Burlington Credit score Card evaluate: Full particulars

*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

Retailer bank cards are infrequently the perfect addition to your pockets. Although you may generally hear a pitch on the checkout counter to rack up instantaneous financial savings by getting authorised for a bank card with a retailer you frequent, these bank cards hardly ever earn actually helpful rewards.

The Comenity Financial institution Burlington Credit score Card matches into this class, as you’ll be able to solely apply it to purchases with Burlington and its sister shops to earn factors for rewards certificates that may solely be redeemed inside Burlington retailers. This makes it a strict closed-loop card with a stringent redemption choice.

The Burlington Credit score Card has no annual charge and a advisable credit score rating of 640 or increased.

Learn on for extra the reason why I would not advocate making use of for the Burlington Credit score Card.

The data for the Burlington Credit score Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

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After you open the Burlington card, you may obtain a ten% low cost in your first buy made. In case you’re authorised in-store, this low cost may be utilized on the identical day. Those that apply on-line can anticipate to obtain a ten% low cost code of their e mail inbox inside two days of approval.

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That ends the unique advantages for cardmembers, as the opposite perks you may get with the Burlington card may also be acquired by becoming a member of Burlington’s loyalty program, which you may be routinely enrolled in when you select to get the cardboard.

Nonetheless, you may be added to the shop’s loyalty program with out paying a dime by merely becoming a member of on-line.

Loyalty program members get prolonged intervals to return objects bought at Burlington, advance discover on offers and new arrivals and a $5 bonus on accomplished layaway transactions. Once more, you will get all these perks with out making use of for the Burlington card, although additionally, you will obtain these perks when you do select to open the cardboard.

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Incomes and redeeming rewards on the Burlington Credit score Card

The Burlington Credit score Card earns 1 level for each greenback spent at Burlington, Cohoes Fashions and MJM Designer Footwear on the cardboard. You’ll be able to solely use the cardboard on purchases at these shops, so that is solely helpful when you often spend with the retailer and its sister shops.

There are no bonus-earning classes or standing tiers to earn extra factors, and you can’t use the Burlington card on any exterior purchases.

One optimistic is that factors earnings are rounded up, per these phrases:

“Reward earn is rounded to the closest entire level worth utilizing normal rounding. Incomes calculations that finish in .5 will spherical as much as the following entire level worth. For instance, earn calculated to 1.5 factors rounds to 2 factors. All calculations that lead to lower than .5 will spherical down. For instance, calculated earn of 1.4 factors would spherical to 1 level.”

For example, spending $20.50 together with your Burlington card would earn 20.5 factors; underneath the above phrases, you’d really earn 21 factors on that buy.

Factors may be redeemed for rewards certificates that can be utilized at Burlington shops. You’ll be able to’t use these money certificates on “taxes, prior purchases, present playing cards or companies akin to future layaway charges or tailoring,” per the cardboard’s phrases.

Maybe one of the limiting components of the Burlington card’s incomes construction is which you can solely redeem factors in increments of 100 at a price of $5 per 100 factors. Whereas this does imply that 1 level is value 5 cents, you might be restricted to redeeming rewards certificates in increments of 100.

So, when you had been to spend $500 with the cardboard, you’ll be able to anticipate to obtain a $25 rewards certificates in your account inside “60-90 days of attaining your reward,” per the phrases. I view this as an honest return if you’re loyal to Burlington, however 100 factors at a price of 1 level per greenback generally is a steep threshold to achieve.

Additionally, it is necessary to notice that each your factors and rewards certificates earned with the Burlington Credit score Card expire. Factors will go away your account 12 months after the date they had been posted to your factors steadiness. Rewards certificates will not be obtainable 60 days from the date they had been issued.

These are comparatively fast turnarounds to make use of what you earn — particularly for the rewards certificates.

The place can I exploit my Burlington Credit score Card?

You’ll be able to solely use your Burlington card to make purchases with Burlington, Cohoes Fashions and MJM Designer Footwear. In case you want a card for on a regular basis use, this isn’t the cardboard for you.

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For extra choices, try our full lists of the finest playing cards for on a regular basis spending and the finest cash-back playing cards.

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