The Limited Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Limited Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees15% 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 "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.
We're sorry, but The Limited 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: 800-888-3257
The Limited Credit Card has a rating of 2.0/5 according to our proprietary credit card rating system. This rating reflects how appealing The Limited 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, The Limited Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.3/5 for Cost, and 3.7/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.7/5
189 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
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
25.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Earn 1 point for each $1 spent on the card
Use the card you receive in the mail and get 15% off your first purchase.
A birthday gift during the month of your birthday.
Fashion Sneak Peeks: First-look at new arrivals, first dibs on offers and events.
Extra Points: Earn points even faster during events throughout the year.
Free Pant Hemming.
Get a $15 reward for every 300 points you earn shopping with The Limited Credit Card.
Cardholders automatically reach The Limited Premier Card® status at $800 spent on The Limited Store Card: benefits include free standard shipping and at every 250 points earned with The Limited Couture Card you get a $15 reward.
The Limited Credit Card's Additional Info
Manage Your Account: Pay your bill online, View statements and Update your account information.
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
3.7
Market Comparison
1.8
fees: 5.0
rewards: 0.0
cost: 3.3
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
5.0
User Reviews
3.1
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
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
(189)
(162)
(3,514)
annual fee$0
annual fee$0
annual fee$95
rewards rate 1 point / $1
rewards rate 2% Cash Rewards
rewards rate 1 - 5 points / $1
bonus offer15% discount
bonus offer $200 Cash Rewards
bonus offer 60,000 points
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months from account opening
Purchase 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 The Limited 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.
Unfortunately, you can no longer use The Limited Credit Card. The card has been discontinued and your account will automatically be closed by the issuer as soon as you pay off your balance.
However, if you are looking for a clothing store credit card, you could consider other options. For example, you could check out the Lane Bryant Credit Card or the Loft Store Card. Keep in mind, though, that these are store credit cards, meaning that they can only be used to make purchases from one retailer or a group of related retailers.
Share your insights and review for The Limited Credit Card
5
10%
4
70%
3
10%
2
5%
1
6%
3.7
189 reviews
189 reviews
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Constance @constancechristakos
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5 Star Rating
Verified Customer
This store no longer exists. So I no longer use this credit card. I’m not sure why it is showing up under my credit. I thought all these cards were eliminated.
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0
1
m3llani3 @m3llani3
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1 Star Rating
Been using this card since 2004- Just now I have been running late with payments and they could not even return 2 late fees for me, while other credit companies have been more understanding.
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0
0
Cynthia Martin @cynthia.m.martin.9
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4 Star Rating
The application process was ridiculously easy. I just gave the most basic details, and was approved in seconds. Making purchases online is just as straightforward as using a regular debit or credit card, and the rewards are okay, as well. While I wish we didn’t have to spend so much to receive the rewards, I suppose it’s a nice treat when they come.
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4
1
Stephen McPeak @stephenm_21
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3 Star Rating
For a store credit card, this one I can only say is decent. While some of the rewards are good, any time I have had to deal with customer service of process a return, it has been an absolute nightmare to deal with. You need to be able to balance out the rewards with any possibility of a return. If you think the item you are buying might have to be returned at any point, I would suggest using a different card. Otherwise, get the points you can because they will add up quickly with this card.
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4
1
Krista Kay @kristak4
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1 Star Rating
This is a terrible credit card. TERRIBLE. I regret ever opening it. The discounts are fine, but it doesn't make up for the fact that the customer service is abysmal and they process everything SO SLOWLY. For instance, if you return something, it won't be reflected on your credit card for TWO billing cycles. In comparison, Amazon processes returns in two days. Thus, you have to pay for items even if you later return them in order to avoid paying the ridiculous interest rates, so there are effectively no returns. There also isn't free shipping for cardholders, which also doesn't make any sense.
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Comment
3
4
Brian Hawley @brianh_27
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4 Star Rating
The Limited credit card looks like a great deal. I like that it has no annual fee, and all the perks are awesome. The rewards and points program, and the 'free pants hemming' are especially going to work for me. Although the 24.99% rate is a little high, it is comparable to other credit cards. I tend to pay my balance off before I get charged the interest rate.
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2
2
Chris Gascon @chrisg
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4 Star Rating
For a store credit card there are some pretty good features, especially since the only requirement is a "fair" score. Lots of opportunities to earn rewards and if you're shopping at the limited it's a great card to have. The Limited Credit Card also has a comparably better standard APR, 24.99% as compared to other store credit cards, such as my TJ Maxx rewards card with an APR of 26.99%. Overall the it serves its purpose and for anyone regularly shopping at the Limited this card is a must have.
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2
2
Alex Sarria @alexs_16
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4 Star Rating
The Limited Credit Card looks great. With no annual fee and an opportunity to rack up a bunch of points that open you up to a lot of benefits, this is a great card for anyone who loves to shop. With the benefit of receiving $15 for every $300 spent this is a wonderful benefit. There is also the possibility of receiving The Limited Couture Card, which provides free shipping and a $15 reward for every $250 spent. This card is very good when shopping at this particular store, however another card that can greatly benefit you in everyday purchases that provides many points for every purchase is the Chase Freedom card.
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2
2
Frank Hamm @frankh_8
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5 Star Rating
The Limited Store Card can be great depending on your use/shopping habits. If you are a big fan of The Limited, this card is perfect for you. Competitive interest combined with a lot of Limited specific benefits will really save you a lot of money both with the initial purchase (15%!) and subsequent ones. But if you're not a big shopper there, this card won't offer you as much.
If not, a more versatile rewards card from say Visa or Discover would better suit your needs. Beyond that though, this is still a fantastic choice for certain people.
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1
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Juan Henderson @juanh_8
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5 Star Rating
I think the Limited Credit Card is cool. Like they said, I received my card in the mail and got 15% off of my first purchase which was a microwave for my mom. I feel like I have so much more in store because my birthday is coming up and they give you rewards on your birthday month. And I'm almost at that three hundred dollar mark so I can get a free fifteen bucks shortly which I'm gonna use to help me purchase a birthday gift for my sister. All in all, its a great card.
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Banana Republic Store Card, Victoria's Secret Credit Card, Express Credit Card, Kohl's Credit Card, Loft Store Card, The Limited Credit Card, and Lane Bryant Credit Card
WalletHub is an independent comparison service.
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