Forever 21 Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The Forever 21 Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateup to 35% discount initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersForeign feeRequires good/excellent credit
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.
We're sorry, but the Forever 21 Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 866-412-5563
Forever 21 Credit Card has a rating of 4.1/5 according to our proprietary credit card rating system. This rating reflects how appealing Forever 21 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, Forever 21 Credit Card earned a score of 5.0/5 for Fees, 4.2/5 for Rewards, 4.3/5 for Cost, and 3.0/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.0/5
26 reviewsRead and write reviews
Market Comparison
Market Comparison
4.2
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
4.2
Cost
4.3
Other Features
0.0
4.2/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
35.99%
Balance Transfer
APR: 26.99%
Balance Transfer Fee:5% (min $10)
Rewards
Receive 20% off your first purchase when you open & use your card same day as account opening, plus 15% off your next purchase when you receive your card.
Earn 3 Points per $1 spent in store & online at Forever 21, 2 Points per $1 spent on qualifying restaurant purchases and 1 Point per $1 spent anywhere else Visa is accepted.
Earn a $5 rewards certificate for every 300 points.
Get a $10 birthday discount with a minimum purchase of $25.
Get 21% off on your Forever Rewarded Anniversary and Forever 21's Birthday.
Forever 21 Credit Card's Additional Info
Free standard shipping events and exclusive offers throughout the year.
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
3.0
Market Comparison
4.2
fees: 5.0
rewards: 4.2
cost: 4.3
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
4.0
User Reviews
3.8
Market Comparison
4.0
fees: 1.3
rewards: 4.8
cost: 4.7
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 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
4.2
User Reviews
3.5
Market Comparison
4.1
fees: 5.0
rewards: 3.9
cost: 4.2
Other Features: 0.0
(13)
(511)
(45)
annual fee$0
annual fee$325
annual fee$0
rewards rate 1 - 3 points / $1
rewards rate 1 - 5 points / $1
rewards rate 1 - 3 points / $1
bonus offerup to 35% discount
bonus offer As High As 100,000 points. Find Out Your Offer.
bonus offer 20,000 points
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months from account opening
Can't find what you are looking for? Submit your question about Forever 21 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.
Over the phone: Call (866) 512-6286 and enter your account number when prompted. Then, follow the automated instructions to get connected to a customer service rep. You can then let them know that you wish to cancel your account.
Via mail: Send your request to cancel the Forever 21 Credit Card at the following address:
Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003
It's best to consider whether cancelling is a wise move, especially if you have a card that doesn't charge an annual fee. Plus, a cancelled credit card will increase your credit utilization and reduce your average account age. Therefore, it may affect your credit score.
You can make Forever 21 Credit Card payment online, by phone, by mail or through EasyPay. To pay your Forever 21 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.
Share your insights and review for the Forever 21 Credit Card
5
46%
4
0%
3
8%
2
0%
1
46%
3.0
13 reviews
13 reviews
What's Your Rating?
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Linda Mendez @Lollipop2023
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1 Star Rating
Customer service is the worst . I have excellent credit with no debt . They tried charging me 100% my purchase in a late fee . It was their fault I hadn’t received the card or statement . Then the deleted the late fee and refunded me since I had already paid it . Then the next day I had a higher “late fee “ for paying the first late fee late . So at this point over $50 in late fees for a $19 charge . All in the span of less then a month . Had to call and fight with them to close the account once all fees had been removed . Stay away from this card .
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1
0
Kimberly Miller @kimberlymiller0192
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5 Star Rating
Verified Customer
They have really worked with me Im so happy they never closed my card. I love F21 visa. Apply in store for visa approval instead of online youll only get approved for store card. Tip: this is with any store if they have visa/mastercard.
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Comment
0
0
Peggy @peggyf4
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5 Star Rating
Verified Customer
I paid this account in fill in the amount of $3,002.98 because I was so tired of paying the high interest fees. They have no mercy or concern for their customers who aren’t getting anywhere if they are trying to pay off their accounts. I recently charged an item for under $170 and I intend to pay this off as soon as I can!
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0
0
Blanche LeSueur @blanchel_1
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1 Star Rating
Verified Customer
Received new credit card at my home. Place order one paid realized going to old address. Immediately called customer service yet they directed me to your shipper. Still with notifications both your company and shipper allowed theft. Next for months made to prove a package delivered in Stone Mountain, GA couldn’t be in my position in Kissimmee, FL where the credit card was sent by your company.
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0
0
GABYONFRIDAY @GABYONFRIDAY
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1 Star Rating
Verified Customer
They decrease credit limit when they realized I increased frequency and amount of pay to keep my credit score low. Also I called and they say they report to credit bureaus every three months…. Shouldn’t it be 45 days minimum? scam they deserve a formal investigation
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Comment
0
0
Rene @rl831661702
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5 Star Rating
Verified Customer
Wallet Hub score was 737 when I got approved for the Forever 21 Visa card (store application) with a starting limit of 1,000. After being approved my score has now dropped to 729.
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Comment
0
0
Staci Icats @stacimarie3000
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3 Star Rating
Online login issues have been bothering me lately. I wrote down my username and password so I know it is correct. When I use the forgot my password option and enter everything required it gives me the message that my account info is not matching. I called and used the automated phone system without issues so I know my info is correct. No idea what is the problem. If I can only access my account by phone that's going to make me less likely to use my card. Thank goodness I didn't go paperless for my statements.
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Comment
0
0
lesliecrawford155 @lesliecrawford155
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1 Star Rating
Verified Customer
Forever 21 clothing store itself is wonderful, the card/ bank sucks the employees from the managers to the supervisors suck and are extremely unprofessional. They steal money from the card holders with the new online payment system having countless “late fees” and making it difficult to pay over the phone then when you do speak to them they charge you a $9 fee for that. Representatives robin and Jennifer are the reason they lost my business.
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2
0
tlj081287 @tlj081287
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1 Star Rating
I've had this card for quite a few years. Recently the "service" has been garbage. I used the card, paid the balance off (less than a third of my limit) within two months, and Comenity lowered by credit limit for using the card. I haven't used the card in about a year, but last week requested and was approved for a limit increase. Two days later Comenity closed my account for "lack of activity". When I contacted them, I was told the account was closed for a change on my credit report... my score went up. No late payments on any account and no collections, but my account was closed out of no where. Definitely don't recommend this bank.
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0
0
Natali @ncastellanos3
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5 Star Rating
Verified Customer
Great credit card to start with plus they give you good deals and points. Decided to get this card because I always shop at this location
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