Value City Credit Card is an excellent Credit Card, if you have reasonable credit (or better). Their APR is very high (approaching or actually over 20%. If you are applying, recommend getting a higher credit score.) If you are unsure what your Credit Score is, apply anyway for a free report. Most importantly, when you decide which Credit Card to apply with, choose the one that has the lowest interest rate.
The Value City card has no annual fee and no late fees. You can get an annual statement with detailed information about your credit scores and accounts. This will save you time and money. You will also be able to see if there are any errors on your reports. The Value City credit card has a reward program. You can earn points towards your purchases and use them towards your next purchase.
The Rewards are decent. I was a bit surprised that they offer air miles and other perks. It seems they are trying to compete with American Express and other credit cards that have similar offers. On the plus side, you can get a rebate on any purchases. They also have a department store that carries many different items. You can get a lot of good stuff from this store.
What is a bit disconcerting is that they do not offer you an emergency service in case you lose your card. I guess they think you would be safer without it. The customer service for the Value City Credit card is very poor.
I suppose the only thing that redeeming your points means is having the funds available to pay for future purchases. The Value City Credit Card has a zero percent balance transfer rate. They have an average age of 6. I am not sure why they are targeting young people. Maybe they are trying to appeal to the younger generation to try and woo them away from their debit or credit card?
If you are looking for a credit card with rewards, the Value City card might be worth checking out. It might just be what you need. However, do your homework before you apply.
There are a lot of cards out there that claim to be zero interest when it comes to shopping. What they don't tell you is that you will have to charge things on the account to earn the reward. You usually have to pay the balance before they start offering rewards. This can be quite confusing.
The Rewards that the Value City credit card offers are a decent one. You will receive a free bottle of shampoo for every purchase you make, a free bottle of water, and a free $5 shopping card. What you do not receive is an emergency service or a statement. You can get over the limit fees waived as long as you pay your balance before the end of the month.
Overall, the credit card is easy to understand and convenient to use. I would recommend getting one if . . . . . . you are in the market for a credit card. However, you must do your homework before applying. Find out all you can about the company before making a decision. If you do your homework you should be able to find a card that suits your needs.