Store Credit Cards Reviews

Normally, store credit cards tend to be bad deals with their high interest rates, low perks, and credit inquiries. If you plan to pay the balance off a credit card right away, then store credit cards might actually be considering. Here are the store credit cards that I use:

  • Pottery Barn Credit Card: I would recommend this card if you’re a big shopper at Pottery Barn and its sister stores.
    • Pros:
      • 10% Back in Rewards. For every $250 you spend, you get 10% back. Also, through out the year, Pottery Barn offers Double Rewards.  Also, purchase Pottery Barn gift cards. They’re accepted at Williams Sonoma, West Elm, etc…so you can still earn rewards while shopping at these stores.
      • 1 Year = No Interest. If you’re planning to buy a big piece of furniture or make a purchase over $750, you can do 1 year of no interest as long as you make the minimum monthly payments.
    • Cons:
      • Interest Rate: 26.99%: Only get this card if you can pay it off or do the special financing, as the interest rate will get you.
      • Card only works at Pottery Barn. If you want use it at any other store (ie: West Elm), you’ll have to purchase gift cards.
  • Target RedCard: If you shop at Target all the time, this card should be considered.
    • Pros:
      • 5% Off All In-Store Target Purchases: If you shop at Target all the time, for necessities, gifts, etc…, you get an automatic 5% discount, just for using it. It might not seem like a lot, but after a few purchases, it will add up.
      • Free Shipping Online: Since you don’t get 5% off online, Target kind of makes up for it with free shipping, no matter the amount.
      • If you don’t want to do a credit card, you can also apply for the debit card and reap the benefits too.
    • Cons:
    • Interest Rate: +/- 22%.
    • Card only works at Target. Target used to have a Visa card, but you can no longer apply for it.
    • No rewards.
  • Nordstrom Credit Card: If you’re looking for a Luxury store card, Nordstrom’s offers the best rewards compared to most of the others. You can purchase brands like Burberry, kate spade, Tory Burch, and more while earning rewards.
    • Pros:
      • For every 2000 points earned, you receive $20. You earn 2 points per $ spent, but Nordstrom has opportunities to earn triple or double points, that it’s a little easier than that to earn the rewards.
      • Card works at Nordstrom Rack and Haute Look too
      • Anniversary Sale Early Access: One of the best sales, it’s the latest collection and exclusive designer products at a bit of a 10% – 25% discount.
      • Free alterations on full price purchase.
      • You can do either a store card, debit card, or Visa card.
    • Cons:
      • Interest Rate: varies
      • Luxury Designer Selection: While there is a great selection, you might not always find the brand you’re looking for or pieces, as they don’t receive all of the pieces.
      • Low Rewards: $20 for every $1000. This is both a pro and a con, as the opportunities to earn double or triple points might not be at a good time, shopping-wise.

Do you have a store credit card?

As always, happy shopping!

-C

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One thought on “Store Credit Cards Reviews

  1. Great post! I do think store cards are only worth getting if you can pay the bill in full each month. Some of these interest rates are high!

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