Review: Buckle Credit Card

buckle-credit-cardBuckle clothing stores, in partnership with Comenity Bank, offers a credit card that allows you to earn reward points toward future Buckle purchases. But there are a couple of things to watch out for. Check out our full overview / review of the Buckle credit card below:

The first thing to understand is that the Buckle credit card is only accepted at Buckle — nowhere else. We are not fans of credit cards with such limited acceptance. It is not a great idea to open a new credit line and take a hit on your credit score for a card you can only use at a single retail chain. This is especially true if your credit history is not so good.

That said, some retail credit cards offers such great rewards that they are worth getting. Does the Buckle credit card meet the standard? Here’s what if offers:

  • A $10 Buckle gift card for every $300 you spend at Buckle, though you need to pay attention to the details on this one. (We’ll get back to that in a moment.)
  • 10% off your first purchase with the Buckle credit card
  • Cardholder-only discounts, including birthday-specific offers.

The first bullet point above is the most important. Yes, you get a $10 gift card for every $300 in spending with the card, BUT the gift cards are only issued in May, September, and January, each taking into account your spending for the previous 4 months. (For example, your May gift card will take into account your spending from January 1 to April 30.) In addition, the gift card you receive expire in just 5 weeks! This is great for Buckle, because it forces you to buy something quickly, but it’s not so great for you, because you lose the reward if you don’t use it almost immediately.

We should note that regular Buckle buyers can get some additional perks if they spend at the $500 or $1000 level per year, but the basic points program stays the same.

Now let’s talk about the Buckle credit card’s interest rate — 25.24%. Terrible. There is no reason for you to pay over 25% interest on your purchases, so stay away from this card if you ever carry a balance on your credit cards.

Actually we’d suggest you stay away from the Buckle credit card in general. There’s just not enough being given, and the interest rate stinks.

We’re here to serve you, though. If you still want the Buckle credit card, you can apply via this online application or in a Buckle store.