The Tile Shop Credit Card

The Tile Shop Credit Card Review

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

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 29.99%
• 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.

Pros & Cons of The Tile Shop Credit Card

The Good	The Bad
Special financing for 6 to 18 months. Percentage off a new cardholder's first purchase if special financing isn't selected. 15% off all purchases No annual fee. The Tile Shop Credit Card reports to multiple credit bureaus.	Store purchases only. Cannot be used elsewhere. High interest rate. Can only apply in-store. Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. Does not include many credit card benefits.

The Tile Shop Credit Card FAQ

Does The Tile Shop Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for The Tile Shop 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.

The Tile Shop Credit Card has a variable purchase APR starting at 29.99% . The card has a variable balance transfer APR of 29.9% .

What are the fees for The Tile Shop Credit Card?

The following fees apply:

The Tile Shop 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 The Tile Shop Credit Card report your account activity to credit bureaus?

Yes, The Tile Shop 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 The Tile Shop Credit Card

• Visit the The Tile Shop 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.