Clothing and shoes: twelve brands, from $5
Gap, Old Navy, H&M, Zappos, Under Armour, Champs Sports and more. The category where saving to a larger card pays off most.
Twelve brands, the second largest category on the wall, and the one where the size of the card matters most — because clothing is priced in units of thirty dollars, not five.
Every brand in the category
- Everyday clothing — Gap, Old Navy, H&M, American Eagle
- Shoes — Zappos, Famous Footwear, Skechers, Champs Sports
- Sportswear — Under Armour
- Kids — Carter's, Build-A-Bear Workshop
- Resale — Poshmark
Why to save rather than cash out at $5
A $5 card buys nothing here. It sits in an inbox until it is forgotten, which is the same as throwing the balance away. A $50 card buys a pair of jeans outright, and a $100 one — the cap — covers most of a season's basics for a child.
If you are earning steadily, this is the category to point a month at rather than a week.
Two that behave differently
Poshmark is a resale marketplace, not a shop. Your credit spends on second-hand listings, which means the same card goes considerably further than it would at full retail — the best value in the category if you do not mind pre-owned.
Old Navy and Gap are the same company, and historically their cards have been interchangeable across their family of brands. Worth checking the card's own terms when it arrives, because that is decided by the issuer rather than by us.
Sizing and returns
Where the value is
Retail cards carry the largest supplier discounts on the wall, which is why the earn rates that fund them are what they are. If you know you need clothes, a brand card here is a better deal than taking prepaid and shopping with it.
Twelve brands, from $5 to $100.
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