I have a Bloomingdale's store credit card and a VISA line of credit with it. I have to say it is worth it, but only if you pay your bill off on a monthly basis. I earn $25 reward certificates once I spend a certain amount. I get 1% back on all my VISA purchases and 3% on my Bloomingdale's purchases (6-9% during special promotions). It really is worth it because I purchase a lot of home stuff there. I would have to say in the past year, I earned about 9 or 10 certificates, which gave me about $250 to spend on any item in the store. I get all my packages from the store delivered for free as well as free unlimited gift wrap and at times 50% at the Bloomies restaurants. They also offer discounted (albeit still pricey) travel packages as well as cultural events. Most store cards offer some coupons or private sale invitations, etc. I know Saks has a program, SaksFirst, but you really have to spend in order to get any type of real benefit. Those who have the card tell me it is not worth it. Bergdorf Goodman also has a rewards earnings program, but it is out of my league. In general they are not worth it but if you manage them correctly they can pay you for being a customer, which works for me. I would stay away from the cards like JCREW, Banana Republic (although they also have some type of reward certificate program), Gap, etc. Hope this helps.