Last Updated: 07/28/2025
SuperMoney User Recommendation Score -100
Strongly not recommended10 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
600 - 850
Annual Fee
$0
Number of Reviews
Forever 21 Credit Card Review
This is a store rewards card issued by Comenity Bank. If you're wondering whether Forever 21 Credit Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 20 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Forever 21 credit card
| The Good | The Bad |
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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. This card features rewards for purchases in the following categories:
- Retail
| Description |
Does Forever 21 credit card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 20 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Forever 21 credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Forever 21 credit card benefits?
Forever 21 Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Forever 21 Credit Card has a variable purchase APR of 26.99%. Forever 21 Credit Card does not offer balance transfers.
Does Forever 21 credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Forever 21 Credit Card does not offer balance transfers.Does Forever 21 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 Forever 21 credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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.
What is the customer service phone number for Forever 21 credit card?
The customer service number for Forever 21 credit card is (185) 579-69632.
How do people rate the customer service and user experience of Forever 21 credit card?
Overall, Forever 21 credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Forever 21 Credit Card report your account activity to credit bureaus?
Yes, Forever 21 Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Comenity Bank perform a hard credit pull?
Yes, Forever 21 credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Forever 21 credit card
- Visit the website of Forever 21 credit card.
- 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.
Message from Forever 21 credit card
Hours of Operation
Sunday
9:00AM - 5:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
9:00AM - 5:00PM
Other Services by Comenity Bank
Other Credit Cards from Comenity Bank
Rating not yet determined
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
Up to 850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
Starting at 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 840
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 27.24%
Disclaimer popup with additional information
Balance Transfer APR
Up to 26.99%
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Up to 29.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 26.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 26.99%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.
-100
-1000+100
No one recommends
Everyone recommends
Forever 21 Credit Card Community Reviews
Would you recommend Forever 21 Credit Card to your friends?
BC
Beks C.
Aug 17, 2023
May or may not recommend
I have paid on time every time and this time they claimed I didn’t pay even though the system confirmed it would be withdrawn off my account. They doubled what I originally spent and threw on an extra $2 charge on top of the already doubled price just to be petty. They don’t even have enough good things to want to shop there regularly and have the audacity to overcharge ...Show More
PS
Peter S.
Feb 13, 2022
May or may not recommend
Forever 21 is horrible, I would not recommended for anyone. They steel my money, they keep adding fees on my account after I paid the full amount. Their customer service are horrible too they are rude they don’t know how to treat customers, and they are liars.
YS
Yokasta S.
Oct 11, 2021
May or may not recommend
They charge me after I close my account. the worst credit card
WC
Whitney C.
Feb 4, 2020
May or may not recommend
They have a broken phone system to make payments but charge you $9 to speak with a customer service rep? Wtf??
AJ
Allie J.
Feb 1, 2020
May or may not recommend
Worst credit you can ever get. Forever 21 has stole a lot of money from me , they charge so many fees and i could never finish paying the balance because of all these fees. i always pay on time but they charge me a finance fee every 2 weeks . such a rip off i do not recommend this to anyone. No benefits. Please save your money and dont ...Show More
EL
Emma L.
Nov 29, 2019
May or may not recommend
This is a horrible card I ever have and I close the account today. I was on vacation and could pay my bill because I didn’t have online account. I know it my fault Then I paid $32 with $2 interest charge. They Will Not
Waive for you. When I check my account later in the following month, it said I have balance of $32 late fee again. Spoke ...Show More
U
Anonymous
Oct 23, 2019
May or may not recommend
This credit card is horrible. I have two other cards issued by Comenity Bank (which also issues this card), and I have not had nearly as much frustration with those 2 cards combined than I've had with this one. The first red flag should have been when I went to make my first payment. I had to go through the full process of adding a payment account first before I ...Show More
U
Anonymous
Sep 27, 2019
May or may not recommend
There are better credit cards out there. With most credit cards if you so happen to pay late one time they might forgive you or you have a grace period in which you have to pay before a late fee is added not Forever 21 in fact I did not know I paid the bill late and I paid off all my balance come to find out I get a ...Show More
Dayaris C.
Jul 26, 2019
May or may not recommend
this credit card sucks! super high interest rate and it gives a lot of trouble to log in to the online account.. one time they messed up on my payment as well so it looked like i i missed a payment and messed up my credit. i do not recommend this credit card at all.
DH
Dee H.
Jul 11, 2019
May or may not recommend
Customer Service lines cannot be reached. Offers online portal to access card but the portal cannot locate accounts to register. Website states customers can cancel the card and discontinue the account at anytime via telephone or online however there is no way to cancel the credit card because customer service lines cannot be reached and online portal cannot be accessed. Do not sign up for the credit card. I do ...Show More
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