[WARNING] Buckle Credit Card Review // Deceptively Bad Rewards Program!

What's The Buckle Credit Card?

The Buckle Credit Card accounts are issued by Comenity Bank for use only at the Buckle stores and their online website. 

Just to be clear, this card cannot be used anywhere but on the Buckle website or in their stores. 

Customers who use the Buckle Card to make purchases will receive 1 reward for every dollar they spend.

For every 300 points you earn in a set quarter, they will  automatically mail you a $10 reward THAT EXPIRES APPROXIMATELY 5 WEEKS (35 DAYS) FROM THE DATE IT WAS ISSUED. 

Here's where it gets fine printy...

Every quarter you have a chance to earn a $10 reward card for every $300 you spend during the quarter. 

Now, if you spend $199 or less in that quarter you lose all of your points when the quarter ends and do not get any rewards. 

However, if you spend $200-$299 during the quarter but don't reach the 300 points, those points will rollover to the next quarter but can't be rolled over again if you fail to reach 300 and they will be lost. 

So that kind of sucks. 

But it gets worse... You cannot combine your B-rewards (again, these things should be called F-Rewards!) to make a purchase as you can only use one $10 reward per purchase. 

So, if you spend $1500 in the first quarter and received five $10 B-rewards cards, you cannot combine them to make a $50 purchase. 

You would have to make five separate purchases to redeem all of your B-rewards which expire only five weeks (35 days) after you receive them.

A load of crap, right? 

Basically, this rewards program is almost worthless, plus they charge a super high APR rate, there is literally zero reason to apply for the Buckle Card.

Basically what you get with a Buckle CC is a high interest rate card that can't be used to purchase anything anywhere but Buckle. 

Regardless of your credit score there are many better alternatives to the Buckle card option that will save you more money which we will discuss. 

They will cancel it! 

Many Comenity Bank Reviews can be found complaining about how bad their credit score was affected after having their revolving credit account closed for no reason. 

Beware, signing up for a store credit card issued by Comenity Bank or Comenity Capital Bank can cost you a lot of money. 

Comenity Buckle Card Basics

Below are some of the basic features of the Comenity Bank Buckle Credit Card:

Remember that if you payoff the complete balance of your card regularly, Comenity Bank may close your Buckle Credit Account which could hurt your credit score. 

Buckle Comenity Bank Benefits

The Buckle Comenity Card offers extremely low value rewards that are even harder to use based on the terms and conditions. 

These Buckle Rewards (B-Rewards) include: 

What Is The Starting Comenity Buckle Credit Limit 

Your initial Buckle credit limit will be determined by a number of factors including your credit history and income. 

There is no way of predicting the credit limit you will be given.  

Buckle Credit Limit Increase

Your Comenity Bank Buckle Credit Card will periodically be reviewed for eligible credit limit increases. 

If you make you payments on time, Comenity Bank will consider you for a credit limit increase. 

The above is actually true for most credit cards and should not be a determining factor in choosing a high interest, low reward, Buckle Card. 

What makes credit limit increases so great is that they allow you to:

The Buckle Credit Card Pros & Cons

Best Alternatives To The Comenity Bank Buckle Card

Comenity Bank is the 'Nancy' of credit card companies, only caring about their profits with little concern for their customers. 

Before applying for a Comenity Buckle CC I hope you understand that you will be paying much more in interest rates than a more traditional credit card. 

In addition, Comenity Bank Buckle has a long history of closing good customers accounts and hurting their credit score if they do not carry a balance and pay interest. 

Read some of the recent reviews submitted below about Comenity Bank which is the issuer and company you are actually working with if you apply for the Buckle Comenity Credit Card. 

Steps To Take After You're Approved

Make On Time Payments

Making on time payments sounds like a super simple thing to do; however, we all live in the real world where things almost never go as planned.

Be sure, no matter what, to make your payments on time because it is super important and is one of the largest factors in your credit score.

No matter what, avoid late payments.

Keep Credit Utilization Low

Another factor to consider is credit utilization, you really want to keep this under 3% of total credit if you can but try to never get it over 15%.

For example, if your Buckle card has a $300 limit and you spend $60.

Spending $60 on a $300 card limit means you are utilizing is around 20% of your credit on that card and it is above the recommend credit utilization percentage, so be mindful of how much you spend.