When FCNB closed my Spiegel account, I thought it was a blessing in disguise because I rarely ever used this card (no incentives)! The New Spiegel cc, however, has some perks worth looking at! I received and accepted a pre-approval offer that included 100 bonus Reward points for opening the account, 15% off the initial purchase and for every $500 charged on the cc there is a $25.00 rebate. The best is, this offer is a TRUE approval (minimal questions asked and NO hard inquiry). The downside, of course, is the high APR of 22.8% and a measly cl of $1000.00. I just thought I would share this with you!
22.8%=ALWAYS PAY IN FULL!!! AS WITH ALL REWARDS CARDS...when you don't pay in full...the rewards are eaten up...or drastically reduced...
