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Burlington Credit Card: Pros, Cons and All You Need to Know

Credit cards are an unavoidable part of our lives, as they come with various benefits and often can be better than paying in cash. In this article we will talk about the Burlington credit card and its advantages and disadvantages.

Since this credit card is quite popular, people are interested in getting more information. Therefore, we’ll share our research and try to answer as many questions as possible.

What Is the Burlington Credit Card?

The Burlington credit card is a private-label – also known as closed-loop or store – credit card issued by Comenity Bank and launched by Burlington in 2019.

Of course, you already know Burlington’s popularity and products, which is why we’ll focus on the credit card and its features more.

To understand the purpose of this credit card, we have to explain more about the closed-loop types of cards.

Unlike your Master, Visa, or another card with an established network, closed-loop credit cards can be used only in one department.

Since these cards are specifically created for a particular business, they often come with various benefits, including but not limited to discounts, loyalty programs, gifts, etc.

Of course, this is not something new, especially for a financial service company such as Comenity, which has over 130 retail partners besides Burlington.

Comenity Capital Bank has done many rebranding, and multiple parent and sister companies are related. All these firms are a part of Bread Financial.

What Credit Score Do You Need for a Burlington Credit Card?

It’s easier to get approved for store credit cards than for regular ones, meaning the eligibility criteria is slightly lower. Most applicants with fair credit scores (580-669 FICO) are approved for a new card without delays.

When it comes to the Burlington credit card, you’ll need a credit score of around 640, which belongs to the fair-credit category.

It’s crucial to note that the store’s website and the bank don’t share this information with the public. Therefore, the only secure way to find out whether you’ll get approved is to apply.

What Is the Burlington Credit Card Limit?

Unlike many other store or regular credit cards that include credit limit information, Burlington’s credit limit is determined depending on the applicant.

This means that you can get a card with a different limit than your friend, according to your credit history, income, and debt.

However, it’s best to keep in mind that private-loop credit cards, such as Burlington, usually come with a low credit limit. For instance, some cardholders have up to $300, which is unsuitable for big purchases.

Still, having a small credit limit can have its own benefits, especially in helping you build payment responsibility and improve your credit score.

Recommended read: Prosper Credit Card: Everything You Need to Know

Is There an Annual Fee?

Multiple sources online say that there’s no annual fee and that clients don’t have to pay membership fees either. However, there’s no information about this on Burlington website.

Even though you will definitely obtain information when you sign the contract for the credit card, not having this information publicly is a massive drawback.

We believe that people should have online access to every detail regarding fees, charges, purchase APRs, cash advance APRs (if applicable), annual fees, membership charges, maintenance fees, etc.

Therefore, we consider the lack of information on the website as a huge disadvantage.

What Bank Does Burlington Credit Card Use?

As we said above, Burlington’s credit card accounts are issued by Comenity Bank.

Comenity Bank was formed in 1989 by the name World Financial Network National Bank. Ever since the beginning, the bank has had a goal to provide co-branded and private-label credit cards.

Even though it changed its name over the years, Comenity Capital Bank and its sister and parent companies today are under the wing of Bread Financial, a financial service company.

Today, Comenity Bank hosts accounts of more than 50 million cardholders. Moreover, it partners with over 130 retailers in order to provide credit solutions.

Recommended read: Revvi Credit Card: Everything You Need to Know

Pros and Cons of Using the Burlington Credit Card

Pros

  • People with fair credit scores may qualify for a credit card
  • The company gives reports to the three major credit bureaus
  • The application process is easy and fast
  • Clients receive their new cards fast
  • New cardholders can get 10% off on their first purchase
  • Excellent reward program – 1 point for every dollar spent

Cons

  • Closed-loop credit card
  • Website lacks information; clients have to go to the local store to get information
  • High purchase APRs of around 30%
  • A fair share of negative customer reviews regarding customer service

Pros and Cons Explained

As we said before, the Burlington credit card has several benefits coming through rewards and loyalty programs.

The rewards program allows you to collect one point for every dollar you spend. After you collect enough points, you can redeem them for reward certificates, those being:

  • 100 points – $5 in rewards
  • 500 points – $25 in rewards
  • 1,000 points – $50 in rewards
  • 2,000 points – $100 in rewards

The loyalty program enhances the benefits list. If you enter the loyalty program, you’ll get extended, receipt-free returns on Burlington purchases, exclusive alerts of new arrivals, and a $5 bonus on all completed layaways.

Moreover, as a new client, you’ll get 10% off on your first purchase if you use the card the same day you receive it.

An additional benefit of using this card is the fact that the three major credit bureaus will receive reports of your payments. Therefore, you may be able to improve your credit.

On the other hand, this credit card has its own drawbacks. For starters, it’s a closed-loop card, meaning you can use it only in Burlington stores.

Most importantly, it comes with high purchase APRs of about 30%, and you must be very careful and make payments on time.

Application Process

Those interested in obtaining a Burlington credit card can apply online or in person at one of Burlington’s stores.

After you send the application, Comenity will review your request, as well as your repayment ability, credit history, and income.

It’s worth mentioning again that the company may deem you eligible even if you have a fair credit score. If your request is accepted, you should receive your credit card in 7-10 business days after approval.

Now, once you become a cardholder, you’ll have your own online account. This is convenient because you can make payments online.

Burlington Credit Card Login Page

To use your account, you have to go to the Comenity official website. Here’s the Burlington credit card login page: https://d.comenity.net/ac/burlington/public/home

Log in to your account by entering your username and password. If by any chance you forget your username or password, click on one of the options displayed below the “Sign In” button.

screenshot from burlington credit card login page
Screenshot from Burlington credit card login page

Conclusion

So, this is it. Did you find the information you’ve been looking for regarding the Burlington credit card? We hope our article answers the questions you need to decide whether this credit card is suitable for you.

Keep in mind that the Burlington credit card has an excellent rewards program that will give you one point for each dollar spent.

Also, it doesn’t have a very large limit, meaning you can practice payment responsibility and improve your credit score.

Not to mention, the credit bureaus will receive reports from the bank, which can also help you repair your credit.

However, before applying for this credit card, also remember that it has high purchase APRs.

Plus, it’s a closed-loop card that you’ll be able to use only in Burlington stores.

Between the high APRs and the lack of usage range, you should think twice about whether it’s the best option for you and maybe even consult a finance advisor.

Photo by Markus Winkler on Unsplash