Do you think it’s worth having a shopping credit card... - Cash Back Rewards Questions


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Credit Card Applications » Questions » User Questions » Cash Back Rewards » Do you think it’s worth having a shopping credit card when I often shop at one retailer?

Do you think it’s worth having a shopping credit card when I often shop at one retailer?

Answered on | Updated on January 16th, 2016
The content is accurate at the time of publication and is subject to change.

It depends on the card offered by the store you shop at and the way you manage your credit cards. If you use all your credit cards wisely and prefer paying off your card balances in full each month, then you can consider getting a store credit card. Store credit cards often come with high interest rates and being a responsible credit card user will help you keep your balances low and stay away from credit card debt. Now let’s look at rewards. When a store credit card does not have a rewards program and only offers discounts on purchases, you may not be able to save as much as you wanted. If you look at regular credit cards with rewards, most of them offer at least minimum rewards of 1% cash back. And if a store credit card is not able to beat this reward, then there is no sense in having it. Once you compare a store credit card with a regular rewards credit card you will see if a store credit card is worth having it.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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