Office Depot Credit Card

This card actually compares pretty well with other retail store credit cards. The reason being that it offers a 5% discount which is at the higher end of the range for similar cards (they tend to range from 2% to 5%). Furthermore, the rebates are debited into your account each time you make a purchase. So in a sense, the rewards are immediate (contingent on how often you go to Office Depot off course).

Office Depot Credit Card (1)

Office Depot Credit Card

  • Get 2% back in rewards on everything automatically
  • Get 20% back in rewards on qualifying purchase. Check code on website.

Store Credit Cards

Sears Card

  • Enjoy savings on your favorite brands with special financing
  • special offers, exclusive events and coupons.

Sears Mastercard® with Shop Your Way

  • Earn More Shop Your Way Points in More Places
  • Global Acceptance
  • Monthly savings, special offers and special financing

BP Credit Cards

  • Redeem earned rewards at the pump
  • $0 Fraud Liability
  • ATM Cash Access
  • No annual fee

Disney Premier Visa Card

  • after you spend $500 on purchases in the first 3 months from account opening.
  • This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Forever 21 Credit Card

This card actually compares pretty well with other retail store credit cards. The reason being that it offers a 5% discount which is at the higher end of the range for similar cards (they tend to range from 2% to 5%). Furthermore, the rebates are debited into your account each time you make a purchase. So in a sense, the rewards are immediate (contingent on how often you go to Office Depot off course).

1. 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 allow cardholders to earn and redeem points when making purchases. Store credit cards appear first before credit cards because department stores used to offer special offers to customers to reward their loyalty to a particular store or brand. In addition to the standard rewards program, store credit cards offer in-store discounts and special rewards. Store credit cards have a cash back feature that gives you a discount when you spend money on the retailer's card.

2. What are the benefits of store credit cards?

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.

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.

3. 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.

4. 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.

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