If you’re looking for a new credit card to help you make purchases at Bed Bath and Beyond, buybuy BABY, or Harmon Face Values, the Bed Bath and Beyond Credit Card could be a good option.
We’ll take a look at some of the pros and cons of this card so that you can decide if it’s right for you.
Is the Bed Bath and Beyond Credit Card Worth it?
Overall, the Bed Bath and Beyond Credit Card can be a great way to save money on your purchases at Bed Bath and Beyond stores. Just be sure to pay off your balance in full each month to avoid paying high interest charges and fees.
How Does the Bed Bath and Beyond Credit Card Stack up to Other Cards?
Some of the pros of this credit card are:
You’ll receive 20% off your first purchase, and then 15% off every purchase after that. There is no annual fee for the card, and it’s accepted at all Bed Bath and Beyond locations.
There are some drawbacks to the card, however.
You’ll only earn 1% back in rewards on purchases made outside of Bed Bath and Beyond stores, and there is a $25 minimum purchase amount in order to receive the discount. If you carry a balance on your credit card, you’ll also be charged interest at a rate of 21.99%.
What Credit Rating Do You Need to Get Approved?
The Bed Bath and Beyond Credit Card is available to applicants with good to excellent credit. This means you’ll likely need a credit score of 680 or higher to be approved. If you have a lower credit score, you may still be approved, but you may be charged a higher interest rate.
What’s the Average Bed Bath and Beyond Credit Card Approval Limit?
The average Bed Bath and Beyond credit card approval limit is around $5,000. This means that if you have a good to excellent credit score, you may be approved for a credit limit of up to $5,000. If you have a lower credit score, you may still be approved, but your credit limit may be lower.
Bed Bath and Beyond Card Details
The Bed Bath and Beyond Credit Card has an APR of 21.99%. This is a relatively high interest rate, so be sure to pay off your balance in full each month to avoid accruing interest charges.
The Bed Bath and Beyond Credit card also has a few fees associated with it. The first is a late payment fee, which is assessed when you make a payment past the due date. This fee is $37. The second is a returned payment fee, which is assessed when a payment is returned by the bank for any reason. This fee is also $37. Finally, there is a cash advance fee of 3% of the amount of the cash advance, with a minimum fee of $10.
The Bed Bath and Beyond Credit Card does not have an annual fee. This is one of the main advantages of the card over other store credit cards which often do have annual fees.
Bed Bath and Beyond Card Benefits
The Bed Bath and Beyond Credit Card comes with a rewards program that allows you to earn 1% back in rewards on all purchases made outside of Bed Bath and Beyond stores. This is a relatively low rewards rate, so it’s important to weigh it against any other rewards credit cards you may be considering.
However, there are a few other benefits that come with the Bed Bath and Beyond Credit Card. The first is that you’ll receive 20% off your first purchase, and then 15% off every purchase after that at Bed Bath and Beyond locations.
Application Process
The Bed Bath and Beyond Credit Card application process is relatively simple. You can apply online or in-store.
To apply online, you’ll need to provide some basic information, including your name, address, Social Security number, and date of birth. You’ll also need to provide information about your income and employment.
Once you’ve submitted your application, you’ll typically receive a decision within a few minutes. If you’re approved, you’ll receive your credit card in the mail within 7-10 business days.
To apply in-store, you can fill out an application at the customer service desk. You’ll need to provide the same information as you would if you were applying online. Once you’ve submitted your application, you’ll receive a decision within a few minutes.
A Recap of the Bed Bath and Beyond Credit Card
The Bed Bath and Beyond Credit Card can be a great way to save money on your purchases at Bed Bath and Beyond stores. But if you’re not a frequent Bed Bath and Beyond shopper, you can probably find a better rewards credit card for your wallet.