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

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.

Key Takeaways
  • 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.
Pros & Cons of Bjorn's Credit Card
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.
Bjorn's Credit Card FAQ

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%.

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

No, it does not come with an intro APR offer for balance transfers.

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

This card does not offer an intro APR rate on new purchases.

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.

What is the customer service phone number for Bjorn's Credit Card?

The Bjorn's Credit Card customer service number is (800) 950-5114.

What is the support contact email for Bjorn's Credit Card?

The support contact email for Bjorn's Credit Card is customer.help@citi.com.

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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  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
Credit Bureau Reporting
  • Equifax
  • Experian
Rewards Categories
  • Retail
Purchase APR (Variable APR) 30.49%
Card Type
  • Store Card
Card Network Other

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