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True value credit card: is it worth the rewards?



The True Value Credit Card is offered by the True Value store. True Value is a group of independent retailers and associates, who offer superior quality products and exceptional services with expert advice. This group operates all the True Value stores as well as some specialty business in hundreds of communities, across the United States and overseas. To make things simple for their customers, they have come up with their own credit card. The card is issued by the Comenity Capital bank, which determines all the eligibility conditions and promotions of the cardholders.


Features of the True Value Credit Card

The True Value Credit Card offers a lot of benefits and perks. Let us look at the features of this credit card, and then decide if it is suitable for you or not.

  • $10 discount on your first purchase
  • 3% on True Value purchases
  • 2% on grocery and gas purchases
  • 1% on other purchases
  • $5 off anniversary voucher
  • 12 months no interest policy
  • $0 fraud liability
  • Lowest purchase price guarantee
  • 24/7 road assistance
  • Online account handling


When you apply for the True Value Credit Card, you instantly get a $10 discount on your very first purchase. You also earn 3 percent on your True Value purchases, 2 percent on grocery and gas purchases, and 1 percent on every other purchase. Every year on your birthday or anniversary, you receive a voucher with a discount of $5.


All these benefits of the True Value Credit Card come with a no interest policy of 12 months, only if you pay your card balance in full on the due date of every month. If you fail to do so, you will be charged with the standard variable APR (Annual Percentage Rate) of this card. Moreover, to avail this offer, you need to spend a minimum of $299 on purchases. All these offers are subject to credit approval of the cardholder.


What’s more, the True Value Credit Card comes with a built-in fraud protection that provides $0 fraud liability against unauthorized charges on your credit account. It also offers the lowest purchase amount guarantee, according to which, if you find the same item at a lower price in some other retail store within 60 days of your purchase, then the difference between the amounts would be refunded to you. Additionally, you will receive 24/7 road assistance facility with roadside dispatch for battery jumpstarts, towing, flat tire changes, lockout services, and fuel or fluid deliveries.


Furthermore, with the online account handling feature of the True Value Credit Card, you can easily manage your account anytime on the go. You don’t have to visit the credit card issuer every time, you face a problem with your card, as you can just log on to their website or call on the customer care number. Additionally, you can pay your bill, view account transactions, update your personal information, view rewards and billing statements online.


The final thought

The True Value Credit Card is good for you, if you are a regular customer of the True Value stores. Otherwise, you need to think about it, as it does not work on any other retail store. Also, check out the terms and conditions and the interest policies and if you are comfortable with them, then only apply for this store credit card.


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