Fashion Bug Credit Card Review

Is a Fashion Bug credit card account a bad idea?

retail store card solicitationFashion Bug can be a great place to get a deal on plus size and misses clothing, but that doesn’t necessarily mean their credit card is also deal. Whether you are a current cardholder or are wondering if you should apply for a Fashion Bug credit card, make sure you understand the pros and cons.

There are two different credit cards offer:

Fashion Bug card (regular)

  • For each $100 spent the cardholder receives a $5 rebate certificate that can be put towards a future purchase
  • It also gives coupons and “VIP card benefits”

Fashion Bug card (premier)

  • The “Premier” version charges an annual membership fee of $25.
  • Instead of giving a $5 rebate per $100 spent, it gives a $10 rebate (max of $300 in rebates annually).
  • This credit card comes with a few extra perks, such as birthday savings, special sales, etc.
  • It comes with a $10 coupon when the card is first received.

What are the pros and cons of each?

First, let’s take a look at the cons…

  • Can only be used at their stores – A major drawback for both of the Fashion Bug cards is that they can only be used at Fashion Bug and their affiliated stores.
  • Very higher interest rate – At 24.99% this makes their cards a bad idea unless you pay your bill in full every single month.
  • Customer service – According to various Fashion Bug credit card reviews I have read online, the customer service leaves much to be desired. Many purported customers ranked the service as only 1 star out of 5 on one website I was reading.

Now for the pros…

  • Rewards – Essentially you are getting 5% with the regular card and 10% with the paid version. This isn’t a bad deal if you spend thousands of dollars per year at their stores, but many people don’t shop their often enough to make it worth the hassle.


This is your typical run of the mill store credit card. It does offer good rewards for spending at Fashion Bug, but do you spend enough there per year for it to make sense? After all, their prices are pretty cheap to begin with, so will your total savings each year really be that much?

The only people I would recommend the Fashion Bug credit card to are those who have really bad credit and can’t get approved for anything else – or – for those who spend thousands of dollars per year at Fashion Bug.

What is a better option?

If you have great credit, don’t settle for 5% rewards at only Fashion Bug when it’s possible for you to get 5% at every clothing store and department store! Check out these sponsored offers to see how…

Save 5% at every clothing store with the best cash back credit cards

Written or updated Nov 2012

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

I have been trying to find out about a bill I received now in collection. That I don’t owe.I didn’t purchase anything to be billed for.

Alanna Spanjers

Did you find a number for this? It has been on my credit for over 15 years now and I cannot find a number to dispute this charge!

The service is terrible, the site is down frequently, I will not use my card again. I will pay off my balance and say thanks but no thanks. I think the credit card company is predatory.

The online service seems to be down most of the time and very slow to load your statement so you pay your bill. If pay late due to problems with their site, they are quick to charge fees and not willing to work with you. Calling customer service is no help and wasted several hours trying to get through. I closed my account.

I was shopping in fashion bug the associate told me if I get their credit card I will get 15% Off and the card is free and that I would get coupons, Got the card in the mail about a week later and in about 2 weeks got a bill with a $25 annual fee. That’s not free Beware of this company that’s almost scamming people and right before my annual fee is due again I will cancel the card I will warn everyone I come across on my military base the story and if I am in the store and I hear the associate tell someone else this lie I will speak up.

I know this response is months past the initial post but the regular and VIP Fashion Bug card is free. When applying for the card, the computer screen will ask upgrade to premier? and the employee will select yes or no. the premier card is $25 dollars a year the employee probably was processing it too quickly and hit the wrong button proceeding it to be a premier card. a way to fix this would be to call the number on the bad of your card and explain that you wanted only the regular card (which is free). hope this helps.

I have been done been done the same,my balance was only $20 dollars, while i was talking to them it went up to $40. but by the time i was talking to the Lady some how it was $80. and i said h**l no. And they have messed up the credit loans I’ve been having trouble we to get one on my on anymore.Now it’s up to $200.and would like to know is how to fix me credit scores, so i need to call Better Business Bureau ,i thank you very much for sharing this to this to all consumers that has been screwed over by this company .. It has helped me a lot.

I pay my bill in full each month and never had a problem, until now. I have been with this company for years. I now think this company is predatory.

I made several purchases in December totaling $90. I paid $60 by the due date and $29.33 7 days after the due date. I made over $200 in purchases in January and paid them all off by the due date. I was billed finance charges for each purchase in January, plus the $29.33. Because in the card agreement if there is a balance each additional purchase will be billed finance charges from that day of purchase until balance is paid in full. This is very predatory.