Review: Stage Credit Card

The 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 $5 reward certificate toward a future Stage purchase for every $50 you charge to the card — a 10% reward, which is very high for retail store credit cards like this.
  • A $10 birthday gift reward.

That’s it. The $5 reward certificate after only $50 in purchases is pretty good, but unless you really shop at Stage often, it’s not amazingly useful. $10 on your birthday is OK, too, but not a huge incentive.

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: 29.24%!! 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.