Review: Credit Card, which bills itself as an online “plus size marketplace for sizes 12-44”, offers a credit card that allows you to buy on credit at any of the stores in its “mall”. Our overview / review of the card is below:

The first thing to know is that you can only use this credit card within the “mall” — it can’t be used anywhere else. Getting a new credit card with such limited usage is not always a good idea, because each new credit card you obtain dings your credit score just a bit. If your credit history is excellent, not a big deal. But if it’s more shaky, you should think twice before getting a new credit card that you can only use at a single retailer.

Does the card have great rewards to make up for its limited usage? If you are already a regular shopper, maybe. Here’s what you get:

  • 2 points per dollar charged to the card. When you reach 400 points ($200 in spending), you’ll get a $10 rewards certificate to use toward a future card purchase.
  • A 20%-off birthday offer, plus double points on purchases in your birthday month.
  • A one-time $10 reward when you open your card account + a $10 reward with your first card statement
  • Other limited-time promotional offers when you use the card, such as free shipping or special financing.

Still not sure? Well, there is one more consideration — this card has a 28.99% interest rate! That’s terrible! If you EVER carry a balance on your credit cards, do not get this one. The interest you pay will essentially cancel out any rewards you receive.

If you still want to go for it, though, you can apply online via this application.