What are the Top Store Credit Cards of 2015?

Top Store Credit Cards of 2015: A Comprehensive Guide

As an expert in the world of credit cards, I am often asked to provide advice on which cards are the best for consumers. In this article, I will be discussing the top store credit cards of 2015 and why you should consider getting one.

What are Store Credit Cards?

Firstly, let's define what store credit cards are. These are credit cards that are issued by a specific retailer or brand, allowing you to earnrewards and discountswhen you shop with them. These cards often come with perks such as free shipping, early access to sales, andexclusive offers.

Top Store Credit Cards of 2015

So, which store credit cards were the best in 2015? Here are our top picks:

1. Amazon Prime Rewards Visa Signature Card - This card offers 5%cashbackon all Amazon purchases for Prime members, as well as 2% cashback on dining and gas. There is no annual fee for this card.

2. Target REDcard - This card offers 5% off all purchases at Target, free shipping on most items, and extended returns. There is no annual fee for this card.

3. Kohl's Charge Card - This card offers 15% off your first purchase, as well as exclusive discounts and offers throughout the year. There is no annual fee for this card.

4. Macy's Credit Card - This card offers 20% off your first purchase, as well as exclusive discounts and offers throughout the year. There is no annual fee for this card.

Why Should You Consider Getting a Store Credit Card?

Store credit cards can be a great way to save money and earn rewards when shopping at your favorite retailers. These cards often come with perks that are not available to regular shoppers, such as free shipping and exclusive offers. Additionally, many store credit cards offer cashback or points that can be redeemed for future purchases.

How to Choose the Right Store Credit Card for You

When choosing a store credit card, it's important to consider yourshopping habitsand preferences. Look for a card that offers rewards and discounts at a retailer that you frequent often. Additionally, make sure to read the terms and conditions of the card carefully, including any annual fees, interest rates, and rewards programs.

Tips for Using Store Credit Cards

To make the most of your store credit card, here are some tips to keep in mind:

1. Pay your balance in full each month to avoid interest charges.

2. Use your card only for purchases that you can afford to pay off.

3. Take advantage of rewards and discounts offered by the card.

4. Keep track of your spending and set a budget to avoid overspending.

Final Thoughts

Store credit cards can be a great way to save money and earn rewards when shopping at your favorite retailers. When choosing a card, make sure to consider your shopping habits and preferences, and read the terms and conditions carefully. By following these tips, you can make the most of your store credit card and avoid any potential pitfalls.