Bjorn's Credit Card Review

This is a store credit card issued by Citibank. If you're wondering whether Bjorn's 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.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 30.49%
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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.

The Good	The Bad
No annual fee. Bjorn's Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Does Bjorn's Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

• Retail

What are the relevant APRs for Bjorn's 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. It has higher than average regular APRs.

It has a variable purchase APR of 30.49%.

What are the fees for Bjorn's Credit Card?

The following fees apply:

Bjorn's Credit Card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	$38

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

Does Bjorn's Credit Card report your account activity to credit bureaus?

Yes, Bjorn's 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 Bjorn's Credit Card

• Visit the Bjorn's 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.