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Retail credit cards have APRs as high as 30%—here’s why they’re typically not worth it

admin by admin
October 17, 2021
in Credit Cards
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Retail credit cards have APRs as high as 30%—here’s why they’re typically not worth it

“The store is looking to build loyalty,” Rossman says. “They often offer better rewards at purchases with their own stores [than at other retailers].”

But these rewards can distract you from the fact that, overall, the card may just not be that good.

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Beyond high interest rate considerations, Rossman says that consumers should factor in the opportunity cost of signing up for a retail card over an all-purpose card from an issuer like American Express or Visa. An all-purpose card may not give the same reward in the moment, but could offer better benefits overall.

“The best bank-issued cards typically require you to spend a few hundred or few thousand dollars in the first few months to get their sign-up bonus,” he says. “Even if a store offers you rewards, is the long-term benefit of the card as good as putting that exact same purchase on a general purpose card?”

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