Roaman's® Credit Card

Roaman's® Credit Card Review

This is a store card issued by Comenity Bank. If you're wondering whether Roaman's® Credit Card is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of up to $20 if you spend $25.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.24%
• 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.

Pros & Cons of Roaman's® Credit Card

The Good

The Bad

Earn Rewards Every Time You Shop*. $10 Rewards for every 400 points earned. $1 spent = 2 points earned. 20% Off your entire order plus double points every time you order during your birthday month. Free Shipping 4 Times a Year They'll let you know via email when Free Shipping events are scheduled. No promo code needed. Receive $10 off from your current order and $10 bonus reward in your first billing statement. No annual fee. Identity Theft Protection. Roaman's® Credit Card reports to multiple credit bureaus.

High interest rates. Higher than average purchase APRs. Does not offer rewards or cash back. Does not include many credit card benefits.

Roaman's® Credit Card FAQ

Does Roaman's® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Roaman's® Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Roaman's® 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.

Roaman's® Credit Card has a variable purchase APR of 29.24%.

What are the fees for Roaman's® Credit Card?

The following fees apply:

Roaman's® Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $41
Late Payment Fee	up to $41

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

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

Yes, Roaman'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 may help improve your credit.

How to apply for Roaman's® Credit Card

• Visit the Roaman'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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.