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I’m about to sign up for rewards programs at my favorite stores to get more coupons and stuff, and it doesn’t involve a credit card. They’re all free, but I was just wondering if they lower your credit score.

2 Thoughts on Does signing up for rewards programs that don’t involve a credit card lower your credit score?
  1. Reply
    Steve D
    July 28, 2011 at 9:57 pm

    No…they do not generate a credit inquiry since there is no credit involved.

  2. Reply
    July 28, 2011 at 10:15 pm

    Store sponsored reward programs aimed at increasing your loyalty to that store have no impact on your credit score if no credit card is involved.

    For credit information, advice, and unbiased evaluations of credit cards, visit

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