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.
Editor’s Rating
4.0
User Reviews
3.8
Market Comparison
4.8
fees: 5.0
rewards: 4.8
cost: 5.0
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→19.49% - 32.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
19.49% - 32.99% (V)
annual fee
$0
rewards rate
1 - 4 points / $1
Bonus Offer
5000 points + 20% discount
Bonus Offer
5000 points + 20% discount
minimum credit
Good
WalletHub's Take: The Brooks Brothers Credit Card is a good card to apply for if you have a 700+ credit score, you like to shop at Brooks Brothers, and you also spend a lot at restaurants, gas stations and grocery stores. This card is worth getting because it doesn’t charge an annual fee but does reward you handsomely. For example, you can save 20% on your first online Brooks Brothers order, and you’ll earn up to 4 points / $1 spent on purchases normally.
Pros
No membership fees
High rewards rate
5000 points + 20% discount initial rewards bonus
No foreign fee
Cons
No intro APR on purchases
No balance transfers allowed
Foreign fee
Rewards Details
Receive 20% off your first online purchase at Brooks Brothers within the first 30 days. Plus, earn 5,000 points (equivalent to a $50 reward) on your first purchase outside of Brooks Brothers within 60 days of account opening.
Earn 4 points per $1 spent on groceries, gas, and at restaurants, and 1 point for every $1 spent on all other purchases.
Earn 5 points per $1 spent at Brooks Brothers as a Bronze member (spending under $500/year), 6 points per $1 spent as a Silver member (spending $500–$999.99/year), 7 points per $1 spent as a Gold member (spending over $1,000/year), and 8 points per $1 spent as a Club 1818 member (by invitation).
Earn 3 extra points per $1 spent at Brooks Brothers with Bronze, Silver, or Gold Membership, and 2 extra points per $1 spent with Club 1818 Membership, in addition to base points, when you use your card.
Receive a $25 rewards card for every 2,500 points you accrue.
Receive $20 anniversary and $20 birthday reward.
Additional Info
Exclusive cardholder events, advance special event and sale notifications.
Free return shipping on all Brooks Brothers orders.
Free standard shipping on all purchases when you spend $1,000 or more per year.
Pros, Cons, & Details
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Company full of Fraudulent and Illicit activities. Woke up this morning to a 28-point credit score hit from this credit card company that I've never heard of, much less applied for. Apparently, their cards are for people with bad credit, which does not apply to me since I had a credit score of 802. Their customer service is full of individuals who barely speak English and answer the phone with a simple "Hello," refusing to transfer me to a supervisor and then just hanging up on me. When I called back requesting to speak with the fraud department, the phone was handed to a woman who pretended to be a fraud investigator, but when I asked for her job title, she admitted she is a customer support representative and hung up. I have filed complaints with the FTC, Oregon, and Utah State Attorney General's offices. I'm also writing reviews online. People, please check your credit reports; Concora Credit will let anyone fill out a credit application without verification, resulting in a hard inquiry on your credit file. You will also need to file a local police report because TransUnion will require that for the dispute. I sincerely hope Concora Credit and First Electronic Bank, also known as FEB/Destiny, go bankrupt and insolvent, impacting those responsible, particularly in customer service.
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Product: First Electronic Bank Credit Cards
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Jonathan David Willis @JDWillis
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4 Star Rating
Verified Customer
High interest rate, but handy to have for Brooks Brothers sales at their convenient airport locations, in particular. Better to have the Brooks Brothers Mastercard.
Got this card back in 2015 in order to get discount on men’s suit purchase. The card promises additional points, but not reward them - my plan is to delete this card.
Easy to use but apr is way too high Regardless of credit standing. Some day when people use a regular cc at 10.99 instead of the bb card they may change
Great experience with them. Too bad they closed all their stores. Hopefully they can open again some day. Never had an issue with account.
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Product: First Electronic Bank Credit Cards
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Eric Price @ejpric4j
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5 Star Rating
Verified Customer
Very new to the app great so far love the daily updates also the offers they provide lots of features included very cool app I put this right next to the Experian app as far as quality
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Product: First Electronic Bank Credit Cards
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William Johnsonston @williamj_18
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1 Star Rating
Brook Brothers Clothes are expensive, and they all made from China. Comparing with Saks Off 5th, I believed I can buy similar dress shirts for little less for brand names, and made in Italy. Last year, when I received Brook Brothers card whenever I spent money at the store, I paid the amount in full within 30 days. This year, toward the end of May, I ordered some shirts and the total amount over the card limit of 68cents, and the card didn't approve. Instead of sending the email to let me know right away, they were let me hanging out there for 7 days. Finally, I received the noticed from Brook Brothers that they couldn't approved(remember over limit for 68 cents!!!!!). I called them for additional card in the amount of 68cents, and yet I still haven't received any notification since yesterday. I was thinking if this table turn around, and if for some reasons I pay my bill late for one day they would charged me $35 late fee in new York minutes instead of delay and without notification. This Brook Brothers card is partnering with Citibank retailer division. Citibank is not very good of customer service and not very good bank to beginning with. Therefore, I give this card and Brook Brothers no stars if I can. I highly recommended not applying for Brook Brothers card and shopping with Brook Brothers. Their customer services at the stores are not that good anyway.
The Brooks Brothers MasterCard is a decent credit card overall; however, the rewards program can be beat with other more lucrative cards on the market. Brooks Brothers offers rewards that are equivalent to a $20 certificate for every 2,000 points accumulated on the card. Points are accumulated at 4 for 1 for money spent at BB and at an even 1 to 1 for purchases outside of BB. This is not really a great reward all things considered. You would be better off getting an Amazon rewards card, which offers tiered rewards for restaurants and gasoline as well as Amazon purchases. The best reason to hold the BB card is to get special pricing several times a year. The latest program provided a 25% discount on all purchases--online or in the store. This can be a significant savings. I would suggest getting the BB card for this reason, but seek out another alternative for better overall rewards.
The Brooks Bothers Credit Card is my primary go to card whenever I need to make a purchase. The rewards I receive this just can't be beat by anything else I have. Their website goes above and beyond to help you understand your spending habits and show you ways to improve. If you are eligible, you should definitely apply for this card.
I have had a Brooks Brother credit card for many years. Now all of the sudden the Brooks Brother card changed banks. Today I tried to use my card with is no longer working. I informed Citibank who now sponsors the card. They said the new cards were sent out 10-15 days ago. I don't have y card and have many automatic payments on the card. Brooks Brothers was no help either!. My rating NO stars but I am giving them a one. Really poor customer service. Just a real inconvenience as I am now moving on to a new credit card company because neither Citibank nor Brooks Brothers cares about their customers.
Get answers to your questions about First Electronic Bank Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. 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.
The credit score you need for a Brooks Brothers Credit Card is 700 or better. That means people with at least good credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Brooks Brothers Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it's best to wait to apply until you meet the Brooks Brothers Credit Card credit score requirement. You can check your credit score for free on WalletHub.
You can set up autopay for your Westgate Resorts Credit Card through your online account or the issuer's mobile app for iOS and Android. Once you're enrolled, the issuer will withdraw the payment amount from your linked bank account on the scheduled date.
How to Set Up Westgate Resorts Credit Card Automatic Payments Online
Visit the Westgate Resorts Credit Cardlogin page and enter your phone number.
Enter the six-digit number you received via SMS and log in to your account.
There is no specification of what credit score is needed for the First Electronic Bank credit card. Based on customer reviews, you need to have at least fair credit in order to get approved.
But currently you cannot apply for this credit card.
If you're interested in other store cards, check out this list.
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* The information about the following cards has been independently collected
by WalletHub: Brooks Brothers Credit Card and Westgate Resorts Credit Card.
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