Credit Card Rewards FAQS

You are right, RaceTrac offers only gift cards to consumers and fleet credit cards to businesses. If you want to earn RaceTrac rewards we recommend you consider general credit card with gas rewards. Or, if you prefer cash back rewards, you can apply for a cash back credit card. A general credit card can be used everywhere and will allow you to earn rewards on every dollar you spend. That means that not only gas purchases will earn rewards but other purchases as well.

You should be able to build your credit history as the Belk card is reported to at least one credit bureau. However, to qualify for the card, you should have at least fair credit history. If your credit history is lower than fair, we would recommend you consider a regular credit card for bad or limited credit, not a store credit card. You can also apply for a secured credit card.

There are several cards that could be recommended. Considering the high volume of different credit card options we have available today, there is a credit card for almost anyone. Whether you have limited credit or excellent credit, you should be able to get your hands on a decent cashback credit card. There are currently several cashback cards that will only allow you to collect about 1-1.5% cashback on the purchases. Although a basic cashback card would be a good enough option, you should try to apply for a card that offers more if you can.

Every single retailer would like to make you shop there and not at the other retailer. Various tricks are made up to make you return more and more and buy more. That's how co-branded credit cards appeared. They entice you with special offers but in exchange they tie you to this retailer only. The advantages of a store credit card may be the following: they can offer discounts, special deals, special financing and sometimes rewards. However, for all this goodness you pay with unusually high fees and interest rates. And promos of this retailer can make you shop for rewards and discounts when you don't actually need anything. That's why it may be risky to acquire a store credit card and...

Actually, the best way is to choose a credit card that allows you to get rewards or rebates on gas purchases using it. Credit cards with gas rewards will let you earn gas rewards and therefore you will be able to save on gas purchases. There are a lot of credit cards that will reward you at any gas station. So you can keep such card as a primary card to earn rewards for every dollar you spend and then use earned rewards to buy gasoline as most major banks offer products with gas rewards or with rewards per dollar spent. These cards are good for those who do not use a particular gas station to fill up. However, those who are loyal to one particular brand may also find these cards rewarding...

There are several cards that could be recommended. You can apply for any credit card for people with fair credit. Most fair credit cards come with different rewards programs, including cash back rewards. Some rewards credit cards come with an annual fee, so be ready to see this fee when you apply for a credit card. Also, pay attention to the interest rates. You may come across credit cards with 0% intro APRs but you should check out ongoing APRs as well because introductory rates won't last forever.

The Old Navy credit card can be used wherever Visa is accepted. This card gives you 5% at Old Navy store and 1% on all other purchases. But we don't recommend you to apply for this store credit card, because of its high interest rate and the lack of some bonuses. If you want to apply for a credit card that allows to save money, you should choose a regular credit card with cash back because it could allow you to double your savings.