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ADVERTISING DISCLOSURE:
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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Co-branded store credit cards or
rewards credit cards?
With today's social distancing, many prefer online shopping to visiting a local store. As a result, many retailers started offering convenient services like online grocery delivery, free shipping, pickup options, or other benefits. Some services may be available to co-branded card members for free, so you may want to apply for one of such credit cards. However, while it may be tempting to sign up for a co-branded card, we wouldn't recommend applying for it without getting to know and understanding how the card works and if it's right for you. Below, as an example, we took the Disney Star Wars credit card and a regular credit card to show you how the two are compared to each other.
Offer is not available
The Star Wars Visa card might not be the best option if you are after rewards
Here we are comparing basic features of two credit cards. As an example, we took the Disney® Visa® Card from Chase and a time-proven credit card with rewards and compared them. This simple side-by-side comparison can help you understand which card is worth applying. Look at the reasons why a co-branded store card is not a good idea.
REWARDS CREDIT CARD
our choice
on Discover's secure website
Excellent/Good Credit
CO-BRANDED CREDIT CARD
Disney® Visa® Card
Offer is not available
Excellent / Good Credit
REASON 1: NOT THE BEST SIGN-UP BONUS
The Darth Vader Chase card comes with a sign-up bonus of $50 in statement credit. Nice, but can be better. If you check out welcome bonuses of rewards credit cards, you can easily find a credit card with a sign-up bonus of $100 or even higher.
REWARDS BONUS
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn a $150 statement credit after you spend $500 on purchases in the first 3 months from account opening.2
REASON 2: POOR REWARDS
The Star Wars Chase card offers no increased rewards. You can only get the standard 1% in Disney Rewards Dollars for every dollar spent on qualifying purchases. Regular rewards cards always allow you to earn the basic 1% or 1 point on all purchases, plus extra rewards that may be as high as 5% cash back or 5X points. In addition, such credit cards can offer you various rewards options. You can choose to earn fixed cash back on all purchases or find a credit card with categories that earn elevated rewards.
REWARDS
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Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
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Plus, earn unlimited 1% cash back on all other purchases - automatically.
Earn 1% on everyday card purchases.2
REASON 3: LIMITED REDEMPTION OPTIONS
Even if you earn rewards with co-branded store credit cards, your redemption options will be limited to those stores. Every Rewards Dollar you earn with the Chase Star Wars credit card can only be redeemed for eligible Disney goods and services. Moreover, the rewards will expire five years after the month they were first earned. Regular rewards credit cards give more flexibility here. Many allow redeeming rewards as cash deposited to your bank account or simply cover any purchase with rewards. And such cards' rewards typically never expire.
REWARDS REDEMPTION
Redeem cash back any amount, any time.
Redeem Rewards Dollars for Disney goods and services at most Disney Locations.2
Rewards never expire
Rewards Dollars will expire 5 years after the month they were first earned2
REASON 4: INTEREST RATES
It's not a secret that store cards come with higher interest rates than regular credit cards. Plus, store cards rarely offer 0% introductory APRs. The Chase Darth Vader credit card has a 0% promo APR for the first six months. However, note that the offer is only valid for select Disney vacation packages. You will be charged an ongoing variable APR for all other purchases made with the card. Rewards credit usually do not impose restrictions on the type of purchases that is eligible for 0% intro APR. Moreover, they may offer a longer intro period.
INTRO APR ON PURCHASES
0% (14 months on Purchases)
0% (6 months)2
ONGOING APR
11.99% - 22.99% Variable APR
*See Terms
15.99%2
REASON 5: UNNECESSARY FEES
The Disney® Visa® Card comes with no annual fee. However, if you plan to travel with the card, you will definitely be disappointed with another fee - the foreign transaction fee. The card will charge you 3% of the amount of each transaction in a foreign currency. Do you really want to pay more when many rewards credit cards can now boast both $0 annual fee and $0 foreign transactions fee?
ANNUAL FEE
$0
None2
FOREIGN TRANSACTION FEE
None
3%2
Our choice for
online shopping 2021
Experienced consumers may like the Discover it® Cash Back card with its increased cash back on select purchases that change each quarter throughout the year. The card has no annual fee and can work well as a primary credit card or as an additional credit card to maximize rewards in changing categories. The sign-up bonus offer and zero introductory interest rate make the card an even more worthy deal the first year.
Rewards Bonus
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
Popular credit cards for
online shopping
our choice
Intro APR on Purchases
0% (15 months on Purchases)
Intro APR on Balance Transfer
0% (15 months on Balance Transfers)
Regular APR
13.49% - 23.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
Intro APR on Purchases
0% Intro APR (14 months on Purchases)
Intro APR on Balance Transfer
10.99% Intro APR (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 23.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$95
- Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help build your credit through responsible use of a card like this
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% (18 months on Balance Transfers)
Regular APR
13.99% – 23.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$39
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
our choice
Intro APR on Purchases
0% intro on purchases (for 12 months)
Intro APR on Balance Transfer
N/A
Regular APR
15.49% - 25.49% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
our choice
Intro APR on Purchases
0% (18 months on Purchases)
Intro APR on Balance Transfer
0% (18 months on Balance Transfers)
Regular APR
13.74% - 23.74% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
Annual Fee
$0
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
our choice
Intro APR on Purchases
0% (14 months on Purchases)
Intro APR on Balance Transfer
0% (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. Based Customer Service available any time.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
Best cards for shopping
for bad or no credit
our choice
- Initial refundable deposit of $300 becomes your credit limit
- 1% Cash back Rewards on every purchase
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- $0 fraud liability
- Checking Account Required
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Guaranteed Approval
No
Instant Response
Yes
- Bad Credit, Low Score? No Problem!
- Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
- Build your Credit with responsible handling of your account
- Receive a $750 Credit Line
- Easy Application with Immediate Results
- No Credit Check
our choice
Card Type
Unsecured
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See Terms
Guaranteed Approval
No
Instant Response
Yes
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
questions ABOUT
REWARDS CREDIT CARDS
Does Disney card offers the same cash back rewards as other credit cards?
With Disney Premier Visa Card, you will earn cash back rewards in Disney Rewards Dollars. This Dollars can be redeemed only towards Disney purchases (such as Disney Cruise Line, Disney Parks & Resorts, Disney Movies,...
Read moreWe are going to Disneyland soon. Should I get a Disney credit card?
If it is the Disney® Visa® Card you are considering, then it won't help you a lot. The card has 1% rewards, which is low even for co-branded cards. And the $50 statement credit is way surpassed by most of any cards. We...
Read moreWhere can I use the Disney card? Will it earn rewards for me? I buy lots of merchandise for my kinds.
You can use both of Disney cards anywhere Visa is accepted, since they are Visas. As for the rewards, it's different. With the Disney® Visa® Card, you'll earn rewards on all purchases, but just 1% back. With the Premier...
Read more
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Updated: July 26, 2021