Many retailers offer some heavy discounts if you use their credit or debit cards. You can earn points to get gift cards, free services, and even previews to upcoming sales. But remember, if you don't pay them off, the savings you're getting are basically void.
Here are some great deals available:
Pottery Barn: 10% back on every purchase.
Nordstrom: Earn 2 points for every dollar you spend at Nordstrom, Nordstrom Rack, and HauteLook. For every 2,000 points, you'll get a $20 Nordstrom Note, plus you get early access to their anniversary sale and reimbursement on alterations.
Bloomingdale's: Get a $25 rewards card for every 5,000 points you earn.
Macy's: Save 20% off your purchase the day you sign up and the day after.
Target Redcard: Automatic 5% rebate on everything you buy at Target (there is a debit card option, which means not having to worry about paying it off)!
American Express: Get free shipping with ShopRunner, when you shop at one of their participating retailers.
Gap Visa: Earn 5 point for every $1 you spend at Gap, Old Navy, Banana Republic, and Athleta.
TJX Rewards card: $10 Rewards certificate for every 1,000 points earned at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post.
Best Buy: 5% back (2.5 points per dollar/$5 reward for every 250 points).