Mattress Firm Credit Card
Low or no credit is accepted. 90-day payment options. Quick, simple application process. Flexible payments. Instant decision on your approval.
Store Credit Cards
Store or retail credit cards are a great way to earn discounts or rewards at your favorite retailer. They’re known for offering generous first-purchase discounts and lucrative ongoing rewards without charging annual fees and typically offer points or cash back for purchases made at certain stores or with a certain brand, and may come with perks like free shipping or access to other exclusive benefits.
Store Credit Cards (179)
Pep Boys Credit Card
Pep Boys is a chain of car tires and repair stores, headquartered in Philadelphia, with more than 700 stores in the United States. Pep Boys is a fantastic story, founded in 1921 by four naval partners for $800. The original name of the store was Pep Auto Supplies, but a policeman named Leonardo Mayi worked near the first store to help change his name. Whenever Sergeant Mai stops at night because he doesn't have a fuel core, he tells the driver to go to Pep Boys and buy a new one. His proposal led to the name being changed to a political public figure.
Stein Mart Credit Card
Stein Mart credit cards offer additional discounts for goods on the shelves of discount retailer stores. This card is issued by Synchrony Bank and can be rewarded online and in stores and anywhere MasterCard is accepted. It also provides additional benefits, such as exclusive savings activities, birthday surprises, and opportunities to get more incentives through elite status. The annual fee for this card is $0.But like retailers'fashions and household goods, Stein Mart credit cards are not all-inclusive. Depending on how much you spend there, you may find that other reward credit cards offer more value, let alone easier redemption.
Sunglass Hut Credit Card
Get all the hottest styles you want with the flexibility you need. Open a Sunglass Hut Credit Card and enjoy: 20% off your first purchase, Six months special financing available, 75% off replacement discount, Exclusive benefits, 24/7 Online Account Management.
Talbots Credit Card
Talbots Credit Card is the credit card of shopping provided by Talbots Company to help customers. Talbots Credit Card was founded in 1947 and is headquartered in Hingham, Massachusetts. It is an American professional retailer and a direct marketer of women's clothing, shoes and fashion accessories. As of 2018, the company operated 495 Talbots stores in the United States: 425 core Talbots stores (412 in the United States), 65 Talbots Factory Outlets (in the United States) and five Talbots Clearance stores (four in the United States). The company's retail business accounts for about 80% of its total business, and another 20% is carried out through directories and the Internet.
Wayfair Credit Card
Wayfair Credit Card is a credit card provided by HSN Store for customers to help shopping. Wayfair was founded in 2002, headquartered in Boston, USA, and operates only household goods. Mainly operates six brands of retail websites. Wayfair Credit Card is more suitable for Wayfair’s loyal shoppers, providing customers with a good shopping experience, bringing more shopping discounts. So if you like shopping, you can learn some ways to save money.
J Crew Credit Card
J Crew Credit Card is a credit card provided by J Crew for customers to help shopping. J Crew was founded in 1947. Is a multi-brand, multi-channel professional retailer in the United States. The company provides a variety of women's, men's and children's clothing and accessories, including swimsuits, jackets, casual wear, weddings, bags, sweaters, jeans, dresses, suits, jewelry, and shoes. J Crew Credit Card is more suitable for J Crew’s loyal shoppers, providing customers with a good shopping experience, bringing more shopping discounts. So if you like shopping, you can learn some ways to save money.
Raymour And Flanigan Credit Card
With Raymour & Flanigan’s custom-fit financing, upon approval, you can begin shopping online or at any one of our stores. Valid photo ID is required to make an in-store purchase.
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 offer in-store discounts, allow cardholders to earn and redeem points when making purchases.
There are two basic types of retail store credit card:
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Open-loop cards: These cards with a Visa, MasterCard or American Express logo in the bottom-right, can be used anywhere.
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Closed-loop cards: These cards without a Visa, MasterCard or American Express logo only can be used at their co-branded stores, online stores or affiliates.
For example, there are three types of Best buy credit cards, My Best Buy Credit Card, My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card. My Best Buy Credit Card is a closed-loop card, so you can only use it at Best Buy. My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card are open-loop cards, you can use them anywhere that Visa is accepted.
What are the benefits of store credit cards?
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.
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.
Open-loop cards can be used anywhere as normal credit cards.
What are the drawbacks of a store credit card?
Low credit limits
This means that you have the risk of going over your credit limits.
High interest rates
Most store credit cards’ interest rates are higher than the industry average (17%).
Closed-loop cards are limited to single store
Many store credit cards can only be used at their store or online shop. But some store credit cards can be used anywhere like normal credit cards, such as Amazon Prime Rewards Visa Signature Credit Card.
Customer service problems
Some store credit cards are not issued by major cards issuers, so the quality of customer service is difficult to guarantee.
Some store credit cards can’t be used for balance transfers
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.
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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About credits-life
About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why credits-life born, we aim to help you to find the right credit card, and then successfully apply a credit card.
How To Apply For A Credit Card
Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.
- Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
- If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
- If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
- To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.