WalletHub Rating
3.2/5
Boscov's Credit Card has a rating of 3.2/5 according to our proprietary credit card rating system. This rating reflects how appealing Boscov's Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Boscov's Credit Card earned a score of 5.0/5 for Fees, 2.8/5 for Rewards, 3.1/5 for Cost, and 3.5/5 for User Reviews.Info about the Boscov's Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.5/5
104 reviewsRead and write reviews
Market Comparison
Market Comparison
3.2
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
2.8
Cost
3.1
Other Features
0.0
3.2/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
31.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Receive 15% off on first day’s purchases when you open and use your card within 30 days of account opening, up to a maximum discount of $100 on travel purchases and $300 on non-travel related purchases.
Earn 2 points per net $1 spent. Double points on all cosmetic and fragrance purchases every day.
Receive birthday and holiday bonus offers, plus 2,000 bonus points for every $1,000 spent in a program year.
Earn $5 B Rewarded certificate for every 500 points.
Enjoy 15% off exclusive appreciation events in select departments.
Receive a 10% discount upon subscribing to text alerts from Boscov's, and gain access to exclusive offers and additional perks. Visit the website for the promotional code.
Boscov's Credit Card's Additional Info
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Learn More
at Comenity Capital's secure site
Boscov's Credit Card Pros & Cons
No membership fees
High rewards rate
15% discount initial rewards bonus
Qualify with fair credit
High regular APR
Compare The Boscov's Credit Card vs. Popular Alternatives
 Boscov's Credit Card |  Wells Fargo Active Cash® Card |  Costco Anywhere Visa® Card by Citi |
|---|---|---|
3.2WalletHub Rating WalletHub Rating 3.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 3.5 Market Comparison 3.2 fees: 5.0 rewards: 2.8 cost: 3.1 Other Features: 0.0 | 4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.2 Market Comparison 4.4 fees: 3.8 rewards: 4.7 cost: 4.7 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APR0%for15 months from account opening | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro apr0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5) | transfer intro aprNot Offered |
Regular APR31.24% (V) | Regular APR20.24% - 29.99% Variable | Regular APR20.49% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Boscov's Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Upvotes
How can I pay my Boscov's Credit Card
Reply
Maria Adams, Credit Cards Moderator
@m_adams
You can make Boscov's Credit Card payment online, by phone, or by mail. To pay Boscov's Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital Bank does allow cardholders to set up automatic payments, too.
Ways to Make Boscov's Credit Card Payment
- Online: Log in to your online account and find the payment button.
- By phone: Call 1-844-271-2778 and enter your card information when prompted.
- By mail: Send a check or money order (but not cash) to
Comenity Capital Bank
PO Box 183003
Columbus, OH 43218-3003.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Boscov's Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
1
Upvote
How do I apply for Boscov's Credit Card?
Reply
1
Adam McCann, Financial Writer
@adam_mcan
The easiest way to apply for the Boscov's Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Boscov's's website. Alternatively, you can apply in store.
Keep in mind that the Boscov's Credit Card requires Fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt...
show more
1
Upvote
How can I get a cash advance with my Boscov's Credit Card?
Reply
1
John Miller, Credit Cards Moderator
@john_miller
Unfortunately, you cannot get a cash advance with your Boscov's Credit Card. This is a store card and it can only be used for purchases at boscovs.com and Boscov's stores.
The fact that Boscov's Credit Card cash advances are not an option might actually be a blessing in disguise. Cash advances are very expensive, due to a cash advance fee and a separate cash advance APR that apply as soon as you withdraw the cash. There may also be...
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Upvotes
Why was my Boscov's Credit Card application denied?
Reply
John Miller, Credit Cards Moderator
@john_miller
There can be many reasons why your Boscov's Credit Card application was denied. Some common reasons include:
- You don't meet the credit score requirements
- You don't have enough income
- You have too much debt relative to your income
- There are too many recent inquiries on your credit report
- There's a recent delinquency or error on your credit report
You should receive a letter in the mail containing more information...
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Upvotes
Why did the Boscov's Credit Card lower my credit limit?
Reply
Christie Matherne, Credit Card Writer
@christie_matherne
Your Boscov's Credit Card credit limit may have been lowered due to late payments, inactivity on your card, or a change in your credit history. Comenity Bank will periodically review how you're managing your current limit and may lower it if they don't think you can afford the full thing.
You can call Comenity Bank at 1(844) 271-2778 to ask about the particular reasons why your credit limit was lowered. You can also learn more about the most...
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Upvotes
What does Boscov's sale
Reply
Upvotes
How much is the Boscov's Credit Card minimum payment?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The Boscov's Credit Card minimum payment is $30 ($37 if you were charged a late fee) or the past due amount plus 5% of plan balance at the end of billing period rounded up to nearest $1 (minimum $5).
- Balance below $30: If your statement balance is less than $30 ($37 if you were charged a late fee during the prior six billing periods), the Boscov's Credit Card minimum payment will be equal to the balance.
- Balance over $30: If your balance is more than $30 (or $37 if you were charged a late fee during the prior six billing periods), the minimum payment is the past due amount plus 5% of plan balance rounded up to nearest $1 (minimum $5).
Your minimum payment may be different if you choose one of the Boscov's Credit Card's financing plans. In any case, you can find how much exactly your minimum payment is on your monthly statement.
Lastly, keep in mind that, if you recently missed a payment, the issuer may add a late fee (up to $41) to your minimum payment.
Upvotes
How can I set up autopay for my Boscov's Credit Card?
Reply
John Miller, Credit Cards Moderator
@john_miller
You can set up autopay for your Boscov's Credit Card only through your online account. Once you're enrolled, the issuer will withdraw the payment amount from your linked bank account on the scheduled date.
How to Set Up Boscov's Credit Card Automatic Payments
- Log in to your online account.
- Find the payment section on the account home page and then select the automatic payments feature.
- Enter your bank account routing number and account number. This is...
show more
Upvotes
What's the Boscov's Credit Card 0% APR offer?
Reply
John Miller, Credit Cards Moderator
@john_miller
The Boscov's Credit Card may offer 0% APR promotions on certain purchases. It's important to pay off the entire balance before the promotional rate expires, though. That's because the regular APR might apply retroactively from the purchase date if any balance remains after the 0% APR period ends. This is called deferred interest, and it can be quite costly.
Keep in mind that even though you don't pay interest during 0% APR periods, you still must make...
show more
Upvotes
How do I check my Boscov's Credit Card application status?
Reply
John Miller, Credit Cards Moderator
@john_miller
Unfortunately, you cannot check your Boscov's Credit Card application status. Chances are that you'll receive a decision immediately after applying. If you don't get a decision on the spot, then you will receive a letter in the mail in 7-10 business days after applying. If you don't hear back after 10 business days, then call customer service at (844) 271-2778 to ask about the delay.
If your application gets denied, you cannot ask the issuer for reconsideration....
show more
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Boscov's Credit Card Reviews
Share your insights and review for the Boscov's Credit Card
5
36%
4
19%
3
27%
2
4%
1
14%
3.5
104 reviews
104 reviews
What's Your Rating?
Most Recent
victoria rudd
@kimballjessy
1 Star Rating
I can't even make a payment because they have not mailed my card out. It's been way over the ten-day mailing period, and I have called them, but they are not helpful. I don't understand how a company can operate that way. And the fact that you're going to charge the interest rate is not going to happen. I have been trying to make a payment for weeks, but without the card number, I can't.
Comment
Cathy Eldridge
@styleandinspira
1 Star Rating
"I enrolled for credit card automated payments in October 2023. Since then, I have been charged a late interest fee. After numerous phone calls and emails, I received a refund for the first interest charge and an apology letter from Comenity Capital Bank (the credit card bank). However, the problem persists... I continue to incur an interest charge with each new billing cycle. Today, I contacted the Coventry Store Manager, Derek Ally (spelling?), and he offered no assistance to address the issue but related that there are many dissatisfied Boscov's credit card consumers and that Boscov's Corporate Credit Management is aware of the problem.
As of today, January 13, 2024, Comenity Capital Bank does not answer their phone. Instead, Comenity offers a secure messaging system. The first message I sent was rejected by Comenity due to a "glitch" in Comenity's system. I rewrote the message and hit send... same response, "Message rejected due to a glitch."
Come on Boscov's... Do you want to lose customers because you are partnered with a problematic credit card company? I thought Boscov's was one of the few businesses left that still had integrity and knew how to run a business. Don't waste my time with credit card incentives, when in exchange, I have to dispute add on credit card charges every month!!
Comment
1
Joseph Robertazzi
@josephr70
1 Star Rating
I did get approved for the card, by my payment was late due to not receiving the bill in mail on time as the post office was late delivering it. They still charged me a late fee. I feel that I should not be charged that as I have no control over the United Postal Service. They also reported that my total credit card maximum amount dropped $50 - This is inaccurate as I was never given the amount that they stated to even start with.
Comment
1
Jennie
@thefictionwelive2
4 Star Rating
Good % off coupons to use in-store and Reward Point Mailers are a nice bonus. Interest rate keeps increasing and it's already over 35% which is the major downfall
Comment
Bonnie
@bonniec_8
1 Star Rating
i didnt miss the payment , i have auto withdrawals it was only 24 dollars and it is paid , i called and talked to them and they agree with me
Comment
1
Bernard
@bcartercom1
3 Star Rating
Average Store/Retail Card…no real perks!…just use it
For small gifts…needs more incentives…also doesn’t give a decent credit limit…
Comment
elizabeth
@elizabethg_129
5 Star Rating
Great credit card to have to with a great store to buy from. You can can find anything you need and things you did not¡!!!!!!!!!!!!
Comment
jim
@jimp_12
1 Star Rating
COMMENITY BANK IS THE WORST! i PAID MY ACCOUNT IN AND THEY NEVER GAVE ME CREDIT UNTIL RECENTLY. THEY CHARGE OUTRAGEOUS INTEREST RATES ALSO
Comment
2
amy
@amy51naple
4 Star Rating
I love there card ....however paid it off months ago n credit report isn't showing it yet they do not up date enough ...it's easy to use on line n in store
Comment
Michelle
@michellecadle870
3 Star Rating
Since Bread has bought Comenity they aren’t reporting each month & it’s affecting credit scores. I have multiple cards with them. It’s extremely upsetting. It’s not been updated since June 2022.
Comment
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