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. 

On the other hand, this card does not have a low APR, so you need to pay your bill in full every month in order to avoid expensive interest charges. You can learn more about what I like and don’t like about the offer below. 

What I Like About the Brooks Brothers Credit Card

20% off your first online Brooks Brothers order

You have to make this purchase within 30 days of opening your account. If you do that, you could save a ton, as there does not appear to be a maximum purchase amount other than your credit limit. 
 

$50 back in points on your first non-Brooks Brothers purchase

You need to make a purchase outside Brooks Brothers in the first 60 days your account is open. There’s no stated minimum you must spend, though, so keep your purchase small to get the biggest return in percentage terms. 
 

Pair of $20 bonuses each year

You get one $20 reward for your birthday and another for your account anniversary. 
 

4+ points per $1 spent at Brooks Brothers

The base rewards rate for Brooks Brothers purchases is 4 points per $1 spent with this card, which equals 4% back. If you spend $300 - $1,000 at Brooks Brothers in a year, you’ll get 5 - 8 points per $1.  This will last until the end of December in the following year, unless you requalify.  
 

4 points per $1 spent on gas, groceries and dining out

Spending a lot in these popular purchase categories will help you earn free Brooks Brothers apparel faster. This earning rate is about four times higher than average.  
 

Shipping perks

Cardholders get free shipping on Brooks Brothers orders of $600 or more, plus free return shipping on all orders. 

What I Don’t Like About the Brooks Brothers Credit Card

High APR 

You’re very likely to receive an APR that’s higher than average for your credit score if you get this card. The best way to nullify this potential negative is to pay your full statement balance by the due date every month. That will prevent interest from being charged. 
 

Unimpressive base rewards rate

The Brooks Brothers Credit Card’s minimum rewards rate is just 1 point per $1 spent. That’s about average for a rewards card, but I would have thought an upscale brand like Brooks Brothers could do better. 

If you’re interested in alternatives, you can check out our editors’ picks for the best credit cards for shopping.