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  Bjorn's Credit Card

Bjorn's Credit Card

in Personal Credit Cards from Citibank

Unaffiliated

Bjorn's Credit Card

Unaffiliated

in Personal Credit Cards from Citibank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0
Purchase APR  (Variable APR) 30.49%

Bjorn's Credit Card Review

Bjorn's Credit Card 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 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 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 stand a chance of qualifying if your credit score is not below 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 rewards.

Is there a Bjorn's Credit Card cash back or rewards program?

No, Bjorn's Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Bjorn's Credit Card has higher than average purchase APRs.

Bjorn's Credit Card has a variable purchase APR of 30.49%.

Does Bjorn's Credit Card have an introductory APR offer on balance transfers??

No, Bjorn's Credit Card does not come with an introductory APR offer for balance transfers.

Does Bjorn's Credit Card have an introductory APR offer on new purchases??

Bjorn's Credit Card does not offer an introductory rate on new purchases.

What are the Bjorn's Credit Card fees?

The following fees apply to Bjorn's Credit Card:

Bjorn's Credit Card Fees
Fees Amount
Annual Fee up to $0
Late Payment Fee $38

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  •   388 Greenwich Street
    New York, NY 10013 USA
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 3:00pm

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Minimum Interest Charge $2
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Card Type Store Card
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
Rewards Categories Retail
Purchase APR (Variable APR) 30.49%

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