BUT... for someone who has no or terrible credit, the $7500 tradeline most definitely would help. My brother is in that situation. He has no positive TL's at all and is looking at both of these. After the initial purchase there are no annual fees. So your $150 credit is only really worth about... say $75 worth of actual goods? That's still $75 for a $7500 TL that reports to all 3 CB's with no further fees. Isn't that worth something? My brother already tried the retail cards (JCpenny's, etc.), Target, gas cards, and got turned down. He's working on cnet'ing his CR but what's wrong with paying a little $ for a nice TL? Even if he kept his other credit cards in good standing (dumb, overspending college kid), the credit lines were all < $500 anyways. Or take the case of my grandmother who just immigrated here. No credit history whatsoever. I'm doing the secured card route for her, but wouldn't a $7500 TL on all 3 reports help her get larger credit cards sooner?