I should ask if
TSC has gift cards for their store on sale.
It does not cost you anything to ask. I don't have
TSC where I live, but my local Fleet store is now only offering the 10% discount on Gift Cards once a year, around Christmas time, or so I was told by a manager. Years ago, the Fleet store used to have that 10% Gift Card discount at least a couple times a year.
Lowes periodically has discount gift cards.
I don't have a Lowes where I live. Our town is too small, I guess.
Unfortunately, I've never seen discounts for Menards which is my main hardware store.
Yeah, we do have a Menards and I buy lots of stuff from them every year. When items go on sale there, they are usually the least expensive. I played the Menards rebate game and saved 11% on most of my purchases these past few years. It looks like they might be going back to individual rebates on items instead of the blanket 11% off your entire purchase.

If you are willing to work the rebates, you can get some really good deals. But it is some work and your rebate money can only be spent at Menards. I still take advantage of the Menards rebate program but I would, of course, just rather have a lower price to start with.

I also have a Menards store credit card. I think I get 2% back on my purchases using the Menards credit card, which is a little better than my 1.5% on my Wells Fargo Cash Rewards credit card. But again, your Menards cash rewards are in the form of a check that can only be used at Menards.

I have seen a number of news reports about store credit cards, which they make easy to get and may offer additional discounts, also may have the worst terms and hidden fees that can trip you up really fast. I have all my store credit cards on autopayment for the full amount every month to avoid any late fees and charges.


Having said that, I had a Home Depot credit card, bought some items, and was charged a late fee for not paying my bill on time. I was upset. I took my paperwork to my local Home Depot and asked them how could I get a late fee when my account was set up for automatic payments in full? It took a number of calls but eventually we discovered that Home Depot had themselves cancelled my autopayments "for my convenience" on that account - without ever telling me. How does that happen? I got them to reverse the late fees, paid off the account, and have never used that card since then.

Oh, by the way, I tried to get my autopayments reinstated on that Home Depot credit card account, but for over a week I kept getting told that there was some reason they could not process my requests to go back on autopayment. They just wore me down and my best course of action was to stop using that credit card. As much as I have supported Home Depot in the past, they are not the same store now. Personally, I think they deliberately have been cancelling autopayment agreements, hoping to charge customers late fees, and I expect many people just pay the fines. Extra income for Home Depot I guess.
In my case, the late fee on my Home Depot credit card cost more than my original purchase. It took me hours and hours to find out that my autopayment agreement had been cancelled by them, without consent from me, but they did finally reverse the charges. Still, it really left a bad taste in my mouth and I just don't trust them anymore. I still shop there at Home Depot, I just won't use their store credit card anymore.

Also, my local Home Depot is going through employees like a rotating door. Customer Service reps last about a month, it seems, before they leave the company. I talked to a few guys who work there, and morale is at an all time low. They are not paid very much, new employees walk out the door in only weeks, and the employees remaining are expected to cover multiple departments. It's not good for anybody.

By the way, I'm so old that I remember being able to go into the Home Depot store, pick up a tool in my hand and try it out for comfort and fit, and decide if I wanted to make a purchase. I really miss that. Now, everything is locked behind cages, you have to walk half the store to find anyone to open a cage because where are the employees?, and in general you feel like you are walking through a prison. Very unfriendly atmosphere for shopping. None of the other local stores cage up all their items. I hope caging up merchandise does not catch on at other stores.
I still support Home Depot, they do have some good sales from time to time, and I have been in the Ryobi tool line for over 20 years. I just don't buy nearly as much from them as I did in the past because of all the negative changes they have implemented. But you can still save money shopping there if you find things on sale and/or in the clearance racks.