Rue21 Credit Card review: worth the trouble?

PFG's Rating:

Recommended in specific cases. Use the Rue21 Credit Card cautiously. Requires special attention to on-time payments to avoid very high APR and/or fees. If you shop at rue21 very frequently, the 10% back in store credit can make it worth having this card in your wallet

Pros and Cons: Rue21 Credit Card Rewards

Pros

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Effectively a 10% rewards rate – pretty high even for store cards 

N

“Surprise cardholder perks” – we suspect this won’t be much more than them just marketing to you more often, but could include additional sales etc.

N

Anniversary (of credit card account opening) gift – no details available on what this gift might be or it’s potential value

N

“Free shipping events” – to 48 continental states only. No details given on how often this occurs, though

N

Reputable issuer (Comenity Bank)

Cons

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Very high APR – 27%+ – like most store co-brand cards. Be careful to pay off your bill fully each month 

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Points expire after 12 months if not redeemed

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You only earn points in incremental of 750 … or every $50 spent assuming you’re enrolled in the rewards program (750 points/15 points per dollar = $50)

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You can only earn up to 5,000 points per day, equivalent to about $333

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The rue21 credit card is only accepted in rue21 stores

  • 10% rewards rate – only applies to a rue21 store credit 
  • Surprise cardholder perks – unclear what these are or how frequent they are
  • Anniversary gift – value unclear
  • Free shipping events – to lower 48 states. Frequency unknown
  • ~27% APR – this is extremely high, but not uncommon for store co-brand cards
  • $0 annual fee.
    • Applications are subject to credit approval
    • While they will take into account your total application, we recommend a credit score of at least 640 to be likely for approval
    • Be 18 years old (or the age of majority in your state or territory)
    • Have a government issued photo ID and tax identification number (for example a social security number)
    • Be willing to provide a non-PO Box mailing address
    • No additional perks or benefits were identified.

    Interested in other credit cards?

    Check out our credit card hub!

    rue21 Rewards Credit Card Executive Summary: Good option if you shop at rue21 all the time, otherwise, skip it

    If you’re a ‘big time’ rue21 shopper and plan to keep being one, the effective 10% back store credit makes this card worth it. If you’re not a frequent rue21 shopper than the ~27% APR should probably make you run!

    Let’s get into all the details ⏩ ⏩

    rue21 Credit Card Review: Is It for Everyone?

    rue21 is an apparel and accessories store with a huge selection for men and women. Like many stores today, it has released a store credit card: the rue21 Rewards Credit Card.

    In partnership with Bread Financial, the company created a credit card for customers to use in-store. Shopping with this card at rue21 stores comes with its benefits, including notably 10% back in the form of store credit (note: not cash back) but is it worth it?

    The rue21 credit card can be beneficial if you know how to use it to your advantage, but, like any store credit card, there are some things to watch out for too.

    Features and benefits discussion

     Let’s check out the benefits:

    benefits of the rue21 credit card

    As a rue21 rewards credit card holder, you have access to several perks, albeit with some restrictions. Some of these perks include:

    ●      Earning 5 points per $1 you spend. Note that this is on top of the 10 points you already earn as a rue21 rewards program member (which you need to be to have the rue21 credit card in the first place), for a total of 15 points per $1 spent in a rue21 store (max. 5,000 points per day – or about $333)

    ●      Free shipping ‘events’ (only to the 48 continental US states)

    ●      A card-opening anniversary gift

    ●      Exclusive cardholder perks – this usually just means additional marketing or advance notice of sales

    The rue21 credit card point system is fairly simple. You can collect points every time you purchase an item from the rue21 store.

    Every time you collect 750 points, rue21 issues you a $5 gift card. You can then use this gift card to purchase other items from the rue21 store. So it’s really just a form of earning store credit at a 10% rate and issued in the form of a gift card.

    Moreover, once per year, rue21 sends its credit cardholders a gift. This can be an item from the store or an exclusive merch item. To add an element of surprise, you don’t get to pick out your gift. It just arrives at your doorstep. It’s unclear what a typical item is, so we wouldn’t hold out much hope it’s super valuable but could be a fun perk if you’re a major rue21 shopper.

    rue21 also offers free shipping to certain locations. It delivers to all 48 contiguous states of the U.S free of charge, which excludes Alaska and Hawaii.

    Added Benefits

    Besides the reward system, there are a few features about the rue21 card:

    ●      Easy application process

    ●      Quick credit card approval

    ●      No annual fee

    ●      Occasionally will waive interests during special promotions – watch out for these

    Setting up your rue21 credit card should be relatively straightforward. All you have to do is sign up for a rue21 rewards account. Then, navigate the menu to find the credit card application.

    Once you’ve filled it out, many people will get an immediate result for your credit card application status. But, this is not guaranteed and they may take extra time to review your application. This often happens if you have fair or poor credit, or if you previously had a rue21 credit card account. So, for most, unlike other credit cards, you probably won’t have to wait a few days to find out if you’re accepted or denied.

    After you’re done with the application process, there are no annual fee for have the card. That means that only purchases you make will show up on your credit card bill.

    Another standard benefit of using the rue21 credit card is the grace period. After every purchase, you have 25 days to pay back the expense. During this time, rue21 won’t add any interest charges.

    However, after the 25-day period, if you don’t pay the balance in full, you won’t get interest-free purchases until you settle your account. So make sure you pay on time and in full every month – otherwise, you will start accruing the very high ~27% interest rate!

    rue21 can also waive interest during promotional periods. These periods change from year to year. Still, once the promotion ends, your balance can start to accumulate interest again. Watch out for these promotions and make sure you track them carefully to avoid having to pay a lot of interest.

    s

    Drawbacks

    Here’s what to watch out for when using the rue21 Credit Card:

    drawbacks of the rue21 credit card

    Nothing’s without flaw, though, and the rue21 card is no exception.

    ●      Very high APR – at writing about ~27%. While typical for store cards, you can really get into trouble on how much interest you pay if you don’t stay on top of making payments on-time

    ●      Exclusive to the rue21 store, this card will not work at other merchants

    ●      No cash-back option – only a $5 store credit gift card everytime you spend $50

    ●      Gift cards are not customizable

    One of the major drawbacks of the rue21 credit card is the high Annual Percentage Rate (APR) of 27.24%.

    Keep in mind that APR indicates how much interest you can accumulate. In this case, it’s even higher than most unsecured credit cards. Although, very high APRs are common among store credit cards.

    Another drawback of the credit card is you can only use it for the rue21 store.

    rue21 does have a return policy, but unfortunately, it doesn’t include cash back. This means if you purchase with this credit card, you won’t get any cash back, only store credit.

     

    Who the rue21 Rewards Credit Card is great for

    who is the rue21 credit card good for?

    Who Might Benefit From the rue21 Credit Card

    You can only use this card in the rue21 store, which is a tough blow to its general functionality. Only people who shop at this specific store a lot will benefit from having it.

    So, if you enjoy rue21’s products and shop there frequently, this credit card is definitely for you. The 10% store credit rate on purchases is likely worth it if you shop at rue21 a lot. This will allow you to shop freely in the store, and you can get rewards while doing it.

    Why the rue21 Credit Card May Not Be for You

    While you do get a few perks from using the rue21 credit card, it may not be for everyone.

    The APR is incredibly high. So, if you lose your grace period, it can be tough catching up with the interest. Moreover, this card only works in rue21 stores, so this should be one of the primary places you purchase clothes to make it worth keeping track of another credit account.

    Although typical for store cards, the rue21 credit card also does not really have any great perks other than the 10% store credit rewards. That means no cash back, no lounge access, etc.

    A

    Final Word on the rue21 Credit Card

    If you frequent the rue21 store, the rue21 credit card might be a good move for you. Just cover your balance early and keep an eye on the promotions to get the highest bang for your buck!

    Other than that, it’s not going to be very convenient or versatile.

    Other common questions about the rue21 credit card

    I’m looking for the rue21 Credit Card login page

    Try navigating here: https://d.comenity.net/ac/rue21/public/home

    Can you use this credit card outside of rue21 stores?

    No – like many store cards, it only works at the store it is co-branded with, in this case rue21.

    Does rue21 have a credit card?

    Yes. The card this review and page are about: The rue21 Rewards Credit Card. At writing, this is the only credit card rue21 offers.

    Where can I apply for the rue21 credit card?

    Try navigating here: https://d.comenity.net/ac/rue21/public/home

    Editor's Note:

    At Personal Finance Guru, we want to help you maximize your lifestyle through personal finance. You can trust the integrity of our independent financial advice. Our opinions our own and have not been provided, review, approved, or endorsed by any advertiser or financial product provider. To support and grow the site, however, we may receive compensation from the issuers of some products.