Forever 21 Credit Card

Forever 21 Credit Card Review

This is a store rewards credit card issued by Comenity Bank. If you're wondering whether Forever 21 credit card is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of 20 points that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.99%
• 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 600.

Pros & Cons of Forever 21 credit card

The Good

The Bad

21% off on your Forever Rewarded Anniversary and for Forever 21's birthday $10 birthday discount on a $25 minimum purchase For every 300 points accumulated at the end of an earning period, you will automatically receive a $5 Reward Certificate that can be used at any Forever 21 store in the U.S. and online. No annual fee. Considers applicants with fair credit. Cardholders can earn rewards on their purchases. Forever 21 Credit Card reports to multiple credit bureaus.

High interest rate. This card cannot be on purchases outside of Forever 21. Higher than average purchase APRs. Does not include many credit card benefits.

Forever 21 credit card FAQ

Does Forever 21 credit card have a cash back or rewards program?

Forever 21 credit card is a rewards card.

Forever 21 credit card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	20

What are the Forever 21 credit card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Forever 21 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.

Forever 21 Credit Card has a variable purchase APR of 26.99%.

What are the fees for Forever 21 credit card?

The following fees apply:

Forever 21 credit card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

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

Does Forever 21 Credit Card report your account activity to credit bureaus?

Yes, Forever 21 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 Forever 21 credit card

• Visit the Forever 21 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.