Compare BrandsMart USA Credit Card with Alternatives

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Credit Card Applications » BrandsMart USA Cards

Best Credit Cards from our partners for Using at BrandsMart USA

BrandsMart USA is a major retailer of consumer electronics centralized in the Southeastern United States. The company was founded in 1977 by Robert Perlman with only a single store located in Miami. Since then, BrandsMart USA has expanded their business by creating additional locations throughout South Florida and the Atlanta area. Due to this, BrandsMart has become one of the largest appliance retailers in the country. In addition to providing shoppers with a huge selection of appliances and electronics, BrandsMart also provides multiple ways for shoppers to finance their purchases, by offering a BrandsMart credit card.

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Card Type
BrandsMart
Shopping
Use
Anywhere
Intro APR on Purchases
Regular APR
Annual Fee
Sign-up Bonus
BrandsMart Cards:
Featured Alternatives to BrandsMart Cards:
Excellent Credit
Excellent Credit
Fair/Bad Credit
Excellent / Good Credit
Citi Rewards+℠ Card Citi® Diamond Preferred® Card Surge Mastercard® The BrandsMart U.S.A. Credit Card
Citi Rewards+ Card Citi® Diamond Preferred® Card Surge Mastercard® The BrandsMart U.S.A. Credit Card
Unfortunately,
we do not currently offer
online application
for this card
Credit Card
Credit Card
Credit Card
Credit Card
0% (15 months on Purchases)
0% (18 months on Purchases)
N/A
No intro APR9
13.49% - 23.49% (Variable)
14.74% - 24.74% (Variable)
24.99% – 29.99%
29.99%9
$0
$0
$75 - $99
$09
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
No
N/A
No bonus offer9

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Expert Rating:

Card Details
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
N/A 0% (18 months on Balance Transfers) 13.99% – 23.99% (Variable) $0 3% of each balance transfer; $5 minimum
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Bad/No Credit
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Expert Rating:

Card Details
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
n/a n/a 0.00% See Terms See terms
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Expert Rating:

Card Details
  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
  • No Annual Fee
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
N/A N/A 15.99% - 24.99% (Variable) $0 3% of each balance transfer; $5 minimum
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Expert Rating:

Card Details
  • Unlimited by Green Dot Bank. Banking. Saving. Simple.
  • 2% interest (APY) on your savings + 2% cash back on online and mobile purchases.
  • Visit GreenDot.com for terms and conditions.
  • 2% Annual Percentage Yield as of 6/2/2020, on savings up to $10K, may change anytime.
Summary of Card Features:
Activation Fee Guaranteed Approval Instant Response Credit Check Credit Agencies Report
See terms No No No No
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Expert Rating:

Card Details
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Balance Transfer Fee Reporting Credit Bureaus
N/A 17.39% (variable) $35 N/A Yes
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Expert Rating:

Card Details
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
N/A N/A 15.99% - 24.99% (Variable) $450 3% of each balance transfer; $5 minimum
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Expert Rating:

Card Details
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Balance Transfer Fee Reporting Credit Bureaus
n/a 9.99% (Fixed) $48 n/a Yes
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Expert Rating:

Card Details
  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Balance Transfer Fee Reporting Credit Bureaus
N/A See Terms* See Terms* N/A Yes
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Fair/Bad Credit
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Expert Rating:

Card Details
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
N/A N/A 24.99% – 29.99% $75 - $99 N/A
See card details

Benefits You Get With The BrandsMart Credit Card

The credit card that is being offered by BrandsMart USA comes with no annual fee and offers a few special financing plans. Some of these financing plans include 0% interest for 36 months on qualifying television purchases as well as no-interest if paid in full within 24 months on qualifying items purchases of Whirlpool Appliances, Sealy Mattresses and more. In addition to this, cardholders also have access to a 6-month special financing plan that is always available on any purchase of $200 or more made on the BrandsMart USA card.

If you decide to use one of the BrandsMart Financing Plans, you need to ensure that all payments are made on time and in-full. Missing one of these payments could potentially void the no-interest offer. The BrandsMart USA card is issued through Synchrony Bank, which allows cardholders to easily make a BrandsMart payment online. This card cannot be applied for online, to do so, you must visit a BrandsMart shopping center and apply in person.

The BrandsMart credit card does include a few limiting features to the fact that it is a store credit card. One problem with the credit card offered by BrandsMart USA is that it is not affiliated with any major payment network. Because of this, you can only use this card to make purchases from BrandsMart and not anywhere else. Another problem with the BrandsMart credit card is that it has a significantly high APR of 29.99%. Many store credit cards will tend to include high APRs.

Since BrandsMart shopping centers are only located in the Southeastern United States, you might not have a BrandsMart located near you. If there aren’t any BrandsMart locations near you or you simply don’t like shopping at BrandsMart, one of these cards might be a better option for you.

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