Boscov’s Credit Card offers exclusive rewards, special financing, and extra savings for loyal shoppers. Issued by Comenity Bank, this store card provides cardholders with access to exclusive discounts, bonus savings events, and flexible payment options.
Whether you’re looking to earn rewards on purchases, enjoy perks like birthday bonuses, or take advantage of promotional financing, Boscov’s Credit Card can enhance your shopping experience.
However, it’s essential to understand the fees, interest rates, and benefits before applying. In this guide, we’ll cover everything you need to know about Boscov’s Credit Card, including its features, pros and cons, and how to apply.
History and Background of Boscov’s Credit Card
Boscov’s Credit Card, issued by Comenity Capital Bank, is a store-branded credit card designed specifically for Boscov’s shoppers. Boscov’s, a family-owned department store chain founded in 1914 by Solomon Boscov, has grown into a trusted retailer across the northeastern United States.
To enhance customer loyalty and provide additional shopping benefits, Boscov’s introduced its store credit card, offering exclusive perks and financing options.
Over the years, Boscov’s Credit Card has evolved to meet customer needs, providing special discounts, rewards, and flexible payment options. It allows cardholders to earn savings through exclusive promotions, birthday bonuses, and special financing on qualifying purchases.
With the rise of retail credit programs, Boscov’s Credit Card has remained a competitive option for frequent shoppers who want additional savings. The partnership with Comenity ensures seamless account management, including online bill payments, credit limit adjustments, and customer service support.
Despite its benefits, potential applicants should consider the card’s interest rates, fees, and usage restrictions before applying.
Features and Benefits of Boscov’s Credit Card
The Boscov’s Credit Card, issued by Comenity Capital Bank, is designed for frequent shoppers at Boscov’s stores and online. It offers a variety of perks, from exclusive discounts to flexible financing options. Here’s a detailed look at the key features and benefits of this store-branded credit card.
1. Exclusive Discounts & Special Promotions
- New Cardholder Bonus: Upon approval, new customers often receive an initial discount on their first purchase made with the Boscov’s Credit Card.
- Exclusive Savings Events: Cardholders enjoy access to special sales events throughout the year, including seasonal promotions and holiday sales.
- Birthday Bonus: Eligible customers receive a special birthday offer each year.
2. Flexible Financing Options
- Special Financing Plans: Boscov’s offers periodic interest-free financing on qualifying purchases if the full balance is paid within a specified period.
- Deferred Interest Promotions: Some promotional offers allow cardholders to make big-ticket purchases with deferred interest, provided they meet the payment terms.
3. Reward Opportunities & Perks
- Loyalty Rewards Program: Cardholders may receive additional reward points or exclusive savings tied to their shopping habits.
- No Annual Fee: Unlike many store credit cards, the Boscov’s Credit Card does not charge an annual fee, making it a cost-effective choice for loyal customers.
- Easy Account Management: Customers can conveniently track purchases, pay bills, and manage their accounts online through Comenity’s portal or the Boscov’s website.
4. Security and Convenience
- Fraud Protection: Built-in security features help protect against unauthorized transactions.
- Paperless Billing & Auto-Pay Options: Customers can opt for electronic statements and set up automatic payments to avoid late fees.
Application Process
Applying for the Boscov’s Credit Card, issued by Comenity Capital Bank, is a straightforward process that can be completed online or in-store. Below is a step-by-step guide to help you navigate the application process efficiently.
1. Eligibility Requirements
Before applying, ensure you meet the following basic requirements:
- Must be at least 18 years old (or the legal age in your state).
- Must have a valid Social Security Number (SSN) or Taxpayer Identification Number (TIN).
- Should possess a government-issued photo ID (e.g., driver’s license or passport).
- Must have a U.S. mailing address (P.O. boxes are not accepted).
- Should have a stable source of income and a reasonable credit history.
2. How to Apply
A. Online Application
- Visit the Official Website – Go to the Boscov’s Credit Card page on Comenity Bank’s website.
- Fill Out the Application Form – Provide your personal details, including name, address, contact information, SSN, and employment details.
- Review the Terms & Conditions – Carefully read the interest rates, fees, and other terms before submitting your application.
- Submit Your Application – Once submitted, you may receive an instant decision, or you may be asked for additional verification.
B. In-Store Application
- Visit a Boscov’s Store – Head to the customer service desk or checkout counter.
- Request an Application Form – A store associate will provide you with a physical or digital application.
- Provide Necessary Information – Fill in your details and present a valid ID for verification.
- Wait for Approval – Instant decisions are often provided, but some applications may take longer for further review.
3. Approval and Credit Limit
- If approved, you will receive an initial credit limit based on your creditworthiness.
- A physical card will be mailed to you within 7–10 business days.
4. What to Do if Denied
If your application is declined, you will receive an adverse action letter explaining the reasons. You can:
- Review Your Credit Report to identify any issues.
- Improve Your Credit Score by reducing outstanding debt and making timely payments.
- Reapply After a Few Months if your financial situation improves.
By following these steps, you can successfully apply for the Boscov’s Credit Card and take advantage of its exclusive benefits.
Fees and Interest Rates
Understanding the fees and interest rates of the Boscov’s Credit Card, issued by Comenity Capital Bank, is essential for responsible card usage. Below is a detailed breakdown of the costs associated with this store credit card.
1. Annual Percentage Rate (APR)
- Regular APR: 29.99% Variable (subject to change based on the Prime Rate).
- Penalty APR: Not specified, but late or missed payments may result in higher fees and possible account suspension.
- Cash Advances: Boscov’s Credit Card does not allow cash advances.
2. Interest Charges
- Interest is charged on purchases if the full statement balance is not paid by the due date.
- The minimum interest charge is $2.00.
- There is no introductory 0% APR offer, meaning interest accrues immediately on unpaid balances.
3. Fees
| Fee Type | Charge |
|---|---|
| Annual Fee | $0 (No annual fee) |
| Late Payment Fee | Up to $41 |
| Returned Payment Fee | Up to $41 |
| Foreign Transaction Fee | Not applicable (Card can only be used at Boscov’s) |
4. Grace Period
- Boscov’s Credit Card provides a grace period of 25 days.
- If you pay your balance in full within this period, you won’t be charged interest.
5. How to Avoid High Fees and Interest Charges
- Always pay on time to avoid late payment fees.
- Pay the full balance each month to prevent interest from accruing.
- Monitor your spending to stay within your credit limit and maintain a good credit score.
By understanding these fees and interest rates, you can make an informed decision on whether the Boscov’s Credit Card fits your financial needs.
Managing Your Boscov’s Credit Card Account
Effectively managing your Boscov’s Credit Card, issued by Comenity Capital Bank, can help you maximize its benefits while avoiding unnecessary fees and interest charges. Here’s a detailed guide to help you stay on top of your account.
1. Online Account Management
Boscov’s offers an easy-to-use online portal through Comenity Bank, allowing you to:
- Check your balance and available credit
- View past statements and transaction history
- Make one-time or recurring payments
- Enroll in paperless billing for added convenience
- Set up account alerts to avoid missed payments
To access your account, visit Comenity’s website and log in with your credentials.
2. Making Payments
You can make payments through multiple methods:
- Online: Log into your account and pay using a bank account.
- By Mail: Send checks or money orders to the payment address provided on your statement.
- By Phone: Call Comenity’s customer service for phone payments (fees may apply).
- In-Store: Payments can be made at Boscov’s retail locations.
💡 Tip: Setting up autopay ensures you never miss a due date.
3. Monitoring Fees & Interest
- Keep track of your billing cycle and due dates to avoid late fees.
- Try to pay off your balance in full each month to avoid the 29.99% APR interest.
4. Handling Account Issues
If you experience unauthorized transactions, billing errors, or card-related issues, contact Comenity’s customer support at 1-844-271-2778 immediately.
5. Updating Account Information
Keep your contact details and billing address up to date to receive important alerts and statements.
By actively managing your Boscov’s Credit Card, you can enjoy its rewards without the risk of accumulating high-interest debt.
Customer Service and Support
Boscov’s Credit Card, issued by Comenity Capital Bank, offers several customer service options to assist cardholders with their account management, payments, and inquiries. Whether you need help with billing, reporting a lost card, or understanding your rewards, customer support is available through multiple channels.
1. Contacting Boscov’s Credit Card Customer Service
- Phone Support: Call 1-844-271-2778 for assistance with payments, disputes, or general inquiries.
- Online Account Help: Log in to your account on Comenity’s website to access self-service options.
- Mail Correspondence: Send written inquiries or payments to the address provided on your billing statement.
2. Common Customer Service Requests
- Billing disputes and transaction issues
- Lost or stolen card reporting
- Requesting a credit limit increase
- Setting up autopay or updating account details
3. Live Chat and Automated Support
Some inquiries can be resolved through Comenity Bank’s AI chat assistant on their website.
For fastest resolution, calling customer service during weekday business hours is recommended.
User Reviews and Experiences
Boscov’s Credit Card has received mixed reviews from customers, with opinions varying based on individual experiences. Here’s an overview of the most common feedback:
1. Positive Experiences
- Exclusive Discounts & Rewards – Many users appreciate the special financing offers, frequent discounts, and rewards points earned on purchases.
- Easy Approval Process – Customers with fair credit report quick approval, making it a great option for those building their credit.
- Convenient Account Management – The online portal allows users to easily track their spending, make payments, and set up autopay.
2. Negative Experiences
- High APR & Fees – Several customers complain about the high interest rates, which can make carrying a balance costly.
- Customer Service Issues – Some users report difficulty reaching support or resolving billing disputes efficiently.
- Account Closures Without Notice – A few customers mention unexpected account closures, impacting their credit scores.
Overall, while loyal Boscov’s shoppers find value in the card, those who carry a balance may find the high interest rates a drawback.
Pros and Cons of Boscov’s Credit Card
| Pros | Cons |
|---|
| Exclusive Discounts – Cardholders get access to special promotions, coupons, and savings events. | High APR – The interest rate is significantly higher than standard credit cards, making it expensive if you carry a balance. |
| Rewards Program – Earn points on purchases that can be redeemed for store credit. | Limited Usability – Can only be used at Boscov’s, limiting its versatility. |
| Easy Approval – More accessible for individuals with fair credit. | Customer Service Complaints – Some users report difficulties in resolving billing or account issues. |
| Special Financing Options – Offers promotional financing on large purchases. | Late Fees & Penalties – High fees for missed payments can add up quickly. |
| No Annual Fee – Unlike many store cards, there is no yearly charge to keep the account open. | Potential Account Closures – Some users report unexpected closures that impact their credit score. |
FAQs
How hard is it to get a Boscov’s credit card?
Boscov’s Credit Card is relatively easy to obtain, as it is designed for shoppers with fair to good credit. A credit score of around 620 or higher increases your chances of approval.
Can you use Boscov’s credit card anywhere?
No, the Boscov’s Credit Card is a store card that can only be used at Boscov’s stores and on Boscov’s website.
What do you need for a Boscov’s credit card?
You need to be at least 18 years old, have a valid Social Security number, and provide financial details such as your income and employment status.
How can I pay my Boscov’s bill?
You can pay your Boscov’s Credit Card bill online through the Comenity Bank portal, by phone, by mail, or in person at a Boscov’s store.
What bank is Boscov’s credit card?
Boscov’s Credit Card is issued by Comenity Capital Bank.
What is the easiest card to get?
Store credit cards like Boscov’s, secured credit cards, and cards designed for people with limited or fair credit are usually the easiest to get.
What is the most difficult card to get?
Premium credit cards like the Centurion® Card from American Express (Amex Black Card) and Chase Sapphire Reserve require excellent credit and high income, making them some of the hardest to obtain.
How long does it take to get a credit card?
Approval for the Boscov’s Credit Card can be instant if you apply online, but receiving the physical card in the mail typically takes 7–10 business days.
Conclusion
The Boscov’s Credit Card offers a variety of benefits, including exclusive discounts, special financing, and a rewards program tailored for frequent shoppers at Boscov’s. With no annual fee and easy approval, it’s a convenient option for loyal customers.
However, its high APR, limited usability, and potential customer service issues may be drawbacks for some users.
If you shop at Boscov’s regularly and can pay off your balance in full each month, this card can be a great way to save money. Otherwise, exploring other credit card options with broader benefits may be a smarter financial choice.
