The minimum credit score for the Buckle Credit Card is 640 or better. People with good credit or better have a shot at being approved for it.
In order to open an account for a Buckle Credit Card, Comenity Bank requires you to consent to receive important information electronically.
You agree and acknowledge that Comenity Bank may provide all application disclosures required for your Buckle Credit Card account application in an electronic manner.
What is my Buckle Credit Limit?
The average credit limit for members who have matched with this card or similar cards is $964, with the most common being $100.
Please allow 10 days from the date of completing this application to receive your account information. Buckle Credit Card Accounts are issued by Comenity Bank.
If you wish to have your Buckle Credit Card account closed, please call Comenity Bank at 1.888.427.7786 TDD/TTY 1.800.695.1788. Buckle Credit Card Accounts are issued by Comenity Bank.
The Buckle Credit Card is a store credit card offered by Comenity Bank specifically for consumers at Buckle clothing stores. Consider your favorite casual and denim wear store offering its own credit card with extra perks every time you go there. That is exactly what this card accomplishes.
It’s not Mastercard or Visa—you can’t use it everywhere. It only works at Buckle or online from Buckle. But if you’re shopping there a lot, it can be worth real value.
Why Would Someone Want It?
If you enjoy Buckle’s jeans, jackets, or shoes, this card offers three significant advantages:
1. Bonus Points on all purchases,
2. Special discounts or advance access,
3. Free shipping for premium members.
Indeed, it’s a trade-off to be devoted to one store—but the rewards can add up fast if Buckle is your go-to fashion store.
Rewards and Loyalty Tiers
As a holder, you are an automatic member of the Buckle Rewards program. You receive points on all the dollars you spend—usually 1 point per dollar.
If you spend $1,000 or more on the card within a year, you become a Premier+ member and earn 3 points per dollar above the base rate.
When you reach 300 points, you receive a $10 certificate to be redeemed at Buckle. These points are redeemable in real dollars—approximately 3.33 cents per point, or 300 points is worth approximately $10 value.
But you need to earn a minimum of 300 points every quarter or month (whatever your reward period is), or else the points will expire.
Extra Cardholder Privileges
Apart from points, Buckle card members enjoy unique privileges:
- 10% discount on your first purchase when approved in-store or online.
- Ground shipping is free for Premier+ members or on orders over \$99 on the standard level.
These perks sweeten purchases for frequent Buckle shoppers. You pay with your Buckle Credit Card when you check out, online or in-store.
Every dollar you spend earns you points automatically. If you’re a Premier+ member, you’ll earn 3 points per dollar.
After you’re bumped up to a higher level, you’ll continue to receive free shipping on Buckle purchases and even occasional event bonus points. If you spend at least $1,000 on the card during a calendar year, you keep the Premier+ status for the next year.
Things to Be Aware Of
Before joining, make sure you understand the disadvantages:
- Very High Interest Rates: The purchase APR is about 36%, and if you pay late, your rate can jump to almost 40%.
- Limited Use: You can only use the card at Buckle websites or stores—no restaurants, gas stations, or other shops.
- Points Expire: Points you’ve gained will be lost if you don’t earn the minimum for that period.
The Buckle Credit Card is a good choice if you enjoy spending money there; it should be the bulk of your wardrobe. It comes with bonus points and cardholder rewards like free shipping or special discounts.
Also, it is notable that paying interest on a balance can easily eliminate the benefit of high-interest points. If you make clothing purchases at numerous stores, do not shop at Buckle often, or prefer general cashback cards that are accepted many places, it may not be a good idea to apply.
Final Thoughts
Buckle Credit Card is a fashion-conscious, in-store-only card that rewards your loyalty to one store. You earn points on all dollars spent, and with regular use you get free shipping and other perks. But it has out-of-this-world interest rates, and points can lapse if you don’t stay active.
If Buckle is where you shop the most, and you pay your balance in full when the bill is due, this card can get you some wonderful savings. But if you don’t shop there much or might have a balance, it might be worth more than it costs.
