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Credit Card Applications » Questions » User Questions » Cash Back Rewards » I just moved and there are Bed, Bath and Beyond locations close by that my wife has been ...

I just moved and there are Bed, Bath and Beyond locations close by that my wife has been frequenting. I was considering applying for their credit card, is it worth it? What are the rewards like? What is the APR?

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Leo Zhu

The annual percentage rate can range from 13.99% to 22.99% based on your credit history. The better your credit, the lower your interest rates. They have a reward rate of 5% when shopping there or at one of their partner stores such as buybuy Baby, Christmas Tree Shops and Harmon. All other purchases earn one percent. If you have good credit, there are many cards that can yield at least 1.5% on everything and cards that have rotating categories which can get you 5% on most things. Another thing to consider is that they inflict a minimum interest charge of $2, which means a minimal balance can cause a proportionally high interest rate. This could quickly negate any rewards.

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Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
For Excellent/Good Credit
2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
For Fair Credit
Earn 1% cash back on gas and grocery purchases. Terms apply.
For Fair Credit

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