Best Credit Cards

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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

With the popularity of online retail shopping growing and becoming the norm for many shoppers, it is no surprise that almost every retailer has their own credit card. Cash is no longer king, but plastic is definitely in the running for the throne. The question is which cards to apply for and which to avoid. Sometimes the decision is not as simple as you think and there may be more things to consider than you originally thought. Especially when it comes to store cards like the Kmart store card for example. Is it worth getting?

Best Credit Cards
0% Intro APR
$0 Annual Fee
for Limited Credit
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 24.99% (Variable) $0
Card Details:
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • 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 strengthen your credit for the future with responsible card use
Consumer Rating: 5 / 5
Sears Card®
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
n/a8 n/a8 25.49%8 $08
Card Details:
  • $0 Liability on unauthorized purchases.8
  • Additional users at no extra cost.8
  • Use at Sears, Kmart, Sears.com, Kmart.com, Lands′ End, and more.8
Consumer Rating: 3 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A N/A $0
Card Details:
  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time
Consumer Rating: 4 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
0% intro on purchases for 9 months 0% intro on balance transfers for 9 months 23.24% (Variable) $39
Card Details:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Consumer Rating: 5 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
n/a 0% (15 months (on balance transfers made within 45 days of account opening)) 14.99%, 19.99% or 24.99%* Variable $0
Card Details:
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 14.99%, 19.99% or 24.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Consumer Rating: 5 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 15.65% - 24.15% Variable $0 - $99
Card Details:
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
  • Zero fraud liability protects you from unauthorized charges
  • See if you Pre-Qualify without harming your credit score
Consumer Rating: 5 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 15.65% - 24.15% Variable $0 - $99
Card Details:
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
Consumer Rating: 5 / 5
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This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

Not Such Interesting Rates

Store cards are generally plagued with things to watch out for. Although they advertise beckoning sign-up incentives, you could take the bait and get hooked on the line for a lot more than you bargained for. For instance, the Kmart credit card advertises 50% of your next purchase in big bold letters. However, in the fine print you can see that the reward is only up to $50 in the form of a statement credit. With the kinds of interest rates that store cards are known to carry, if you do not immediately pay this entire bill you would easily forgo any discount, rewards, or savings you may have thought you would get. Most store cards have interest rates upwards of 19.99%, with some cards going as high as a 29.99% interest rate.


Not So Special Financing

At any given time store cards like the Kmart one, usually have several options for financing purchases that claim no interest. These offers usually revolve around large purchases such as jewelry, appliances, furniture, mattresses and any other kinds of purchases that require committing to a large lump sum of money. The kinds of things that cost a lot of money. The fact is you could actually pay a huge amount of interest when you see the phrases, no interest, interest free or special financing.

Double Your Rewards

Many store cards also advertise points. However, in many cases you do not need the store credit card to get them. For example, at the Kmart store you do not need their credit card to earn points. Points are available to all members of their loyalty program called Shop Your Way. If you use their loyalty program in conjunction with a traditional rewards-reaping credit card, you can probably see better rewards and more of a benefit than if you were to use their store branded card. If you use a traditional rewards card with a store loyalty program it could be like doubling your rewards.
READ ALSO RECENT FAQs:
July 01, 2016
In this case you can have your cake and eat it too. Kmart has a customer loyalty program called Shop Your Way. Being a member of this program will allow you to earn points without using their high interest rate credit card. Using a reward credit card together with the Shop Your Way membership will allow you to earn double the points. You will get the Shop ...
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June 12, 2016
I would use caution whenever you see a no-interest option on a credit card. This is very different from a 0% APR promotional period on a traditional credit card. When the promotional period ends on a traditional credit card you will begin being charged interest on whatever your balance is at that time. When a no-interest period ends on a store card you will ...
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May 08, 2016
No, if you have bad credit it is unlikely that you would be approved for any store card. However, there are many cards that cater to your type of credit. If you have bad credit it is important to only apply for a card that you will definitely get. Applying for a card you do not meet the criteria for will actually further harm you credit. When you apply for ...
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8 The card´s rates, fees and other terms are subject to change. Therefore, we do not guarantee that information presented on this page is current and up to date. Please, visit the bank´s or credit card company´s website to review the current Terms & Conditions.

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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.