Review: Buckle Credit Card

buckle-credit-cardBuckle clothes shops, in partnership with Comenity Financial institution, offers a credit card that lets you earn reward factors towards future Buckle purchases. However there are a few issues to be careful for. Try our full overview / evaluate of the Buckle bank card beneath:

The very first thing to grasp is that the Buckle bank card is simply accepted at Buckle — nowhere else. We aren’t followers of bank cards with such restricted acceptance. It’s not a terrific thought to open a brand new credit score line and take successful in your credit score rating for a card you may solely use at a single retail chain. That is very true in case your credit score historical past isn’t so good.

That mentioned, some retail bank cards gives such nice rewards that they’re value getting. Does the Buckle bank card meet the usual? Right here’s what if gives:
  • A $10 Buckle present card for each $300 you spend at Buckle, although you must take note of the main points on this one. (We’ll get again to that in a second.)
  • 10% off your first buy with the Buckle bank card
  • Cardholder-only reductions, together with birthday-specific gives.

The primary bullet level above is an important. Sure, you get a $10 present card for each $300 in spending with the cardboard, BUT the present playing cards are solely issued in Might, September, and January, every making an allowance for your spending for the earlier four months. (For instance, your Might present card will have in mind your spending from January 1 to April 30.) As well as, the present card you obtain expire in simply 5 weeks! That is nice for Buckle, as a result of it forces you to purchase one thing shortly, however it’s not so nice for you, since you lose the reward in the event you don’t use it virtually instantly.

We should always be aware that common Buckle consumers can get some extra perks in the event that they spend on the $500 or $1000 degree per 12 months, however the fundamental factors program stays the identical.

Now let’s speak in regards to the Buckle bank card’s rate of interest — 25.24%. Horrible. There isn’t a cause so that you can pay over 25% curiosity in your purchases, so steer clear of this card in the event you ever carry a stability in your bank cards.

Really we’d counsel you steer clear of the Buckle bank card generally. There’s simply not sufficient being given, and the rate of interest stinks.

We’re right here to serve you, although. When you nonetheless need the Buckle bank card, you may apply via this online application or in a Buckle retailer.


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