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Ashro Credit review

Receive a purchase APR as low as 5.75%.

  • Get this card if you’re a frequent shopper at Ashro.
  • Pick something else if you don’t shop much at this afrocentric retailer.
  • Apply with a poor to fair credit score of 300 or higher.




Annual fee

5.75% to 25.99% fixed

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offerN/A
Purchase APR5.75% to 25.99% fixed
Balance transfer APRN/A
Minimum Credit Score300

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

Sign up for a credit line at the retailer Ashro when you’re ready to purchase your items online. Most shoppers learn about approval within 24 hours. If you’re approved, Ashro Credit allows you pay for your clothing, accessories and more over time with a purchase APR of 5.75% to 25.99% fixed depending on your credit score.

Unfortunately, the issuer is opaque about its terms and doesn’t disclose them on its sales page. You’ll receive your terms if you’re approved for an account. If they’re not to your liking, be sure to reject them within the stated time frame.

Ashro Credit doesn’t offer rewards. If these are important to you, consider a flat-rate card such as the excellent PayPal Cashback Mastercard®.

The benefits

  • Annual fee: None.
    Shop with Ashro Credit immediately on approval without a maintenance fee.
  • Purchase APR as low as 5.75%.
    Approval for this low APR is more likely if you have excellent credit. Otherwise, your purchase APR can soar as high as 25.99%.
  • Payments as low as $20 a month.
    Learning the details behind your monthly payments can be confusing, with a minimum that’s based on the highest principal balance of your account since you last paid it in full. If that balance is under $200, your minimum monthly payment is $20. Minimum payments increase along with your highest principal balance.
  • Opportunity for a higher credit limit.
    Ashro may consider your account for a credit limit increase after consistent on-time payments.
  • Streamlined approval.
    Apply for Ashro Credit while checking out online. You’re notified within 24 hours if your order and credit application are approved, with Ashro reaching out if it requires more information.

What to watch out for

  • Purchase APR as high as 25.99%.
    Your potential APR range can top out at a high rate if you don’t have less-than-stellar credit.
  • You must pay your balance in full to decrease your minimum monthly payment.
    Your minimum monthly payment doesn’t drop as you pay down your balance. Instead, Ashro sets your minimum according to the highest balance carried on your line of credit.
  • No rewards.
    Unlike other store lines of credit, Ashro doesn’t offer discounts, bonuses or other perks to its loyal customers.

Compare store credit cards

Name Product Annual fee Purchase APR Minimum Credit Score
Sam's Club® Mastercard®
14.9% to 22.9% variable
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
Merit Platinum
Apply with no credit or bad credit, for use on the Horizon Outlet website.
Net First Platinum
Up to $299.40
Build your credit history with an unsecured line of credit.

Compare up to 4 providers

Bottom line

This credit account can be useful if you frequently shop the extensive line of clothing, wigs and caftans that Ashro carries, with signup wrapped into checkout at this online retailer. But you could be stuck with a high APR and high minimum payments if you don’t read the fine print.

For more flexible savings on your shopping beyond Ashro, instead consider a rewards credit card.

Frequently asked questions

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