5 Store-Branded Cards That Can Be Worth Putting in Your Wallet

5 Store-Branded Cards That Can Be Worth Putting in Your Wallet

(Banana Republic and Old Navy cards have nearly identical rewards)
 

  • Benefits: $10 reward for every $200 you spend at any Gap (GPS) store or website (includes Old Navy, Banana Republic, Piperlime, and Athleta); 1 point per dollar spent elsewhere with the Visa option.
  • Annual fee: $0
  • Pros: Extra 10 percent off every Tuesday at Gap, Old Navy, and Piperlime for cardholders; special sales for cardholders; spend more than $800 in a year across all Gap brands and you'll be upgraded to Gap Silver, which includes free shipping on every online order.
  • Cons: Not many -- if you're a frequent shopper at these stores, this card is a no-brainer, especially if you spend enough to upgrade to Gap Silver (or Banana Republic Luxe).
  • Benefits: 5 percent off Target purchases, free shipping at Target.com, extended return periods.
  • Annual fee: $0
  • Pros: The debit card option gives you all the benefits of the credit card, with none of the credit woes.
  • Cons: You can't use it anywhere else.
  • Benefits: $50 Amazon gift card on approval, earn 3 points for every dollar spent at Amazon; 2 points per dollar on gas, restaurants, and drugstores; and 1 point per dollar spent anywhere else.
  • Annual fee: $0
  • Pros: Points are not capped and they never expire.
  • Cons: 100 points only gets you $1 in rewards, but that adds up fast if you're an Amazon addict.
  • Benefits: Two 15-percent-off coupons when you open the account; 12 additional discounts per year ranging from 15 to 30 percent.
  • Annual fee: $0
  • Pros: Stack offers with the generous Kohl's Cash rewards program; spend $600 per year to get an additional six discount coupons. Savings add up fast.
  • Cons: Can't use the card anywhere other than Kohl's (KSS).
  • Benefits: Lowe's (LOW) offers three different options for its card: 5 percent discount on all purchases at Lowe's; 0 percent financing for 6 months on purchases above $299; or 5.99 percent financing with fixed payments for a whopping 84 months on purchases over $3,500.
  • Annual fee: $0
  • Pros: For renovators, spreading out payments on big-ticket items like appliances and flooring can really help with cash flow. Frequent DIY-ers will appreciate the 5 percent savings option (not offered by competitor Home Depot).
  • Cons: You'll need to focus your spending here to get the maximum benefit, so you might not always get the lowest price; can't combine 5 percent discount with any other Lowe's coupon.
Like to spread your shopping dollars around? The Chase Freedom card could be a great option for you, especially if you shop online often. Chase's Ultimate Rewards portal offers discounts on a wide array of online stores, including a current offer of 5 percent cash back on Amazon purchases (capped at $1,500).
  • Benefits: $100 cash back if you spend $500 in the first three months; 5 percent cash back on purchases in quarterly "bonus" categories.
  • Annual fee: $0
  • Pros: The Ultimate Rewards shopping portal offers extra rewards at all sorts of retailers, from Apple (2x points) to Nordstrom (5x points) to a whopping 30x at Magazines.com.
  • Cons: You have to keep up with the changing categories and remember to log in to the portal to get your points; some categories cap rewards.
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