Walmart, Kmart and Target Credit Cards are They Really a Good Deal?

Walmart, Target and Kmart have all jumped on the retail store credit card movement. These discount stores vigorously promote their store cards and Mastercards or seen with their logos on them. What better way to increase customer loyalty and expenditure offer immediate credit in the box? Target, Walmart and Kmart each have some sort of discount or rewards program to use your cards, but you may incur penalties for late payments and balances limit switch. Many savvy consumers are realizing that using regular cards with reward offers on them can save hundreds of dollars each year simply by offering better interest rate and characteristics of reward.


Target Redcards presented its customers with the intention to build brand loyalty and profits. The store credit card can not be used on the target, while the target Visa can be used almost anywhere. When customers use their Target credit cards, 1% is donated to schools of their choice. A 10% discount on purchases is given when you are approved the same day, and you get the same 10% discount when you order from Target.com Every $ 1 spent on target with its target as visa a point-and reward every $ 2 spent elsewhere, you earn a reward point also. The card shop Target Visa and Target are worth getting if you pay on time every month and do not carry a balance. Kmart has a similar credit card issued by Capital One that gives you an APR of 11.9% on purchases in store or online at Bluelight.Com. Again, the low passes 25% or more if you are late paying 2 times over a period of 6 months and $ 25 will be applied late. Walmart offers a Chase MasterCard card that gives you 9.99% fixed in April on balance transfers within a period of nine months. April for purchases on the credit card varies depending on the amount of credit, and ranges from 13.48% -21.48%. late fees and increased interest rates to 24.49% occurs when you make late payments.

If you are a disciplined customer and make your payments in full and on time each month, the discount store credit cards are worth your time. Be honest about your ability to pay the balances and find the terms and conditions carefully to avoid unpleasant surprises when your bill arrives. Compare prices and do not apply to credit card at registration, instead of taking home the information and decide if the credit card is right for you.