Like Macy's and Belk, Boscov's is a member of the centenarian club, the chain of family-owned department stores having been originally founded by Solomon "Sol" Boscov in 1911. Under the watch of Sol's son, Albert, Boscov's grew, today consisting of 47 locations across the eastern US, with stores in Connecticut, Delaware, Maryland, New Jersey, New York, Ohio, and Pennsylvania.
Selling everything from apparel and shoes to kitchen goods and bedding, Boscov's has a lot to offer its shoppers. Those who frequently take advantage of those offerings can make the most of them with the Boscov's Credit Card, but that's where the card's usefulness ends. As a closed-loop store card with a high APR and rewards that barely compete with most rewards cards, the Boscov's Credit Card is a hard sell for most consumers.
Better Cards to Use at Boscov's
For big Boscov's spenders, the Boscov's Credit Card can offer decent rewards, but other consumers are more likely to only notice its limitations — like the fact that the Boscov's rewards certificates are much like the Boscov's Credit Card itself: only usable for Boscov's purchases.
Furthermore, the requirement to reach at least $300 in spending before you can start earning may exclude a number of customers, and the low 1% and 2% rewards rates for the lower earnings tiers are easily matched — if not beaten — by the majority of open-loop rewards credit cards. And those rewards will be usable for purchases anywhere your card is accepted.
Cash Back
With options for cash back rewards cards available to cardholders of every credit type (even some secured and subprime cards offers cash back rewards), nearly anyone can earn at least 1% cash back rewards on their purchases, making almost any cash back rewards card comparable to — if not better than — the Boscov's Credit Card's lower-tier rewards.
Even better, those with good credit can find a number of cards with unlimited 2% cash back on all purchases, as well as cards that provide even higher bonus cash back rates for department store purchases, giving you tons of options for better earnings (and better utility) than the Boscov's Credit Card.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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Additional Disclosure: Bank of America is a CardRates advertiser.
0% APR
As lackluster as the Boscov's Credit Card's rewards can be, the card's APR is even less impressive, competitive only among other store credit cards and some subprime cards. Not only will the typical open-loop credit card provide a lower APR for most qualified applicants, but cards with introductory 0% APR offers can be used to make purchases with no interest for 12 months or more.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
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$0
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Excellent/Good
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Additional Disclosure: Bank of America is a CardRates advertiser.
Travel Rewards
For those who like to travel and want to maximize their credit card rewards, travel rewards can offer a lot of value, providing a simple way to earn free airline travel and hotel stays. And since the most basic travel rewards credit card will typically offer at least one point/mile per $1 — and frequently more — they can easily compete with the lower tiers of rewards for the Boscov's Credit Card.
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- 0% intro APR for 15 months on purchases. Then 16.99% - 27.99% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
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0% Intro APR for 15 months
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16.99% - 27.99% Variable APR
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What Others Say About the Boscov's Credit Card
The general consensus of the Boscov's Credit Card is middling to poor, with many negative reviews centering on the card's issuing bank, rather than Boscov's itself. A number of cardholders have had trouble making payments, particularly by mail, and others are unhappy about spontaneous credit limit decreases.

You have to spend a ton each year to get halfway decent rewards, otherwise you can beat the rewards with just about any cash back card. The APR is ridiculously high. If you shop at Boscov's a lot and always pay your bill, it could be a good card. Otherwise, don't bother. — WalletHub.com
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The stores are great and their customer service is super but do not mail a check for payment. They are either intentionally late posting or are incredibly inefficient. A check mailed on the 8th of the month was not posted until the 22nd and not deposited until the 26th. — CreditKarma.com
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I have one (1) so-called late payment from Boscov's/Comenity which I called and told them I had not received a bill. I have paid on time forever but this is lingering and lingering and bringing my credit score down. I have tried to get it corrected to no avail. I do not have the bill as it was so long ago and by the time you realize you had a late payment on your credit report, it is too late. I am unable to retrieve it, but I did call Boscov's and ask them to please remove it. It is still there after a long period of time. It is really bringing down my credit score. Boscov's credit card holders BEWARE. — ConsumerAffairs.com
”Is the Boscov's Card Right for You?
Having served shoppers in the eastern US for over 100 years, Boscov's obviously knows how to keep its customers coming back — but the Boscov's Credit Card may not garner much loyalty. Lackluster rewards for all but the biggest spenders make the card anything but competitive for most consumers, and its high APR means you may regret spending so much on the card anyway if you can't pay it off in full each billing cycle.
The long and short of it is that the Boscov's Credit Card is that it's worth getting if you spend $3,000 or more annually in Boscov's stores. For everyone else, stick to an open-loop rewards credit card that will help you earn rewards at least as good — and in significantly more places.
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