Pier 1 Rewards Credit Card Review

This is a store credit card issued by Comenity. If you're wondering whether Pier One 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.

• 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 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.

The Good

The Bad

Exclusive Members Benefits for Pearl Credit Card Members include 15% your next purchase as a welcome offer, 10% birthday bonus, reward perks, extended return time, and members-only-in-store events. Exclusive Members Benefits for Cobalt Credit Card Members include 20% your next purchase as a welcome offer, 15% birthday bonus, reward perks, extended return time, and members-only-in-store events, earn 1 point for every $1 spent and receive a $10 rewards certificate for every 200 points, plus special bonus-points events. Exclusive Members Benefits for Platnium Credit Card Members include 20% your next purchase as a welcome offer, 20% birthday bonus, reward perks, extended return time, and members-only-in-store events, earn 1 point for every $1 spent and receive a $10 rewards certificate for every 200 points, plus special bonus-points events. Also, Platinum Credit Card Members receive 10% off your entire purchase the first Tuesday of every month. No annual fee. Pier 1 Rewards Credit Card reports to multiple credit bureaus.

High interest rates. 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.

Does Pier One credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Pier One credit card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Pier One 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 26.99%.

What are the fees for Pier One credit card?

The following fees apply:

Pier One 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 card.

Does Pier 1 Rewards Credit Card report your account activity to credit bureaus?

Yes, Pier 1 Rewards 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 Pier One credit card

• Visit the Pier One 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.