Carson’s credit card: a good store card?

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Carson, the popular departmental store has come up with its own card, the Carson’s Credit Card. Issued by Comenity Bank, the credit qualifications and promotions are decided by the bank. This credit card offers a host of benefits and perks to its cardholders. Let us look at the features of this exclusive store card.

 

Features of Carson’s Credit Card

  • Annual Percentage Rate (APR): 24.99% (Variable)
  • No annual fee
  • $20 rewards coupon on sign up
  • Maximum late fee: $35
  • Grace period: 25 days
  • Online account handling

 

The Carson’s Credit Card offers an exciting sign-up bonus. After you spend $200, you earn a $20 rewards certificate. You can use this certificate for any purchase of $50 or above. And, after you spend $200 in a month, you get two $20 reward certificates, with which you can shop in a brick and mortar store or online at any of its family stores. To save more, you can combine your rewards certificate with other transactions or keep it for a later time to buy an expensive item.

 

You can upgrade your Carson’s Credit Card to the Elite Membership level, after spending $1000 or above in a calendar year. With the Elite status, you get additional benefits, such as free shipping, exclusive discounts, special upgrade promotions, etc. It also includes a special ‘anniversary celebration’ coupon.

 

With the Carson’s Credit Card, you can shop at any of its family brands, including Bergner’s, Bon-Ton, Carson’s, Boston Store, Herberger’s, Elder-Beerman, and Younkers. additionally, you can handle your account online. With this card, you can pay your online bills for free, without any transaction charges. Paperless statements, promotional emails, and mobile notifications are some of the other features that make this card handy. You can even contact Carson’s customer care center, if you have some query related to the card.

 

Bottom line

The interest rate of 24.99% on Carson’s Credit Card can vary according to the creditworthiness of the cardholder. Further, to maintain the overall benefits, you need to maintain your level of spending while using this card. The $20 rewards certificate is not eligible for perfumes, cosmetics, and home stores. On these categories, you will only get a 15% discount. The major drawback of this card is that discounts or reward points are not valid on furniture and department purchases.

 

The Carson’s Credit Card is only advised, if you regularly spend a minimum of $1000 at Carson’s or any of its family brands. And, it will be worthwhile when you use your reward coupons wisely on big purchases. The card is only valid on Carson’s or its family stores, and not on any other store. In this case, you can try other rewards credit cards, which offer 5% discount on all department or clothing stores.

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