Store credit cards have a special place in the hearts of those that want to save on their favorite stores, but with the abundance of store credit cards popping up left and right… It’s more necessary to be able to distinguish a stale store credit card from an exceptionally unique one. When it comes to Co-branded Store Cards, your best bets are with Comenity, Synchrony or CitiBank. in doing so, it’s a must that we introduce what we think to be the most effective store cards with a lucrative rewards tiered system that actually works efficiently on your behalf.
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
Recommended Credit Cards:
Citi Sears Credit Card:
With your Citi Sears MasterCard Credit Card, you will now be able to take advantage of their “5-3-2-1” Promotion that’s going on now and through January 31, 2017. Also, if you were targeted, you could earn 10% Back in statement credit on purchases within the categories of Gas Stations, Grocery Stores, and Restaurants for a total of eligible spend of $300 or more each month through December 31, 2016. With the occasional targeted promotions offered on this card all on top of a no annual fee… It’s definitely worth getting your hands on!
Citi Sears Credit Card Summary:
- Apply Now
- Best Feature: Monthly sales events and special financing offers every day
- Annual Fee: None
- Expiration Date: None
- Additional Advice: Be sure to take advantage of their targeted offers!
Synchrony Banana Republic Visa Card:
“Get your hands on the Banana Republic Store Credit Card and take 25% off your first online purchase of $75 or more or 15% off purchases below $75.” The sign-up bonuses, rewards structure and occasional targeted promotions makes this a top contender within the categories of Store Credit Cards. Be on the look out for their targeted promotions, especially the ones that offer no caps whatsoever. Keep in mind that your points can only be redeemed for Banana Republic merchandise
Banana Republic Store Card Summary:
- Apply Now
- Maximum Bonus: 25% off your first online purchase
- Spending Requirement: First purchase must amount to $75 or more.
- Annual Fee: $0
- Bonus Worth: YMMV
- Expiration Date: No expiration
- Additional Advice: Be on the look-out for bonuses that are not capped.
Synchrony Paypal/eBay Extras Mastercard:
Sign up today for the PayPal Extras MasterCard and you can start earning up to 3x points on all your purchases. On top of that, you’ll earn 2x points at Paypal and Ebay and 1x the points on all other purchases. Definitely a back-boned rewards structure and be aware that they do send out occasional targeted promotions for 6,000 points or $50 in Paypal credit for $500 in spend.
PayPal Extras MasterCard Summary:
- Apply Now
- Best Feature: Earn up to 3x points
- Annual Fee: None
- Expiration Date: None
- Additional Advice: Keep in mind that the maximum amount of reward points cardholders can accumulate in a card year is 50,000.
Best Buy Credit Card:
Sign up today for the Best Buy® Credit Card from Citi and receive 5% back in rewards every time you shop at Best Buy. For example, you’ll get 2.5 points (1 base point plus 1.5 bonus points) per $1 spent (5% back in rewards) on qualifying Best Buy purchases. Be on the look-out for targeted offers. Most recent offer looked like a spend of $2,000 outside of Bestbuy to receive a $200 Reward Certificate.
Best Buy Credit Card Summary:
- Apply Now
- Best Feature: 5% back in rewards
- Annual Fee: None or $59 based on your creditworthiness
- Expiration Date: None
- Additional Advice: Get 10% back in rewards on your first purchase
Synchrony Amazon Card:
The Amazon Card by Synchrony does offer some promising prospects of 5% back on all Amazon purchases or the option for special financing with 24/7 convenience of online account management. Keep in mind that this card can only be used in the vicinity of Amazon’s online store, but keep in mind that you will be able to reap full benefits of tremendous savings with their targeted offers such as the 10% Cash Back on Prime Day in July.
Amazon.com Store Card Summary:
- Apply Now
- Best Feature: 5% Cash Back
- Annual Fee: None
- Bonus Worth: None
- Expiration Date: None
- Additional Advice: Take advantage of Prime Day Savings with your Amazon Card by Synchrony.
Victoria’s Secret Comenity Bank:
The Victoria’s Secret Card from Comenity Bank can essentially earn you up to 19.8% back on your Victoria Secret purchases. On top of that, they hand out birthday freebies and sometimes the occasional ‘free panty’ offers. Keep in mind that this card doesn’t necessarily offer any targeted spending bonuses, however, considering that shopping cart tricks does work exceptionally well with this card… It could definitely be worth it!
Victoria’s Secret Card from Comenity Bank Summary:
- Apply Now
- Best Feature: Exclusive rewards for shopping
- Annual Fee: None
- Bonus Worth: YMMV
- Expiration Date: None
- Additional Advice: This card works with Shopping Cart Tricks
Conclusion:
If you’re currently in the market for a Store Credit Card that gives you a tremendous value when it comes to their rewards structure and occasional targeted offers…. Then this is your list! We accumulated all the best store cards that we believe to be the most lucrative in each of the cards abilities to maximize your spending.
Now, the Citi Sears Card does have frequent targeted promotions, but the rewards structure attached on this card without any targeted promotions is flimsy, to say the least. The Banana Republic Card has quite the generous sign-up bonus and frequent targeted promotions attached. If you’re looking for an easy approval, your best bets a The Victoria’s Secret Card from Comenity Bank. Find out which card is right for you by checking out our complete list of Credit Card Promotions today!
