Chat no credit card needed
This actually just switched over to Wells Fargo, but I’m going to write about it anyway since it was Synchrony when we got it last year.(Technically it was GE, but whatever.) My verdict on this one: lame. The rewards are an anemic 1.3% for purchases at Dillard’s, gas stations, and supermarkets, and 0.67% elsewhere.
But then, Brooks Brothers clothing is a little pricier than, say, Old Navy. The most interesting / frustrating one of the four we have.Another point: Comenity does not offer any Amex cards, while Synchrony does.It can be nice to have an extra no-annual-fee Amex or two for things like Small Business Saturday.My final point: Synchrony’s marketing varies strongly from card to card.The Gap brands cards, for example, seem to get a lot of good marketing offers, while I’ve received no offers whatsoever on my Dillard’s Amex since the first month. 5% back for in-store purchases at Gap brands stores, 1% elsewhere. I got it after reading the write-up by Miles Abound wherein he details the ridiculously generous promotions offered for this card.And recently I got a nice 5X promo for groceries, gas stations, dining, and Costco.
Also, there are occasional cardmember discounts which you can combine with your rewards certificates.
One virtue of this card is that it’s a fee-free Amex.
You can see more info and a full review of the Dillard’s Amex card here. Not a whole lot of promotions on this one (though I have had a few recently–see here, here, and here), certainly nothing like the Banana Republic card.
So if you buy $150 in-store, that’s 300 points, which gets you a $10 reward. The rewards are lousy, only 1% back on purchases, even Stein Mart purchases.
It looks like the big draw with this one is periodic 10% discounts on purchases.
In my last post, I talked about credit cards issued by Comenity, one of the two major retailer credit card issuers.