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  Kirkland's Credit Card

Kirkland's Credit Card

in Personal Credit Cards from Wells Fargo Bank

Unaffiliated

Kirkland's Credit Card

Unaffiliated

in Personal Credit Cards from Wells Fargo Bank

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Highlights
Highlights
Annual Fee N/A
Purchase APR  (Variable APR) Up to 28.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850

Kirkland's Credit Card Review

Kirkland's Credit Card is a store credit card issued by Wells Fargo Bank. 

This card is designed for people with fair credit. The minimum credit score to apply is 650. If you're wondering whether Kirkland's Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Kirkland's Credit Card
The Good The Bad
  • Kirkland's Credit Card reports to multiple credit bureaus.
  • Beginning, May 3, 2018 customers who apply for the Kirkland’s credit card with Wells Fargo Bank, N.A. in stores and are approved will receive 20% off of their next in-store purchase when they use their Kirkland’s credit card.
  • Receive an additional 5% off on in-store purchases every day!
  • Advance notice of sales and promotions
  • Exclusive coupons and special shopping events and no monthly maintenance fee.
  • 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.
  • 5% discount is in-store only and not valid with Kirkland's online store.
  • Is there a Kirkland's Credit Card cash back or rewards program?

    No, Kirkland's Credit Card does not offer a rewards program.

    Kirkland's Credit Card Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the relevant APRs for Kirkland's Credit Card?

    Kirkland's Credit Card has a variable purchase APR of up to 28.99%.

    Does Kirkland's Credit Card have an introductory APR offer?

    Kirkland's Credit Card does not offer an introductory rate on new purchases.
    Kirkland's Credit Card Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    Kirkland's Credit Card Rates & Terms
    Description
    Balance Computation N/A
    Purchase APR Up to 28.99%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR N/A
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Kirkland's Credit Card fees?

    The following fees apply to Kirkland's Credit Card:

    Kirkland's Credit Card Fees
    Fees Amount

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

    Kirkland's 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 Kirkland's Credit Card

    • Visit the Kirkland'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...

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

    Feature Breakdown

    Minimum Interest Charge $1
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Card Network
    • Other
    Card Type
    • Store Card
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Bonus Rewards - Receive 20% off of their next in-store purchase when they use their Kirkland’s credit card. -All customers who apply online and are approved receive a 20% off coupon in the mail with their new Kirkland’s credit card to use on their next in-store purchase. +5% off on all in-store purchases - Advance notice of sales and promotions - Exclusive coupons and special shopping events - No monthly maintenance fee.
    Purchase APR (Variable APR) Up to 28.99%

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