Buckle Credit Card ReviewsReviews, rates, fees and rewards details for the Buckle Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership feesHigh rewards rate10% discount initial rewards bonusQualify with fair creditSpending caps on 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 "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.
Buckle Credit Card has a rating of 4.1/5 according to our proprietary credit card rating system. This rating reflects how appealing Buckle 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, Buckle Credit Card earned a score of 5.0/5 for Fees, 4.3/5 for Rewards, 4.3/5 for Cost, and 3.3/5 for User Reviews. Info about the Buckle 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
3.3/5
149 reviewsRead and write reviews
Editor’s Review
3.5/5
John Kiernan, Credit Card EditorRead full review
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
4.3
Cost
4.3
Other Features
0.0
4.2/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
33.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
10% off your first Buckle Credit Card purchase.
Earn 2 points for each dollar spent on net eligible purchases. Upgrade to Premier+ by spending $1,000 annually and earn 3 points per dollar.
Receive a $10 reward for every 300 points earned.
Free shipping for purchases over $99 and on all purchases if you reach Premier+.
Solid first-purchase discount. The promise of receiving 10% off your first purchase is reason enough for any Buckle fan to apply for the Buckle Credit Card. That’s not the biggest initial discount available from a store card – Kohl’s offers 35% off, for example – but it could save you a lot of dough if you time things right.
Decent ongoing rewards. You will earn 2 points for every $1 that you charge to the Buckle Credit Card. And every 300 points you earn are good for $10 in store credit. That means each point is worth $0.033 and you are basically earning 6.6% back. That’s pretty good, a bit over the 5% back you can get from the best store credit cards. And the Buckle Store Card’s promise of “special offers” doesn’t figure to make up the difference.
Average interest rate. To put the Buckle Card’s APR into context, the average store credit card has a 30.16% APR. In short, that means you should always pay your monthly bill in full.
No annual fee & fair-credit requirement are standard. Nearly all store credit cards lack annual fees and require fair credit or better for approval. Both are good things, so you shouldn’t worry about the Buckle Card being in the middle of the pack in these regards. And if you’re not sure where your credit stands, you can check your credit score for free on WalletHub.
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Compare The Buckle Credit Card vs. Popular Alternatives
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
3.5
User Reviews
3.3
Market Comparison
4.2
fees: 5.0
rewards: 4.3
cost: 4.3
Other Features: 0.0
4.6WalletHub Rating
WalletHub Rating
4.6
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 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
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
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
5.0
User Reviews
3.1
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
(149)
(3,514)
(162)
annual fee$0
annual fee$95
annual fee$0
rewards rate 2 points / $1
rewards rate 1 - 5 points / $1
rewards rate 2% Cash Rewards
bonus offer10% discount
bonus offer 60,000 points
bonus offer $200 Cash Rewards
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months from account opening
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months from account opening on qualifying balance transfers|Transfer Fee:3% intro for 120 days, then up to 5% (min $5)
Can't find what you are looking for? Submit your question about Buckle 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 apply for the Buckle Credit Card either online or at any Buckle store location. Keep in mind that in-store applications require you to present a valid government-issued photo ID. Unfortunately, phone applications are not possible for the Buckle Credit Card.
You will need a credit score of at least 640 (fair credit) to be considered eligible. Plus, the issuer will also consider other factors when looking at your application, such as your income or existing debts.
The Buckle Credit Card credit score requirement is 640, at the minimum. That means people with fair credit or better have a shot at getting approved for the Buckle Credit Card.
Other Buckle Credit Card Approval Requirements
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 Buckle Credit Card, too. Some other key criteria include your income, existing debt load, number of...
No, you cannot use your Buckle Credit Card card anywhere you want, as you can only use it for purchases at Buckle stores. The Buckle Credit Card card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
The Buckle Credit Card minimum payment is $27 or 5% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher. If the statement balance is less than $27, the Buckle Credit Card minimum payment will be equal to the balance. In addition, if you recently missed a payment, Comenity Capital may add a late fee to your minimum payment.
The minimum payment is the smallest amount you're required to pay by the due date...
Yes, the Buckle Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
There is no way to pre-qualify for the Buckle Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people's scores bounce back within 3-6 months with responsible credit management, but it can take...
You can get a Buckle Credit Card credit limit increase by requesting it online or by calling 1-888-427-7786.
Comenity Bank will also periodically review your account to see if you're eligible for an increase.
Your best chances of getting an increase are if you've been paying your bills on time and in full for the last 6 months, or if your credit score and income have improved since you applied.
The Buckle Credit Card late fee is up to $41, which applies when you don't make the minimum payment by the due date. The late fee for the Buckle Credit Card can never exceed the minimum payment amount, though.
If you accidentally make less than the required minimum payment or you miss your Buckle Credit Card due date entirely, you can always ask customer service to waive the late fee by calling (888) 427-7786. This is much more likely to work...
Going over your Buckle Credit Card credit limit could negatively impact your credit score. You could also be penalized with a credit limit decrease or even losing your card privileges until you pay your balance. It may be possible to go over your credit limit when making a purchase (without having to opt-in for this feature), but it's not guaranteed that the issuer will allow it.
Consequences of Going Over Your Buckle Credit Card Credit Limit
Share your insights and review for the Buckle Credit Card
5
34%
4
17%
3
17%
2
10%
1
22%
3.3
149 reviews
149 reviews
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Dirk Diggler @rlshock36
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5 Star Rating
Verified Customer
Cool store card. Always comes in handy when I’m close to a Buckle store.’hassle free payments. I’ve never had any issues using my card. The interest rates are comparable to other store cards. I pay mine off monthly so the interest doesn’t affect me. The have a nice rewards program if you use you store card. I’ve saved as much as $150.00 at check out!
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Shannon @shannonflournoy
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5 Star Rating
Verified Customer
Great company to have credit with..always great rewards if you on time with your payment...and great incentive for your hard work
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0
Ashton @ashtonc_7
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1 Star Rating
Verified Customer
I legit only had $58 to pay off then when i check the next time its almost $350 in fees its for sure one of the scam cards that trys to steal money
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Mary @lugo_mary26
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5 Star Rating
Verified Customer
Payed this bill off thank you for all the goodies appreciated for your new line of clothes and boots and all the perfume and all the accessories
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0
0
Chauncy @chauncy_h14
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1 Star Rating
Verified Customer
They never sent me the bill, so it showed up as last paid on my account. Witch do declined my credit score. So I canceled the card and will no longer use one.
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0
Eric @ericm_317
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1 Star Rating
Verified Customer
Even though you keep your credit with them in good standing and never been late they just cancel your account never will I open an account with them just bad business
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0
Amanda @amandahopper777
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5 Star Rating
Verified Customer
Great for learning how to achieve credit and better my credit score! Very understanding and made my credit score go up! And I love the quality in the clothes and great prices! And different quality brands and affordable prices!
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0
Brandi @brandib_41
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5 Star Rating
Verified Customer
Buckle is great. Great credit builder also. Putting my kid on this card as a user helping her credit too. Great card to have. Thumbs up.
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Jennifer @queenyjwh3
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5 Star Rating
Verified Customer
I love this card. I love everything about buckle and store items are very good quality. The black card looks amazing and I so greatly appreciate buckle store
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Melissa @meliscody84
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5 Star Rating
Verified Customer
They are amazing when it comes to needing help in certain situations financially. They will go through everything that they can to try to help you and can give you hardships through those times.
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Victoria's Secret Credit Card, Ulta Credit Card, Macy's Credit Card, Saks Fifth Avenue Credit Card, Kohl's Credit Card, and Buckle Credit Card
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