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2020 Review: The Best Store Credit Cards

store credit cards review

Which credit card is best? With endless options, it can be hard to choose.

That’s why we’ve compiled a complete list of all the best department store credit cards so you can easily compare different credit card perks in one place! Here you can look at credit cards for bad credit, and some of the easiest department store credit card to get.

Our Store Credit Card Guide:

Credit cards can offer a lot of benefits. You can use them to better budget yourself, when you need extra funds to pay for something, or to accumulate cashback, points, and rewards.

If you need to pay for a larger purchase in installments, you can also take out a Check City Installment Loan and avoid any hassle with multiple credit cards.

Best Buy Credit Card

Get 5% back in rewards for Best Buy purchases and 6% back if you are an Elite Plus Cardmember. Gest the Best Buy Visa Card and also earn 3% back on gas, 2% back on dining and groceries, and 1% back on everything else.

Recommended Credit Score:

Average to Excellent (630 to 850)

Fees:

Annual fee of $0 to $59 depending on your level of creditworthiness

Cash advance fee of $10 or 5% depending on which is greater

Interest Rate:

at least $1

PROS CONS
flexible financing only on purchases of $199+
get 10% back in rewards on your first day of purchases application needs approval
offer both credit and visa cards credit card is for Best Buy purchases only
there are annual fees
there are cash advance fees

The Best Buy Cards are issued by Citibank. If you get the Best Buy Visa Card then you can also enjoy benefits like 3% back on gas, 2% back on dining and groceries, and 1% back on everything else. But the Best Buy Credit Card doesn’t have this option. It is only used for Best Buy purchases online and in stores.

Walmart Credit Card

Get 5% back at Walmart.com, the Walmart app, grocery pickup, and delivery. Get 2% back in Walmart stores, Walmart fuel stations, restaurants, and travel expenses. Get 1% back everywhere else.

Recommended Credit Score:

Fair to Excellent (630 to 850)

Fees:

$0 annual fee

$0 fraud liability

3% balance transfer fee

3% or $10 cash advance fee, whichever is greater.

Interest Rates:

variable rate of 17.99%, 23.24% or 26.99% depending on the level of your creditworthiness.

PROS CONS
mobile friendly app only 2% back in stores
card lock available can only use Walmart fuel stations for the 2% back
get security alerts on your phone credit approval required
you are not liable for fraudulent purchases balance transfer fees

Walmart has 2 kinds of cards—the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card. Your credit score has to meet minimum credit approval requirements with Capital One before they will approve you for the Walmart Credit Card.

Credit Card for Children’s Place

Get 30% off your first purchase, 25% off on your children’s birthdays, 20% off just for getting the card, and get 2 points for every $1 you spend and 100 points for every $5 you spend.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

Shipping fees

Interest Rates:

27.24% APR

PROS CONS
can be used at the Children’s Place or Gymboree can’t be used outside the store
earn 100 points for every $5 you spend subject to credit approval
get birthday rewards can only register 4 of your children’s birthdays

The Children’s Place Credit Card is issued by Comenity Capital Bank. They specialize in branded credit cards. You can get lots of discounts by using a credit card from Children’s Place, but you can’t use it outside the store and there isn’t a lot of available information about the potential fees and interest rates.

Home Depot Credit Card

Get $25 off purchases of $25 to $299, $50 off purchases of $300 to $999, and $100 off purchases of $1,000 or higher.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Interest Rates:

7.99% fixed APR for Project Loans

17.99% to 26.99% APR depending on your level of creditworthiness for the Consumer Card

PROS CONS
get up to $100 off your Home Depot purchases Home Depot Purchases only
financing terms of 6 to 84 months available only get other savings at participating fuel stations with the commercial cards
can borrow up to $55,000 for a Project Loan
no interest for the first 60 days after a purchase

Home depot has 4 major credit cards—the Home Depot Consumer Credit Card, the Home Depot Home Improver Card (the Project Loan Card), the Home Depot Commercial Revolving Charge, and the Home Depot Commercial Account. You can use the Consumer Card and the Project Loan for your own personal use and you can use the Commercial Cards for your business.

Lowe’s Credit Card

Get $5 off every day on all your Lowe’s purchases. You can also get 6 months of special financing, 84 months of fixed monthly payments, and credit cards for your business.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Interest Rates:

7.99% APR on the Lowe’s Advantage Card

26.99% APR with a minimum interest charge of $2 on the Lowe’s Business Cards

PROS CONS
get 5% off on everything Lowe’s Purchases only
special 6 month financing terms available minimum purchase of $299
84 month terms available minimum purchase of $2,000

Lowe’s has one card for personal use called the Lowe’s Advantage Card. With it you can take part in exclusive events and discounts for cardholders and get 5% off on all your Lowe’s purchases. You can also use their 6 to 84 month financing on larger personal purchases.

Lowe’s also has 4 cards for your business—the Lowe’s Business Credit Cards and the Lowe’s Preload Card. These can also get your business 5% off every day, and get you discounts on deliveries and larger lines of credit.

Kohls Credit Card

Get $35 off your first Kohls purchase after getting the Kohls Credit Card. You can also enjoy extra savings, Kohls cash, anniversary offers, mobile payments, and Most Valued Customer benefits after spending $600 at Kohls in one year.

Recommended Credit Score:

Good to Excellent (680 to 850)

Fees:

$0 annual fees

Late fees up to $38

Interest Rates:

26.49% APR

PROS CONS
get exclusive offers throughout the year balance transfers aren’t allowed
get 15%, 20%, and 30% off coupons throughout the year savings aren’t consistent
special anniversary offer each year APR is a variable rate

The Kohls Charge Card is issued by Capital One. You can only use the Kohls Credit Card in their stores, but they do come with monthly discounts, and the ability to make returns without receipts. You can even become a Most Valued Customer (MVC) by spending $600 at Kohls in a single year. Then even more benefits will open up to you.

Get $20 off your first store purchase, get 5 points for every $1 you spend on their brands, get 1 point for every $1 you spend everywhere else, and get a $5 reward for every 500 points.

Recommended Credit Score:

Fair to Excellent (600 to 850)

Fees:

$0 annual fees

$0 fraud liability

Interest Rates:

26.99% APR

PROS CONS
fraud prevention chip
extra 20% off
free shipping
free basic alterations on Banana Republic clothes
same benefits apply at all Gap stores
can be used anywhere that accepts Visa

The Old Navy Credit Card is a part of the Gap Brand. This means that Old Navy Credit Cards, Gap credit cards, Banana Republic Credit Cards, and Athleta Credit Cards all come with the same benefits and can be used interchangeably amongst these 4 stores.

The Gap brand credit cards are all issued by Visa, which means that they can all be used anywhere that accepts Visa cards, not just inside their stores. So you can use them for all your shopping, get 1 whole point for every $1 dollar you spend, and watch your clothes start paying for themselves.

TJ Maxx Credit Card

Get $10 off when you sign up for a TJ Maxx Rewards Card. Earn 5% back in the TJ Maxx family of stores, get 5 points for every $1 you spend in stores and 1 point for every $1 you spend anywhere else.

Recommended Credit Score:

Fair to Excellent (620 to 850)

Fees:

$0 annual fees

Interest Rates:

27.24% APR

PROS CONS
same benefits apply at TJ Maxx, Marshalls, Home Goods, Sierra Trading Post and Homesense can only redeem rewards in the TJ Maxx family of stores
earn 5% back in rewards when you shop in the family
get invites for exclusive offers
can be used anywhere that accepts Mastercard

The TJ Maxx Rewards Credit Card is a part of a larger family of stores. You can also get these same discounts and points at Marshalls, Home Goods, Sierra Trading Post, and HomeSense.

The TJ Maxx Card is issued by Synchrony Bank and Mastercard. It can be used outside this family of stores so you can get 1 whole point for every $1 dollar you spend outside their stores. Rewards can only be redeemed inside their stores.

Amazon Credit Card

Get 5% back on all your Amazon purchases, get 2% back at restaurants, gas stations, and drugstores, and get 1% back on everything else. The Amazon Credit Card also offers 6, 12, 24 month financing terms and 0% APR.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Annual Prime Membership fee

$0 fraud liability

Interest Rates:

0% APR

PROS CONS
use financing terms to make purchases in installments you need an Amazon Prime membership
0% APR
you are protected against unauthorized purchases
can use anywhere that Visa is accepted

The Amazon.com Store Card can offer you financing, zero fees and interest rates, limited time offers, protection against fraud and money back on all your Amazon purchases. It can also get you a percentage back on all your other purchases.

Costco Credit Card

Get 4% back on gas, 3% back on restaurants and travel, 2% back on Costco purchases, and 1% back on everything else.

Recommended Credit Score:

Very Good to Excellent (750 to 850)

Fees:

Yearly Costco Membership fees

$0 foreign transaction fees

Interest Rates:

16.74% APR variable

PROS CONS
earn back the most on gas and travel if you don’t travel a lot
can use anywhere that Visa is accepted you need a Costco membership
you can use this card in other countries if you don’t visit other countries

Your Costco Anywhere Card also doubles as your Costco membership ID. It can also get you an extended warranty on your purchases. Costco also offers cards for your business needs.

Target REDcard

Save 5% on all your Target purchases, enjoy free 2-day shipping, an extra 30 days on returns, and special gifts and offers throughout the year.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fee

$40 cash withdrawal fee on the Target Debit Card

Interest Rates:

25.15% APR variable

PROS CONS
link Target Debit Card to existing checking account $40 cash withdrawal fee
10% discount coupon on your card’s anniversary can only be used at Target

Target has both a Target REDcard Credit Card and Target Debit Card. The Target Credit Card, however, can only be used at Target, so you can’t get points or cashback on other purchases.

How to Pick a Credit Card:

The key to picking out a credit card is knowing which one will most benefit you specifically.

First, think about where you shop the most. You’ll get the most benefit from that card because their best perks are usually for in-store or online purchases. If you don’t know where you shop the most then go to your bank account statements and look at your transaction history.


How Much Money Do YouTubers Make?

How much do youtubers make?

Have you ever wondered how YouTubers can afford to spend all that time making viral videos?

Becoming a successful YouTube star may not be as easy as it sounds, but it is possible.

Explore this Article

YouTube has taken over the vlogging scene with full-force, creating a growing arena of self-employed, money-making vloggers. It’s easy to see why using YouTube’s platform has become such a lucrative business for some.

For instance, YouTube has become the second largest search engine in the entire world, and one of the most visited sites on the web. It has been estimated that all of us together spend a billion hours a day watching YouTube videos, and over 400 hours worth of videos are uploaded to YouTube every minute. youtube video genres YouTube has become such a giant generator of content that it has even developed its own list of genres, or “niches.”

YouTube Genres:

  • Gaming
  • Lifehacks
  • Gossip
  • News
  • Top [#] lists
  • Fail compilations
  • Food
  • Art
  • Product unwrapping and opening
  • How-to demonstrations
  • Animals
  • Spoofs
  • Online education course
  • Hauls

Facts about Earning on YouTube

To start off our understanding of how much YouTube stars can and do make, let’s take a look at some cold hard facts. The following are some lists of the top most successful YouTubers in the year 2015, 2017, and 2018 along with how much they earned that year:

youtube earnings chart

Needless to say, these are some impressive numbers. A lot of people would love to make these kinds of figures each year while being working from the comfort of their own home doing something they love. So how does it work? How do people make money on YouTube?

How YouTubers Make Money

There are many ways that YouTubers make money, and it’s often because they’re branching out, partnering with others, and creating a brand for themselves that goes beyond their YouTube channel alone. Below is a list of some of the most common ways YouTubers are making money:

1. Ads

There are 2 kinds of ads: Cost Per Thousand (CPM) ads pay you per thousand views and Cost Per Click (CPC) ads pay you each time someone clicks on the ad on your channel.

Your money goes to your AdSense account. You can direct deposit your earnings out of your AdSense account when there’s more than $100 in it.

2. Merchandizing

Many YouTubers end up making their own products like makeup, clothes, t-shirts, fan gear, and many others.

3. YouTube Partner Programs

When you are part of a YouTube Partner Program you can get paid for views and ads on your page. You can also access a large variety of content creation tools and get an opportunity to win prizes based on the number of views you have.

But you have to qualify for the program:

  • Your YouTube channel needs to reach 4,000 watched hours and 1,000 subscribers in the past 12 months.
  • You can apply for the membership anytime, but to get the top rated partner programs, you should have accumulated 15k of watched hours over the last 3 months.
4. Affiliate marketing

YouTubers can get paid to reference or recommend a product or service to their viewers. Online shopping sites will pay YouTubers a commission for any traffic or sales they get from the YouTuber referring viewers to their product.

They usually get paid based on how many people click the link to the product and how many people actually buy the product through that link. This can be done by a YouTuber in any of the following ways:

  • A video unboxing the product you are trying to sell
  • A video in which you recommend the product or service
  • A video reviewing the product
  • Links to the product in the video’s description
5. Sponsorships

A brand will sometimes pay YouTubers to create a video specifically about their product. Sometimes the brand will sponsor the entire YouTube channel and then the YouTuber has to use, recommend, or mention the product in every video. Sponsorships aren’t easy to get, and usually only come to YouTubers who have already made a name for themselves.

YouTubers can charge their sponsors anywhere from $10 to $50 per 1,000 views. So if the video hits 1 million views, then the YouTuber makes anywhere from $10,000 to $50,000 for that one video.

6. Crowdfunding or Patronage

Patreon is currently one of the most popular examples that online entrepreneurs like YouTubers use to make money off their craft.

By becoming a patron on patreon fans can get extra perks like extra content, behind the scenes footage, bloopers, and more.

7. Live engagements

Depending on what your YouTube channel is about you can also get paid to do live events, like speaking.

Why Doesn’t Everyone Become a YouTube Star?

youtube income

You may be thinking at this point about quitting your job and starting a YouTube channel of your own, but there are some cons to online self-employment. Yes, some YouTubers can make a lot of money from their branding and their channel, but MOST YouTubers don’t.

To put it in perspective, 90% of all YouTube views only go to a small 3% of YouTubers. Also, 97% of all aspiring YouTubers don’t make it across the U.S. poverty line ($12,140) with their YouTube channel earnings. Even if you do manage to make it to the top 3%, you’re looking at making an average of $16,800 a year, which is not very much.

Below are some other cons to remember before putting all your hopes on the success of a YouTube channel:

  • Advertisers don’t always pay very well.
  • Not all sponsorships are paid. Some come in the form of free goods or services instead.
  • YouTube takes 45% of what advertisers pay you.
  • Many YouTubers are a part of an agency or multi-channel network, and these partners will take a cut of your earnings too.
  • Personal costs for equipment or anything else you might need for your videos.
  • It takes a lot of your personal time to create quality content that will do well.

YouTubers can make money from their channels, but those who are actually successful at this are often branching out and making money in other ways as well. Their YouTube channel is often just one part of their larger brand. If you’re an aspiring YouTube star and need help with funds to get started, you can take advantage of the Check City Personal Loan and expand your brand as well. Isn’t it amazing that we live in a world where personal branding and creativity can allow so many a livelihood doing what they love?

READ MORE

Watch the Check City YouTube Channel!

Visit the Influencer Marketing Hub to see how much different YouTube stars made in 2015.

Visit the G2 Learning Hub to see their figures for how much different YouTube stars made in 2017.

Read Forbes’ article “Highest-Paid YouTube Stars 2018: Markiplier, Jake Paul, PewDiePie And More” to see how much different YouTube stars made in 2018.

Read the article “How Much Do YouTubers Make? (A Lot!)” to learn more about how YouTubers are making money.

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