Barney's New York Credit Card Review

Barney's New York Credit Card is a store rewards credit card issued by Comenity. If you're wondering whether Barney's New York Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• 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 stand a chance of qualifying if your credit score is not below 650.

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

Is there a Barney's New York Credit Card cash back or rewards program?

Barney's New York Credit Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

• Retail

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?

Barney's New York Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Barney's New York Credit Card has higher than average purchase 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 to Barney's New York Credit Card:

Barney's New York Credit Card Fees

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

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

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.