Is there one particular retail store you purchase all your electronic products? If you answered yes to the previous question, are you enrolled into their reward program and credit card? A lot of retail stores such as Best Buy, Circuit City and BrandsMart offer credit cards that award you gift points when you purchase in-store products and services and outside purchases. I like to shop at Best Buy and Circuit City, but I decided to get the Circuit City credit card because it rewards you 5% on every purchase versus the 4% through Best Buy. BrandsMart only you gives you 2% for purchases at BrandsMart USA ewww. What a bad deal. All three companies’ credit cards offer a 1% return for outside purchases which isn’t that bad.

Here’s a quick breakdown on your rewards points if you purchases a $1000 at all three retail stores.

• Circuit City -$50  Winner
• Best Buy- $40
• BrandsMart- $20

Another reason why I decided to go with the Circuit City card is because I have a lot more money invested in the company. I truly believe if you like a store enough to purchase products from them on a regular basis, why not purchases shares in the company? It’s a win-win situation.

This is a quick and easy way to save some money while rewarding the consumer for company loyalty. Customer loyalty is going to be the concentration for retail stores to make their profits in the upcoming years. *eFIPO’s Rule* Just because you signed up for the credit card does not mean you can go on a shopping spree. Respect credit cards and they will respect you.