Barney's New York Credit Card

Barney's New York Credit Card Review

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This is a store rewards credit card issued by Comenity Bank. If you're wondering whether Barney's New York Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.24%
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Barney's New York Credit Card

The Good	The Bad
No annual fee. Cardholders can earn rewards on purchases everywhere Barney's New York Credit Card is accepted. Barney's New York Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not include many credit card benefits.

Barney's New York Credit Card FAQ

Does Barney's New York Credit Card have a cash back or rewards program?

Barney's New York Credit Card is a rewards card.

Barney's New York Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus Spend Requirement	$0

What are the Barney's New York Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Barney's New York Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Barney's New York Credit Card has a variable purchase APR of 26.24%.

What are the fees for Barney's New York Credit Card?

The following fees apply:

Barney's New York Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $38
Late Payment Fee	up to $38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Barney's New York Credit Card report your account activity to credit bureaus?

Yes, Barney's New York Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Barney's New York Credit Card

• Visit the Barney's New York Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.