Retail Credit Cards - Reviews
For many retailers, a store-branded credit card is a great way to lure in repeat shoppers as well as ensnare customers in a load of debt due to high interest rates and the temptation to spend more than they can afford.
But retail cards aren’t all bad. When used responsibly, they can be a good introduction to credit for consumers with a limited credit history. And there are a few stand-outs in this category that offer great rewards programs that allow you to earn a large amount of cash back on your regular spending.
We’ve reviewed the most popular store cards, looking at their rewards programs, special financing deals, APRs and other perks, as well as their potential pitfalls.
JCPenney credit card
Last reviewed: March 5, 2021
With paltry rewards and a high APR, the JCPenney card is a poor choice for most cardholders, save for dedicated fans of the store who may appreciate the card’s special savings opportunities.
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Ace Rewards Visa Signature card
Last reviewed: May 3, 2021
Notwithstanding handsome rewards at Ace Hardware stores, occasional Ace shoppers are likely to take a pass on the Ace Rewards Visa Signature card due to its lack of a sign-up bonus and less-than-impressive earnings rate in other categories. This card offer is no longer available.
Barclaycard Financing Visa
Last reviewed: January 7, 2021
Apple fanatics can finance high-cost purchases using the Barclays Visa, but a high APR for some cardholders means they should also be vigilant about paying balances in full before the promotional period runs out. Note: This card offer is no longer available from the issuer.
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