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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 23.99%

Purchase APR (fixed)


Recommended credit score


Product NameCountry Door Credit
Card typeStore card
Annual fee$0
Purchase APR5.75% to 23.99% fixed
Balance transfer APRN/A
Interest free periodUp to 25 days
Late payment feeUp to $15
Returned payment feeUp to $25

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. Another drawback is that Country Door won’t report your activity to the major three credit bureaus. This makes it impossible to build your credit.

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.
  • Does not report to personal credit.
    This means you won’t be able to build your credit with responsible use. If building credit is what you’re looking for, consider a secured card.

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WebBank/Fingerhut Advantage Credit Account
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Fingerhut FreshStart® Credit Account
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Montgomery Ward credit
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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

Images: countrydoor.com

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