There are so many Forever 21 locations near me, but I shop at other stores, too. Is it a good idea to apply for store credit cards from all the shops I frequent?

Answered on March 10, 2018
Updated on March 10, 2018
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
If your credit is good and you want to take advantage of special offers that each store card gives their cardmembers, there is no reason you can't carry cards from every store you shop at. However, you might want to give it some serious thought first. For one thing, applying for a lot of credit cards in a short period of time can be bad for your credit score. Each time you apply, there's a hard inquiry into your credit report, resulting in a small ding to your credit. Too much new credit too fast isn't the best way to keep your credit score healthy. For another thing, you could be using a cash back credit card that gives you even greater rewards for all your purchases. That means fewer cards to carry, and better rewards too. Before you start applying at the registers of all your favorite shops, take a look at what rewards credit cards have available and might be even better choices for you.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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Valero has a tiered rebates system. You earn 4¢ per gallon on every gallon purchased when you purchase at least 50 gallons per billing cycle or earn 8¢ per gallon on every gallon purchased when you purchase at least 75 gallons per billing cycle (up to a maximum of 110 gallons). Gas rebates will automatically appear on your monthly billing statement. For more traditional and easy to understand reward options, see general rewards credit cards and especially cash back cards. Those give you simple cash back every time you purchase anything anywhere and rewards are also redeemable everywhere.
If you have an excellent credit there are a lot of credit cards that will bring you more benefits than JCPenney rewards credit card. If you want to save on shopping with a credit card at your favorite stores, you may choose a regular credit card with cash back rewards.
Consider frequent flyer credit cards to earn miles and enjoy air travel benefits. Study the features associated with these credit cards carefully. Hope you will find the credit card right for you.

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