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Country Door Credit review

A decent tool for paying your purchases off over time, but pales in comparison to a credit card.

  • Get this credit if you often shop at Country Door.
  • Pick something else if you want a line of credit you can use at other stores.
  • 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
IssuerStore card

Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

Country Door Credit is a revolving line of credit with a $0 annual fee, designed for those who often shop from this order catalog. Its main feature is the low minimum payments starting from $20 for purchases up to $200. The maximum you can pay off purchased items is up to 47 months.

However, the longer it takes to pay off your purchase, the higher the cost. Plus, you don’t get an intro APR or any of the rewards you’d find on a traditional credit card. In short, if you can obtain a rewards or intro APR0 credit card — nearly any on the market — you’ll probably find that card more useful than the Country Door Credit is a revolving line of credit with a $0.

How to apply for Country Door Credit

Applying for the Country Door Credit is a bit different from a traditional credit card.
Shop as usual at Country Door.
At checkout, select Country Door credit as your payment method.
Fill in the requested information and click submit.

You’ll receive word from Country Door on the status of your application within 24 hours of submitting your request.

What credit score do I need for Country Door Credit?

You can apply for this line of credit with a poor credit score of 300 or higher.

Country Door Credit benefits

  • No annual fee.
    You won’t pay an annual fee to use Country Door Credit.
  • Low monthly payments.
    You’ll pay minimum payments as low as $20 for purchases up to $200. There is a fee if you make a late payment, however. Depending on your state, you could pay between $0 and $15 late payment fee.
  • Quick approval.
    In most cases, you could get an approval within 24 hours. The company will let you know if they require additional information.
  • Build your buying power.
    Use your Country Door Credit responsibly and get a credit increase.
  • Balance payment options.
    There are three ways to pay your balance: online once you sign up for a Country Door account; by phone at 800-810-7097; or by mail at Country Door, PO Box 2830, Monroe, WI 53566-8029.

    Country Door Credit drawbacks

      • High cost for long-term credit.
        Large balances that take up to 47 months to pay off usually come at higher costs. For example, a balance of $1,800 made into 47 monthly payments of $60 will cost a total of $2,820.
      • No rewards.
        Many other credit cards offer rewards such as cash back, points or miles.

    Compare store credit cards

    Compare traditional store credit card options if you don’t think the Country Door Credit is right for you.

    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

    If you often shop at Country Door website, paying with the Country Door Credit might be useful if you have few other credit card options available. However, paying on time won’t help you boost your credit and the lack of rewards ensure that a tradtio
    If you’re looking for a revolving line of credit for use at other specific stores, check out store cards and compare your options.


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