Recently I was shopping online for bedding when I stumbled upon BrylaneHome.com, which sells kitchen/bedroom/bath/home décor.
I actually ended up buying my sheets from Amazon.com instead, but did take a good gander at Brylane home and saw they were peddling their own branded credit card.
Should you use it for shopping with them or not?
- 1 coupon for 20% off the highest priced item in your order (this is a one-time thing given after your Brylane Home credit card application is approved)
- Promotions and offers that come through email and with the billing statements. There is also a birthday and anniversary offer given to cardholders, but they don’t say what it is.
- Express checkout on orders at Brylane Home when paying with their card.
- Easy to get approved for. Since this is not a traditional credit card, getting one of these is rather easy.
- No program for rewards. So that means no 5% cash back, double travel miles, or anything else paid for with their card.
- Excessive interest rate. As is the case with most WFNNB-issued credit cards, the Brylane Home card comes with a 24.99% APR.
- Can be used at Brylane Home only and their affiliated websites like OneStopPlus, BCO, King Size, etc. They used to have a Visa card but it appears they no longer offer it to new applicants.
- Low credit limits. A quick Google search shows customer complaints about the credit limits being on the low side (but then again, that’s to be expected with this type of card).
- Limited benefits. One of the advantages of shopping with a major credit card is you get benefits such as a free extended warranty (extends the manufacturer’s warranty up to one-year extra) and purchase protection (reimburses you for new items that are accidentally broken or stolen). You won’t get these perks with the Brylane Home card.
- Discounts aren’t always competitive. The thing is you can find tons of coupon codes online. For example look at what I found just now on RetailMeNot:
That’s a coupon for 20% off the highest priced item in your order. Isn’t that the same offer the credit card was touting to entice new applicants with?
My advice for 2013?
- Skip the credit card from Brylane Home.
- Signup for their free email list and get offers that way instead.
- Follow them on Twitter and Facebook for even more discounts.
- When shopping at Brylane Home, use a NORMAL credit card so you can earn rewards!
This post was written or last updated November 3, 2013