Forever 21 Credit Card Review

Forever 21 Credit Card is a store rewards credit card issued by Comenity. If you're wondering whether Forever 21 Credit Card is the right card for you, read on. This is everything you need to know 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 starting at 29.24%
• 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 600.

Forever 21 Credit Card Pros and Cons:

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 No annual fee. Considers applicants with fair or poor credit. Cardholders can earn rewards on their purchases. Forever 21 Credit Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	High interest rate. This card cannot be on purchases outside of Forever 21. 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 rewards.

Is there a Forever 21 Credit Card cash back or rewards program?

Forever 21 Credit Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

• Retail

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 Spend Requirement	$0

What are the relevant APRs for Forever 21 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. Forever 21 Credit Card has higher than average purchase APRs.

Forever 21 Credit Card has a variable purchase APR starting at 29.24% .

What are the Forever 21 Credit Card fees?

The following fees apply to Forever 21 Credit Card:

Forever 21 Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

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

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 can help improve your credit score.

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 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.