Even if you frequently shop at one particular store getting a Sears credit card may be not a best choice for maximizing your rewards. A branded credit card may seem lucrative for frequent customers but in most cases cardholders have to face hefty fees and a lot of restrictions. If you want to earn rewards on everyday purchases, it will be better if you apply for a credit card with general rewards rate on all purchases. Here're some of the best credit card offers for your needs.
The Citi® Double Cash Card – 18 month BT offer may not look like the best offer at the first sight. This card does not have a sign-up bonus and comes without a 0% intro APR on purchases. However, all in all, this card will be a great helper for those who want to earn rewards making everyday purchases. The card comes with unlimited 1% cash back on all purchases. Plus, you will earn another 1% back when you pay off those purchases. This basically makes 2% cash back on all purchases! No annual fee is the icing on the cake of this offer.
If you want a credit card with a rewards bonus offer, you may consider Discover credit cards: Discover it® Cash Back and Discover it® Miles. The Discover it® Cash Back card offers 0% intro APR for 14 months, up to 5% cash back in rotating categories every quarter (if you activate) and 1% on all other purchases. The Miles card comes with the same intro 0% APR offer on purchases, but you will earn unlimited 1.5x Miles per dollar on all purchases, not cash back. Earned miles can be redeemed towards any travel-related purchases or cash deposited to your bank account. Besides, both Discover cards come with no annual fee. Note that when the introductory interest rate of the Discover cards is over, the ongoing APR will apply. The best thing about these cards is that they do not force you to spend a lot on the card to get the one-time bonus - you can just buy at your own pace and earn rewards. All the cash back or miles rewards will be matched (doubled) at the end of your first year (provided you are a new cardmember). Imagine that you earned $400 of cash back (that's already not bad!) and Discover will double it to $800. As mentioned above Discover cards are great for those who want to get maximum rewards from everyday purchases and do not think much into different earning conditions.