Signing up for a new credit card can offer you a great means of stretching your spending power.

It also builds your credit score and nabs you some neat bonuses for signing up or spending money depending on the kind of card you get. But it’s also important to keep your credit card’s interest rate in mind. The APR – or annual percentage rate – is the rate of interest you’ll be hit with if you fail to pay off your monthly credit card bill on time.

Many stores offer their own credit cards nowadays, many offering extra benefits for frequent shoppers. But some of these store cards are also notorious for especially high APRs and relatively lame bonuses, too. Here are the worst offenders:

(adsbygoogle = window.adsbygoogle || []).push({});

GameStop PowerUp Rewards Credit Card

Even for the most hardcore gamers, 29.24% APR is a bad deal, especially when coupled with the GameStop PowerUp Rewards Credit Card’s terrible rewards. The sign-up bonus is 5,000 points (roughly $5 in-store credit) for standard members, or 15,000 points (a whole $15) for GameStop PowerUp Rewards Pro members, which as an entirely separate GameStop subscription that already costs an extra $15.

Staples More Account Credit Card

Featuring a horrendous 30.24% APR for a personal account, Staples More Account Credit Card only gives you 5% back on Staples purchases and free shipping on orders over $49.99. So unless you’re buying a ton of office supplies on a near-constant basis, there are plenty of other cards with way better savings, rewards, and benefits packages, along with much lower APR.

(adsbygoogle = window.adsbygoogle || []).push({});

Zales The Diamond Card

If you’re buying lots of diamonds at retail for whatever reason, Zales The Diamond Card might seem tempting. It offers $50 off on your birthday, free shipping, and 10% off on jewelry repair services. Of course, this comes with a whopping 29.99% APR, which barely does anything to make up for a nice discount on a single day once a year.

Piercing Pagoda Credit Card

The Piercing Pagoda Credit Card isn’t just bad. It’s unimaginably bad. With a 29.99% APR and the sole benefit of $25 off on your birthday, there is no reason that anyone should ever get a Piercing Pagoda Credit Card. With no extra benefits or cash back for Piercing Pagoda purchases, even someone covered in piercings who constantly buys new studs and rings gets no real mileage out of this massive dud of a card.

[shortcode-1-In-Article-Banner-728×60]

BrandSource Credit Card

With the highest APR on this list at 30.74% and no benefits or rewards to speak of, the BrandSource Credit Card might be one of the worst credit cards in history. Why would anyone buy it? What could you possibly hope to gain from this card, aside from horrible fees should you fail to make a payment. You’re better off going with Piercing Pagoda. At least they give you a measly $25 on your birthday.

Overall, store credit cards don’t tend to be the best way to go if you have other credit card options. Their benefits tend to be limited and sometimes even nonexistent, and their APRs are unusually high. Be careful when signing up for a new credit card, and be sure to do your research. Liking a store isn’t a good enough reason to go with their card.

Dan Kahanis a writer & screenwriter from Brooklyn, usually rocking a man bun. Find more at dankahanwriter.com

string(4511) "
Signing up for a new credit card can offer you a great means of stretching your spending power. 
It also builds your credit score and nabs you some neat bonuses for signing up or spending money depending on the kind of card you get. But it's also important to keep your credit card's interest rate in mind. The APR – or annual percentage rate – is the rate of interest you'll be hit with if you fail to pay off your monthly credit card bill on time. 
Many stores offer their own credit cards nowadays, many offering extra benefits for frequent shoppers. But some of these store cards are also notorious for especially high APRs and relatively lame bonuses, too. Here are the worst offenders:
 (adsbygoogle = window.adsbygoogle || []).push({}); 
GameStop PowerUp Rewards Credit Card
Even for the most hardcore gamers, 29.24% APR is a bad deal, especially when coupled with the GameStop PowerUp Rewards Credit Card's terrible rewards. The sign-up bonus is 5,000 points (roughly $5 in-store credit) for standard members, or 15,000 points (a whole $15) for GameStop PowerUp Rewards Pro members, which as an entirely separate GameStop subscription that already costs an extra $15. 
Staples More Account Credit Card
Featuring a horrendous 30.24% APR for a personal account, Staples More Account Credit Card only gives you 5% back on Staples purchases and free shipping on orders over $49.99. So unless you're buying a ton of office supplies on a near-constant basis, there are plenty of other cards with way better savings, rewards, and benefits packages, along with much lower APR. 
 (adsbygoogle = window.adsbygoogle || []).push({}); 
Zales The Diamond Card
If you're buying lots of diamonds at retail for whatever reason, Zales The Diamond Card might seem tempting. It offers $50 off on your birthday, free shipping, and 10% off on jewelry repair services. Of course, this comes with a whopping 29.99% APR, which barely does anything to make up for a nice discount on a single day once a year.
Piercing Pagoda Credit Card
The Piercing Pagoda Credit Card isn't just bad. It's unimaginably bad. With a 29.99% APR and the sole benefit of $25 off on your birthday, there is no reason that anyone should ever get a Piercing Pagoda Credit Card. With no extra benefits or cash back for Piercing Pagoda purchases, even someone covered in piercings who constantly buys new studs and rings gets no real mileage out of this massive dud of a card. 
[shortcode-1-In-Article-Banner-728x60]
BrandSource Credit Card
With the highest APR on this list at 30.74% and no benefits or rewards to speak of, the BrandSource Credit Card might be one of the worst credit cards in history. Why would anyone buy it? What could you possibly hope to gain from this card, aside from horrible fees should you fail to make a payment. You're better off going with Piercing Pagoda. At least they give you a measly $25 on your birthday.
Overall, store credit cards don't tend to be the best way to go if you have other credit card options. Their benefits tend to be limited and sometimes even nonexistent, and their APRs are unusually high. Be careful when signing up for a new credit card, and be sure to do your research. Liking a store isn't a good enough reason to go with their card.
Dan Kahanis a writer & screenwriter from Brooklyn, usually rocking a man bun. Find more at dankahanwriter.com
"

It always starts the same way: I’m lying in bed, eyes wide open, doom-scrolling my way through the horrors of the world — climate change, inflation, AI replacing everyone, weird vibes from my boss. My heart races, my brain pings around like a pinball machine, and just when I think I might try deep breathing

Traditional weddings can be incredibly stressful, not to mention super pricey – many newlyweds couldn’t even buy a house with that money. What’s supposed to be the happiest day of your life can often feel like an endless quest for absolute perfection – almost as if the ceremony doesn’t come off flawlessly, the marriage itself

By Massimo Tornambe Scott Disick, aka “Lord Disick” has gained fame and a devoted following since his appearances on the reality show, Keeping Up with the Kardashians. Disick is renowned for his expensive taste in clothes, cars, and women. The question that millions of fans are asking is: where did his fortune come from? Scott

There’s a weird shift that happens when your kid turns 18. One minute, you’re mushing their vegetables and cutting their grapes in quarters, and the next, you’re side-eyeing the dinner check, wondering: Wait… are they going to offer to pay? Should I let them? Do they have enough in their checking account to cover an

Conversations about the Law of Attraction are super popular these days. Basically, it means: positive thoughts bring positive results into a person’s life. And negative thoughts or habits . . . Well. Let’s not bring negativity into this 🙃.  Many folks are eager to turn their lives around — seeking love, peace of mind, happiness,

As the old saying goes…the proof isn’t only in the pudding it’s in your closet, your cupboards, your back porch and – if you have one – your garage. You’ve got too much stuff. Everywhere. It’s not just a bunch of grandmas building enormous collections of margarine tubs or Uncle Bill’s believe it or not

Though the wave of tech layoffs and the threat of a recession has overshadowed yesteryear’s news of the great recession, everywhere you look, employees are asking for more — and getting it. Though this time of uncertainty could have given employers back the power, it’s still in the hands of the workforce. From Gen-Z’s boundary

The Momager May Be Worth More Than You Think… Kris Jenner is a pop culture icon for many reasons. While you may have watched her meteoric rise to fame on Keeping Up with the Kardashians — which originally debuted on E! — she’s actually been a fascinating figure in the public eye for ages.  As

Everyone says the economy’s healthier than ever, but some of us still find it necessary to make that paycheck stretch…and stretch…and stretch. The better we understand our spending habits, the better we can manage them. Living frugally can benefit you in many ways. You’ll grow more self-reliant, creative, and resourceful as you learn to make

Spring is in the air — and while you’re clearing out closets and scrubbing the back corners of the kitchen drawers, why not do a deep clean on something that really weighs you down? We’re talking about debt. Yep, those sneaky credit card balances, student loans, Buy Now Pay Later plans, and subscriptions that keep