Country Door Credit review March 2021 |
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Country Door Credit review

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A revolving credit line with low monthly payments.

  • 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%

Purchase APR (fixed)


Recommended credit score


Annual fee$0
Welcome OfferN/A
Purchase APR5.75% to 25.99% fixed
Balance transfer APRN/A
Recommended minimum credit score300
IssuerStore card

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards 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.

But if you frequently buy home decor, furniture, kitchenware, apparel and gifts from Country Door and you don’t care about building your credit, the Country Door Credit could be useful.

The perks

  • 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.
  • Quick approval.
    In most cases, you could get an approval within 24 hours. The company will let you know if they require additional information.

You’ll also like

  • 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.

What to watch out for

  • 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

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
Costco Anywhere Visa® Card by Citi
15.24% variable
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
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.
Seventh Avenue Credit
5.75% to 25.99% fixed
Buy now, pay later with payments as low as $20 a month.

Compare up to 4 providers

Bottom line

If you often shop at Country Door website, paying with the Country Door Credit could be useful. With minimum monthly payments, you can pay off your balance in up to 47 months. However, paying on time won’t help you boost your credit. There are other credit-building options.

If you’re looking for a revolving line of credit for use at other specific stores, check out store cards and compare your options.

Frequently asked questions


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