Burlington Credit Card has one of the lowest rewards rates among store credit cards. And though those rewards are relatively valuable, you’ll likely save more with a general rewards credit card.
The Burlington credit card, issued by Comenity, offers rewards for shopping with the brand, but even the most loyal Burlington Coat Factory shoppers can likely do better.
Although its rewards are worth a lot, how quickly you will accumulate them is subpar, and the sign-up reward is hardly present.
A general cash-back credit card such as the Wells Fargo Active Cash Card will be a superior option for most consumers. It’s even possible to find a secured card, designed for people with bad or no credit, that has higher reward rates than the Burlington credit card.
How does the Burlington Credit Card Work?
The Burlington credit card is a “closed-loop” card, meaning you can only use it to shop at Burlington Coat Factory and its sister stores, Cohoes Fashions and MJM Designer Shoes.
If you’re seeking a card that can handle your grocery shopping, gas station stops, and all the rest, the Burlington credit card isn’t what you want.
An opening reward in the way of a 10% discount on the first purchase upon opening and using the Burlington credit card the same day. (Cardholders who opened an account online will receive their 10% coupon via email within two business days of account opening.)
What are the Advantages of the Burlington Credit Card?
The Burlington credit card does include some rewards for Burlington shoppers, but just two of them are exclusive to cardholders. You can get nearly all the same rewards by joining the Burlington rewards program in-store or online.
If you do not desire yet another hard inquiry on your credit report or another credit card taking up space in your wallet, you may well forego the Burlington credit card and lose very little.
The only two benefits of the credit card you can’t get using the loyalty program are that the card earns 1 point for every $1 of Burlington purchases. The 100 points can be redeemed as a $5 reward certificate.
Is it True The Burlington Credit Card Rates are Low?
As mentioned earlier, Burlington credit card members get 1 point for every $1 spent at Burlington, a fairly low reward rate. And to add insult to injury, you have to have a minimum of 100 points before you can redeem, and the points are good only on qualified Burlington purchases.
But on the plus side, points earned on the Burlington card are redeemable for 5 cents each, much higher than the industry norm of a penny. In effect, for each $100 spent at Burlington, you will receive a credit of $5. (More on that in the next section.)
Is there an Expiration Policy for the Burlington Credit Card?
Burlington cardholders can redeem rewards as soon as they’ve accumulated 100 points and use them to acquire a $5 certificate.
Certificates may be redeemed only for in-store purchases at Burlington stores, Cohoes Fashions, and MJM Designer Shoes. And redeem them quickly since they expire 60 days from the date of issue.
Points are valid for only 12 months from the date when credited to the account, so convert them to certificates periodically.
The Burlington credit card purchase APR is above 33%, meaning carrying a balance from one month to the next is extremely costly. To avoid paying interest and to assist your credit rating, pay off your credit card balance in full and on time if you can.
Final Words
To get a Burlington Credit Card, you will initially visit a Burlington store near you and let one of the representatives know that you would like to apply. Then, fill out the application with your financial and personal information.
Your Burlington Credit Card is issued by Comenity Capital Bank. For more information, see our Financial Privacy Policy and Online Privacy Policy. California Residents: Complete a Data Request Form to establish a Do Not Sell or Share My Personal Information request.
The original credit limit of the Burlington Credit Card is case-sensitive. There is no minimum even mentioned in the terms and conditions. It just depends on your debt, income, and credit history. That means you’ll never know what your spending limit will be until you are approved for this card.
