reward card actually offers around 1.5%, which means it would only make sense to shop at 您r local 商店 if that TV was being sold for $1,014 or less.

的 零售er might try to convince 您 that these 牌 are designed to reward loyalty, but it’s all about encouraging spending 和 trapping 您 into a cycle of consumerism.

如何使用 Store 卡s Properly

Store 牌 make their money via financing 选项, 和 by charging high variable 年利率, penalty fees, 和 more. 的 idea is that 您 purchase something 您 wouldn’t otherwise have purchased, 和 because 您 can’t afford to meet the repayments, the card traps 您 in a cycle of debt.

To avoid being beaten by a 零售er 和 their tempting offer, 您 need to:

  • Use 您的 Favorite Stores: 的re’仅凭单次购买就无需注册卡。除非它’s one of 您r favorite 商店s, one where 您 spend 很多 of money 和 shop regularly, the card likely won’t provide 您 with many benefits.
  • 与奖励卡比较: 在大多数情况下,有了 奖励卡。可能会向您提供 定期的APR,低廉的费用以及许多其他好处,以及更好的 cash back rate. 唐’t assume the store card you’re being offered is ideal just because 您 like the 商店. Check the 费率, terms, 和 bonuses, 和 compare it to popular rewards 牌 and cash-back credit 牌 看看哪个更好。例如, Chase Freedom and Discover It cashback cards 通常比任何一个都要好 store 牌, although 您 may need excellent 信用 to apply.
  • Check the 年利率: 的 年利率 is often much higher on cashback cards and store 牌 are no exception. In fact, many of these 牌 offer the highest possible rates. Some will tempt 您 in with an intro APR, only to hit 您 with a higher rate after 6 to 18 months. Pay close attention to these rates to avoid being stung.

Pay 您的 Balance: Reward 牌, 和 all 信用卡 for that matter, profit when 您 struggle. 的y earn most of their money when 您 don’t在月底偿还余额,因为这使他们可以启动 interest charges. By only getting 牌 when 您 know 您 can clear the balance 和 doing all 您 can to make it a reality, 您 can avoid being hit with high fees 和 rates.