BrandSource Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and customer service info for The BrandSource Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh 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 "Improve Credit by Paying in Full Each Month." 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.
BrandSource Credit Card has a rating of 2.0/5 according to our proprietary credit card rating system. This rating reflects how appealing BrandSource 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 'Improve Credit by Paying in Full Each Month'. To break it down further, BrandSource Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.3/5 for Cost, and 3.5/5 for User Reviews. Info about the BrandSource 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
3.5/5
21 reviewsRead and write reviews
Market Comparison
Market Comparison
1.8
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 “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.3
Other Features
0.0
1.8/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
34.24%
Balance Transfer
Balance Transfers Not Allowed
BrandSource Credit Card's Additional Info
Special Financing available to spread payments out over time.
Promotional rebate savings offers.
Dedicated line of credit for your home appliance needs.
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 "Improve Credit by Paying in Full Each Month." 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
3.5
Market Comparison
1.8
fees: 5.0
rewards: 0.0
cost: 3.3
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
4.0WalletHub Rating
WalletHub Rating
4.0
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
4.7
User Reviews
3.9
Market Comparison
4.0
fees: 2.1
rewards: 4.3
cost: 4.6
Other Features: 0.0
(21)
(1,066)
(1,618)
annual fee$0
annual fee$0
annual fee$0 intro 1st yr, $95 after
rewards rateNone
rewards rate 1 - 5% Cash Back
rewards rate 1 - 6% Cash Back
bonus offerNone
bonus offerNone
bonus offer As High As $300 Cash Back. Find Out Your Offer.
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 12 months|Transfer Fee:3% (min $5)
Can't find what you are looking for? Submit your question about BrandSource 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.
No, you cannot use your BrandSource Credit Card anywhere you want, as you can only use it for purchases at BrandSource. The BrandSource Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The BrandSource Credit Card offers accountholders special financing to spread payments out over time and has an annual fee of $0, so it might be worth getting for people who shop at BrandSource often.
No, you cannot rent a car with your BrandSource Credit Card. That's because the BrandSource Credit Card is a store card that is not backed by any major credit card network (Visa, Mastercard, American Express, etc), and can only be used at BrandSource retailers across the country.
If you're looking for a store card that you can rent a car with, then consider the Best Buy® Credit Card, instead. You can use this card everywhere Visa is accepted, including car rental agencies.
Share your insights and review for the BrandSource Credit Card
5
52%
4
14%
3
0%
2
0%
1
33%
3.5
21 reviews
21 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Edward Delucia @eddiedelucia
Report Abuse
1 Star Rating
Verified Customer
They are terrible; my credit limit was 3,000 dollars, they dropped it down to 500. My payments are always on time. They should be ashamed of themselves.
show more
show less
Comment
0
0
Michael Brown @mbrown98122
Report Abuse
1 Star Rating
Horrible customer service staffed by automatons why can't think or provide intelligent answers to the most basic questions. I called customer service three times over two hours (during business hours) and was directed to a message saying "no one can take your call -- please try later." Really? I have not heard that lame message from a business for at least a decade. When I finally reached someone, they had no meaningful response to my very basic question, and expressed no concern at all when I told them about the first two hours of my attempt to reach them. Pathetic.
show more
show less
Comment
0
0
mike clemons @mikeclemons
Report Abuse
5 Star Rating
Verified Customer
I love the deferred interest promotions that they run. The payment reminder emails are also nice. I've had this card for several years and love it. Unfortunately, they do a hard credit pull for credit line increases. They have also lowered my credit line one time because the account was not used for over 12 months.
show more
show less
Comment
0
0
Elizabeth @libbatodd
Report Abuse
5 Star Rating
Verified Customer
I use this mainly for appliances to have them paid more quickly! It is great to keep certain purchases separately from other purchases.
show more
show less
Comment
0
0
raymond @raymonds_62
Report Abuse
5 Star Rating
Verified Customer
I would recommend this company to all!! I was approved the same day , great service….so I could replace my old washer & dryer ⭐️⭐️⭐️⭐️⭐️
show more
show less
Comment
0
1
Alex Die @Pegscore
Report Abuse
1 Star Rating
This company is shady, I bought furniture through from S & A Furniture store, which I cancel my order before delivery date. Furniture store refuse to refund the money to the credit card company. I contacted them and file a dispute all they did was protect theirs and the merchant interest. They refused to process the dispute after many attempts of me contacting them at the end of the day this shady company reported delinquency on my credit report despite me not receiving any goods what so ever. The mere fact you apply for credit through them you are compell to take it even if you later change your mind. I can never recommend this company or citibank!
show more
show less
Comment
0
0
tracy @tracy_clark28
Report Abuse
5 Star Rating
Verified Customer
I am an authorized user on this acct but dont have access to using the card because I'm only on it to help my credit score so I couldnt say if this is a good card or not. Im giving it 5 stars because its helping my credit score increase so it's working well for me.
show more
show less
Comment
0
0
Aaron K @akutzler10
Report Abuse
1 Star Rating
Horrible card and horrible customer service. I used this card to pay for furniture in March of 2020 and set it up for auto pay thinking it would automatically take it out of my bank account each month. The first 4 months it worked fine. On the 5th month I received a notification from my experian account saying my credit score had changed. I looked to see what had happened and noticed i had missed a payment? Seeing that it was Brand Source/CITI CBNA, I reached out and tried to explain that I had the auto pay function on, they refused to work with me and said there was nothing they could do. I tried to file a dispute because I have never been late on a payment in my entire life and they denied the dispute that their system didn't work properly. Due to their system flaw from the auto pay feature, I now have to wait for the late payment to be taken off my account. If I could I would rate -5 stars.
show more
show less
Comment
0
0
Eli @eliv_3
Report Abuse
5 Star Rating
Verified Customer
Great company haven’t had any problems and I’m glad they lended money for my dream couch and giving my credit a chance to grow not many banks or lenders do that
show more
show less
Comment
0
0
Bobby @bobbyibanez
Report Abuse
1 Star Rating
Verified Customer
My account was closed to inactivity i called them they said they sent me a letter and had one sent to my online account well i never received either one and the so called supervisor could not answer why it was not on my online account so now my credit score dropped cause it was closed and they cannot reinstate it i have to reapply so there's another ding on my credit score if i do reapply i'm better off leaving it closed
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Best Buy® Credit Card, Home Depot® Credit Card, Lowe's Store Card, Target Credit Card, and BrandSource Credit Card.
