Retail card reviews

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.

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Starbucks Rewards Visa card review

Starbucks Rewards Visa card

1.5 rating

You would have to drink a spectacular number of Frappuccinos to justify the $49 annual fee on the Starbucks Rewards Visa card.

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Gap Visa card review

Gap Visa card

1.4 rating

Designed for devoted fans of Gap Inc. brand stores, the Gap Visa card bestows cardholders with 5 percent rewards and special savings opportunities at Old Navy, Banana Republic, Athleta and Gap — but, unfortunately, not much else.

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Old Navy Visa card review

Old Navy Visa card

1.3 rating

Fans of value-priced yet stylish clothes have the most to gain from the Old Navy Visa card, but the card’s paltry rewards on purchases outside of Gap Inc. stores leave much to be desired.

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Menards BIG credit card review

Menards BIG credit card

1.1 rating

Despite the retailer’s catchy jingle, even the biggest home improvement enthusiasts are unlikely to save big money with the Menards BIG credit card.

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Kohl's Charge credit card review

Kohl's Charge credit card

1.1 rating

Despite a paltry points system, regular Kohl’s customers can still save a considerable amount of money with the Kohl’s Charge card – but a steep APR puts cardholders at risk of having interest charges eat into their rewards and discounts.

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JCPenney credit card review

JCPenney credit card

1 rating

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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