Review: Stage Credit Card

stage-credit-cardThe Stage department store chain, in partnership with Comenity Bank, offers a credit card that allows you to earn rewards toward future Stage purchases. Our overview / review of the card is below:

The first thing to know is that the Stage credit card is only accepted at Stage and its sister stores Bealls, Goody’s, Palais Royal, and Peebles. Here at Credit Card Catalog we are not usually fans of credit cards with such limited acceptance — do you really want to open a new credit line when the card can’t be used widely?

Maybe. But only if there is some type of reward or special offer to make it worth the trouble. The Stage store card does offer you the following:

  • A $10 reward certificate toward a future Stage purchase for every $250 you charge to the card
  • A one-time offer of 10% off your first purchase with the card inside a Stage store (not online).

That’s it. The $10 reward certificate is not a ton of incentive unless you really shop at Stage often. And the 10%-off is a one-shot deal.

Still, it could be OK, but only if you ALWAYS pay off your FULL credit card balance every month! Because this card has a super-high interest rate: 25.24%!! If you EVER carry a balance on your credit cards, pass this one by! Any rewards you receive will be canceled out (and more) by the interest you pay.

That said, if you always pay your cards off in full and you want the Stage credit card, you can apply online with this application.

See also: 0% Balance Transfer Credit Cards, Instant Approval Credit Cards, Stage Store Credit Card Payment, Login, and Customer Service Information