Boscov's Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The Boscov's Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate15% discount initial rewards bonusQualify with fair creditHigh regular APR
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.
Boscov's Credit Card has a rating of 3.1/5 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, 3.0/5 for Cost, and 3.6/5 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
3.6/5
109 reviewsRead and write reviews
Market Comparison
Market Comparison
3.1
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
3.0
Other Features
0.0
3.1/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
33.24% (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 $1 spent on all purchases.
Receive birthday and holiday bonus offers, plus 1,000 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 throughout the year.
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.
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
3.6
Market Comparison
3.1
fees: 5.0
rewards: 2.8
cost: 3.0
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
4.9
User Reviews
3.3
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
4.5
User Reviews
3.6
Market Comparison
3.5
fees: 5.0
rewards: 3.0
cost: 3.6
Other Features: 0.0
(109)
(235)
(1,064)
annual fee$0
annual fee$0
annual fee$0
rewards rate 2 points / $1
rewards rate 2% Cash Rewards
rewards rate 1 - 5% Cash Back
bonus offer15% discount
bonus offer $200 Cash Rewards
bonus offerNone
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months from account opening
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 12 months from account opening on qualifying balance transfers|Transfer Fee:3% intro for 120 days from account opening, then up to 5% (min $5)
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.
You can make Boscov's Credit Card payment online, by phone, by mail or through EasyPay. To pay your 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 or use the EasyPay feature in order to pay your bill.
By phone: Call 1-844-271-2778 and enter your card information when prompted, then follow the prompts to make a credit card payment.
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.
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...
You cannot get a cash advance with Boscov's Credit Card. The Boscov's Credit Card can only be used for purchases and only at boscovs.com and Boscov's stores.
The fact that Boscov's Credit Card cash advances are not an option might be a good thing. Cash advances are very expensive, thanks to a cash advance fee and a high cash advance APR that apply as soon as you withdraw the cash. Also, depending on where you get the cash advance, there...
Your Boscov's Credit Card credit limit may have been lowered due to late payments, inactivity, or a change in your credit history. Comenity Bank will periodically review how you're managing your current credit limit and may lower it if it doesn't think you can afford the full thing.
You can call Comenity Bank customer service to ask about the particular reasons why your credit limit was lowered. You can also learn more about the most likely...
The Boscov's Credit Card minimum payment is listed on your monthly credit card statement and in your online account, and it will either be a certain percentage of the statement balance or a flat amount, depending on how high your balance is.
Key Things to Know About Boscov's Credit Card Minimum Payments
The minimum payment will include any applicable fees, past-due amounts, and interest.
If your statement balance is low enough, the Boscov's Credit Card minimum payment...
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
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...
You can check your Boscov's Credit Card application status by calling 1 (844) 271-2778. When you call, you'll need to provide the required information so that Comenity can match you to your application. Comenity does not allow you to check your application status online
How to Check Your Boscov's Credit Card Application Status
Share your insights and review for the Boscov's Credit Card
5
38%
4
18%
3
26%
2
4%
1
15%
3.6
109 reviews
109 reviews
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Christina @chrissy0835
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1 Star Rating
Verified Customer
If I could give negative stars, I would! Terrible creditor, policies, store policies, customer service online and in person. They closed my card probably due to inactivity, and I say good riddance. P.S. As a realtor, I will never recommend Boscov's to any of my clients for home goods or for the parties I throw for them. And I say, good day, sir!
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0
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victoria rudd @kimballjessy
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1 Star Rating
Verified Customer
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.
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0
0
Cathy Eldridge @styleandinspira
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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!!
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2
0
Joseph Robertazzi @josephr70
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1 Star Rating
Verified Customer
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.
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2
0
Jennie @thefictionwelive2
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4 Star Rating
Verified Customer
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
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0
0
Bonnie Cordy @bonniec_8
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1 Star Rating
Verified Customer
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
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Comment
2
0
Bernard @bcartercom1
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3 Star Rating
Verified Customer
Average Store/Retail Card…no real perks!…just use it For small gifts…needs more incentives…also doesn’t give a decent credit limit…
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0
0
elizabeth @elizabethg_129
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5 Star Rating
Verified Customer
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¡!!!!!!!!!!!!
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0
0
jim @jimp_12
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1 Star Rating
Verified Customer
COMMENITY BANK IS THE WORST! i PAID MY ACCOUNT IN AND THEY NEVER GAVE ME CREDIT UNTIL RECENTLY. THEY CHARGE OUTRAGEOUS INTEREST RATES ALSO
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3
0
amy @amy51naple
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4 Star Rating
Verified Customer
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
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