The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate. The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the Card Cruncher tool to find the right card for you. The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application. Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement. The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store. The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. Those who frequently shop at BJ's can find decent savings with their store credit card. The credit card also features a decent 2% savings on gas and restaurant purchases – you also receive $0.10 off each gallon of gas purchased at BJ’s. BJ’s offers two no-annual-fee credit cards: The BJ’s Perks Elite and the BJ’s Perks Plus, both of which provide ample rewards for frequent customers of the wholesale club. The BJ’s credit card may not be as good as other cash back credit cards, but it’s still worth consideration. Depending on which card you get, you can get between 3% and 5% back on BJ’s purchases, and 2% back on gas and restaurant spending. The BJ's credit cards are a great deal as long as you don't mind getting in-store vouchers as rewards. BJ's Perks Plus Credit Card Annual Fee: No Annual Fee BJ's Membership Fee: $50Easy Renewal Discount: $10Rewards:3% back on most in-Club and purchases$0.10 off every gallon of gas purchased at BJ's2% back on dining out and gas purchases outside of BJ's1% back on all other spendi If you are the holder of a BJ’s Master Card issued by Comenity Capital Bank, you have a number of options to pay your monthly card bill, including paying: Online: Log in to your account at https://c.comenity.net/bjs/ and make your payment. By Mail: Send your payment to the following address: BJ’s MRewards3% cash back on most in-Club and purchases2% cash back on dining out and other gas purchases.1% cash back on other non-BJ's purchases everywhere else Mastercard is accepted. You can use your awards in-Club at the register in $20 increments.10¢ off/gallon savings at BJ's Gas® We all know the old saying, “A dollar saved is a dollar earned.” This is why you should save money anytime you get an opportunity. It could be a few dollars each day you go shopping, however, the savings add up pretty fast after a few months. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. We have not included all available products or offers. Learn more about how we make money and our editorial policies. Comenity Bank has been a pretty big player in the credit card industry for more than 30 years, but there’s a good chance you’ve never even heard of it. Comenity provides retail partners with their own private-label and co-branded credit cards, so when the time comes to brand the credit card, the name “Comenity” takes a back seat. Since Comenity has partnered with over 145 retailers to provide these credit solutions, it’s possible you have a Comenity or Comenity Capital Bank credit card account without even knowing. Whether you’re already a customer or in the market for a new credit card, understanding the financial institution behind many of these store cards might be worthwhile. Because at the end of the day, Comenity is the credit card issuer, and knowing more about the bank you might do business with can’t hurt. Comenity Bank provides financing solutions to many popular brands around the world — more than 145 retail partners to be precise. These financing solutions make their way to you as a consumer in the form of private-label and co-branded credit cards. If you’ve ever bought anything from a department store — which you probably have — you know exactly what I’m talking about. Those store cards the clerks always ask you if you’re interested in applying for? Comenity Bank was first formed as World Financial Network National Bank in 1989 with the goal of providing private-label credit card services to various retail establishments. While it changed its name to Comenity Bank in 2012, it continues to provide the same credit card services to its customers. Currently, more than 50 million cardmembers hold an account with Comenity Bank. Considering that Comenity provides credit programs on behalf of so many retailers, you might already be a cardmember yourself. Crew, New York & Company, Bed Bath & Beyond, Ikea, Overstock, and many more. Comenity Bank issues both private-label and co-branded credit cards for its retail partners. What are private-label and co-branded credit cards, you may ask? Private-label credit cards — also known as closed-loop cards or store credit cards — are credit cards or credit lines issued by a bank on behalf of a store. Store cards can only be used to make purchases from a single company or retailer, such as a department store. So, for instance, if you open a store card at Boscov’s, you can only use it at Boscov’s. Many store cards come with perks like discounts, rewards, special financing options, and even birthday gifts. They’re also generally easier to get approved for than regular credit cards. However, store cards also tend to have higher APRs (annual percentage rates) as well. This can be costly if you don’t pay your balances in full each month. On the other hand, co-branded credit cards — or open-loop cards — give cardmembers more flexibility in how they spend. This type of card bears the name of both the retailer and the network it's on — Visa, Mastercard, American Express, or Discover. These credit cards can be used in store and anywhere else that brand of card is accepted. You'll typically need a higher credit score to be approved for a co-branded credit card, and while its APR might not be as high as a store card, the rate will vary from card to card. To give you a better idea of what you can expect from one of these store cards or credit cards, here are a couple of examples of some of the best cards Comenity offers. Wholesale club prices are often hard to beat and make for great options for anyone looking to save while shopping. The BJ’s Perks Elite Mastercard takes wholesale prices up a notch, offering cardmembers 5% back on purchases at BJ’s, 2% back on dining and gas purchases, and 1% back on everything else. Many BJ’s locations have their own gas stations as well, and cardmembers can enjoy an instant discount of 10 cents per gallon when using a BJ’s Perks Elite Mastercard to fuel up. When you’re ready to get that cash back, it comes in the form of electronic awards issued in $20 increments. These awards can only be used at BJ’s, though — either at checkout or to pay membership fees. So while this card can be a great way to earn rewards on your shopping, you’re restricted as to how you can redeem them. BJ’s cashback awards also expire six months from the date they’re issued. There’s no annual fee for the BJ’s Perks Elite Mastercard, but shopping at BJ’s requires a club membership. For the BJ’s Perks Elite Mastercard, you have to be a BJ’s Perks Rewards member, and that costs $110 per year. For the best chance of being approved for this card, you’ll need a minimum of a good credit score. If you do a lot of online shopping, particularly for your home, the Wayfair store card might be beneficial. There's no annual fee, and new cardmembers can receive $25 off when spending $100 or more with the first use of the card. Cardmembers can choose between earning 3% back in rewards on every order or special financing on orders of $210 or more for up to 48 months (depending on the amount). Interest is deferred, so you’ll want to pay your balance in full before the end of the promotional period. Otherwise, the entire amount of interest from the date of purchase will be applied to your account. When you're ready to cash out, you can redeem your rewards in increments of $6 for every 200 points. Wayfair runs special offers from time to time as well, so there's the potential to earn even more rewards. With the Wayfair credit card, you aren't restricted to only shopping at Wayfair. In fact, you can use your Wayfair store card across all Wayfair-managed brands, which include Joss & Main, All Modern, Birch Lane, and Perigold. The APR for the Wayfair store card is pretty high, but if you never carry a balance, this won’t be an issue. For the best chances of getting approved, your credit score shouldn't be any less than a fair rating. Wayfair provides a tool to check if you're prequalified for a card, and since there's no hard pull involved, checking this won't impact your credit report. The Orbitz Rewards Visa might be a good credit card for some travelers, as it offers a generous rewards structure. When booking through Orbitz, you can earn 6% back on flights, up to 10% back on hotels booked on the Orbitz mobile app, and 2% back on all other purchases. As an Orbitz Rewards Visa cardmember, you're also automatically enrolled in the Orbitz Rewards Dining program and can earn up to 7% back at eligible restaurants. Orbucks never expire, and there are no blackout dates either, but they can only be redeemed on hotels booked through Orbitz. This card comes with a slew of other benefits as well, including baggage coverage, accident coverage, rental insurance, and complimentary Orbitz Rewards Gold status. This card has no annual fee, as well as no foreign transaction fees. Plus, as a new cardmember, you can get a $100 statement credit when you spend $1,500 on purchases within the first three months. The card comes with a variable APR, and you should have a good credit score when applying. The Williams Sonoma store card is another option for the avid home shopper. You can take 20% off when you open and use your Williams Sonoma credit card the same day. For every purchase after that, you’ll earn 5% back in rewards for every $1 you spend at Williams Sonoma. You’ll also have access to free standard shipping on all eligible purchases. As a new cardmember, you’ll receive a $20 welcome certificate after you get your new card. Every year on your birthday, you’ll receive another $25 certificate. After earning $25 in rewards, you’ll get a $25 certificate to spend at Williams Sonoma. There’s no annual fee for the Williams Sonoma store card, but the APR is high. Paying this high interest rate can easily be avoided, though, by not carrying a balance from month to month. The Bed Bath & Beyond Mastercard gives cardholders a pretty decent rewards structure. You can earn 5% back in rewards for every $1 you spend at Bed Bath & Beyond, buybuy BABY, Christmas Tree Shops and That, Cost Plus World Market, and Harmon Face Values. You can also earn 2% back for every $1 you spend on gas and groceries, as well as 1% back for every dollar you spend anywhere else Mastercard is accepted. Aside from rewards, Bed Bath & Beyond Mastercard holders can choose between six or 12 months of interest-deferred financing, depending on the amount of the purchase. Keep in mind that if the purchase balance isn’t paid in full within the six- or 12-month promotional period or you make a late payment, the entire amount of deferred interest will be applied to your account. New cardmembers can get a $25-off coupon for a purchase of $100 or more, and anytime you earn $10, you’ll receive $10 in rewards. For any spending done in the first six months outside of the aforementioned brands, you’ll receive a $25 gift certificate and an additional $75 gift certificate when you spend $1,000 and $6,000 respectively. When it comes to your interest rate, you’ll be given a standard variable APR based on your creditworthiness at the time you apply for the card. There’s no annual fee, and you’ll need a good credit score to get approved. The approval odds for store cards are known to be higher than traditional, unsecured credit cards. Just how likely your approval will be depends on the store, though. If you have less-than-stellar credit, store cards can be a good option to help you work toward rebuilding your credit. Additionally, with store cards, credit limits are often lower, thus making your spending more manageable. Make sure you pay your balance in full every month, though, as store cards are also known for having very high APRs. While the credit score needed to be approved for store cards varies from one store to the next, applicants with fair credit scores are often approved. When you apply for one of Comenity’s co-branded credit cards, you’ll be expected to have a higher credit score than what you would otherwise need for a store card. Since credit score requirements differ across stores, the best way to improve your odds of getting approved is to always practice good financial habits. If you're interested in applying for a new credit card and you're looking for a flexible option that allows you to earn rewards on your everyday purchases, both the Chase Freedom Unlimited and the Capital One Quicksilver are worth considering. Both cards offer generous cashback rewards that you can redeem for statement credits, gift cards, and more. With the Chase Freedom Unlimited, new cardmembers can earn a $200 cash back bonus after spending $500 in the first 3 months, plus earn 5% cash back on grocery store purchases (not including target or walmart; up to $12,000 in the first year). As a Freedom Unlimited cardmember, you'll also get 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases. That can add up to a big bonus at the grocery store as well as some decent rewards on your other purchases. The Capital One Quicksilver also offers generous rewards for your everyday spending. New cardmembers can earn a $200 cash back bonus after spending $500 in the first 3 months, and this credit card offers flat-rate 1.5% cash back rewards on every purchase, every day. It's a great option if you prefer straightforward and simple cashback rewards. Yes, Comenity Bank is a legitimate financial institution that's been in business since 1989. They currently have over 145 retail partners and over 50 million customers have Comenity retail credit card accounts. If you need to get in touch with Comenity Bank about your cardholder account, you have a couple of options. You can call the number on the back of your card and speak to a representative about your account, or you can log in to your Comenity account and call the number on your account statements. If you'd like to close your Comenity card account, you can do so by calling the number on the back of your card and speaking with a customer care representative. Comenity store cards can be very useful for getting things like discounts and special types of financing, but they can also come with high APRs, late fees, and excessive costs if you don’t pay off financing before deferred interest kicks in. Getting a store card might also be a good way to start creating a history if you have no credit; just make sure to pay your balances in full each month. As with any credit card, use it responsibly and ideally pay the card off so you get the most possible benefit from the rewards or discounts it offers.
date: 16-Aug-2021 09:34next
per page if you have a Chase Total Checking Account (or equivalent). Each blank page consists of three personal checks that Chase prints out on the spot. Just to be on the safe side, you might want to call up the branch before you to visit them just to make sure that they have counter checks available. If they do, don’t forget to bring your ID and possibly a debit card with you to the branch so they can look up your account easier. Also remember that some merchants don’t like to accept counter checks due to fraud concerns. You can always inquire with the merchant about that beforehand. Note: counter checks are different from Cashier’s Checks which are . Tip: Use the free app Wallet Flo to help you travel the world for free by finding the best travel credit cards and promotions! You can change the address on your checks as part of the ordering process, but this doesn’t change your address in the Chase system. So you’ll need to make sure to change your address directly with Chase which you can do Do Chase checks come with security features? Chase checks can come with lots of security features which include things like micro printing, heat reactive ink, chemically sensitive paper, fraud warnings, and other features. You should allow about 10 to 14 days for your checks to be delivered with a standard delivery. If you need checks sooner than that you can order express delivery which may be produced and shipped the next day. Ordering Chase checks and check books isn’t difficult at all and it can be done online, over the phone, or in-branch. If you’re not ordering directly through Chase, be sure to take down your routing number and account number so that you can fill out the forms properly. Upon Arriving has partnered with Card Ratings for our coverage of credit card products. Upon Arriving and Card Ratings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Daniel Gillaspia is the Founder of Upon and creator of the credit card app, Wallet Flo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider.