Review: Boscov’s Credit Card

Regional division retailer chain Boscov’s, in partnership with Comenity Capital Financial institution, offers a credit card that lets you earn reward factors towards future Boscov’s purchases. Our overview / evaluation of the Boscov’s card is under:

The Boscov’s bank card is simply accepted at Boscov’s shops, not at some other retailers. This restricted acceptance is one thing to think about — do you store at Boscov’s usually sufficient to need to open a brand new credit score line for purchases there?

Perhaps you do. If that’s the case, you’ll earn reward factors in your Boscov’s card purchases, with level values rising as your spending will increase. You get:
  • 1 level per greenback on whole yearly card purchases of no less than $300 as much as $1499
  • 2 factors per greenback if yearly card purchases are no less than $1500 as much as $2999
  • four factors per greenback if yearly card purchases are $3000 or extra.

The precise issuance of rewards certificates based mostly in your level totals could be very complicated. The phrases of this system solely say that rewards certificates are issued about 6 occasions per 12 months. Evidently you want no less than 300 factors to get a certificates. Factors are value a penny a chunk, so 300 factors could be a $3.00 reward, for instance.

As well as, you’ll obtain particular coupons all year long tailor-made to your degree of purchases. Presumably your coupons get extra beneficiant as your spending rises.

As a brand new Boscov’s bank card holder, you’ll obtain a one-day 15%-offer for use if you first obtain your card.

Whereas these rewards sound good if you’re a frequent Boscov’s shopper, a caveat: the Boscov’s bank card has a 27.49% rate of interest! That could be very excessive! You don’t want this bank card for those who ever carry a stability from month to month in your playing cards — the curiosity you pay will primarily cancel out any rewards you obtain.

That mentioned, if you wish to apply for a Boscov’s bank card, you are able to do so in retailer or via this online application.


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