We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

The Emporium Card review

Last updated:  

Please note: This card has been discontinued, and it is not available on our site.

Another balance transfer credit card

Citi Simplicity® Card

  • No late fees, no penalty rate, and no annual fee... ever
  • 0% intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Read less
Read more

Compare similar credit cards and find the best option for you.

Compare other store credit cards

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
Target REDcard™ Credit Card
24.65% variable
A no-annual-fee credit card and discounts when you shop at Target.
CardMatch™ from creditcards.com
See terms
See issuer's website
Can't decide on a card? Get personalized credit card offers with CardMatch™.
WebBank/Fingerhut Advantage Credit Account
29.99% fixed
Build your credit history with low monthly payments.
Fingerhut FreshStart® Credit Account
29.99% fixed
Get access to purchase items in the Fingerhut store with no overlimit fees.
Montgomery Ward credit
5.75% to 25.99% fixed
Buy now, pay later — low monthly payments make shopping easier
Midnight Velvet Credit
5.75% to 25.99% fixed
Low monthly payments and no annual fees.
The Swiss Colony Credit
5.75% to 23.99% fixed
Earn higher limits with timely payments.

Compare up to 4 providers

Emporium Card review

If you are struggling financially and looking for a way to buy name brand items, the Emporium Card acts as a helpful solution. The approval process is simple, quick and does not require stellar credit. You can get approved for this credit card even with average credit.

Being an Emporium Card cardholder means that you can choose from tons of items offered on Emporium.com, and pay for your purchases interest free over a lease term. Lease terms depend on the item’s aggregate purchase price, and can be 12, 18, 24 or 36 months long. If you become a member, you won’t have annual, application or processing fees. The Emporium Card can also build your credit, if you make payments on time.

The perks

  • Savings. Just for being an Emporium Card member, you can save up to 50% on brand name items. The online store offers over 100,000 products.
  • No hidden fees. The Emporium Card does not charge application, processing or annual fees.
  • No interest. Purchases don’t charge interest. Instead of worrying about interest rates piling up, you will pay a recurring scheduled payment over a set period of time.
  • Early payoff discount. Emporium offers a 50% early payment discount. If you pay within the promotional period, you are only responsible for the cash price. Purchases of $1,499 or below have a 90 days same as cash promotional period (95 days for California residents). For purchases $1,500 to $2,499, you have a 6 month same as cash promotional period. Purchases costing over $2,500 have a 12 month same as cash promotional period. When the promotional period ends, you are required to pay 50% of the remaining balance.

The nuts and bolts

  • Spending limit. You can spend up to $5,000 instantly. The minimum credit line is $300.
  • No long-term commitment. After your product’s full lease term, you can completely own the product, and even return it if you choose. The return process is conveniently done online, and does not require you to drive to a retail store.
  • Online application. The application is online, and requires personal information for ID verification. Applying will not affect your credit score, and you can qualify for approval within 60 seconds.
  • Limited access. The Emporium Card is store/catalog specific, and only works when purchasing items sold through Emporium. The card is not available to residents of NJ, WI, MN, WY, and AK.
  • Payments. Digital payments are deducted automatically from your bank account. Emporium also takes Visa and Mastercard.
  • Lease terms. Payments are determined by lease terms. These terms depend on the aggregate purchase price, and can be 12, 18, 24 or 36 months long.

How to apply for an Emporium Card

Always consider your options and your financial situation before you apply for a credit card.

Eligibility criteria:

  • At least 18 years old
  • U.S. citizen
  • Verifiable source of income of at least $1,5000 a month
  • Valid and active checking account

Required documents & information:

  • Name and residential address
  • Email address and phone number
  • Date of birth and Social Security number
  • Active checking/savings account information
  • Pre-approved authorization code (if applicable)

Bottom line

If you are a frequent Emporium shopper and are looking for a way to enjoy your items now and pay later, the Emporium Card could be the solution. Before choosing to go with the Emporium Card, be sure to compare it with other cards similar to it.

Back to top

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


  1. Default Gravatar
    August 14, 2017

    Does this card help improve credit?

    • Avatarfinder Customer Care
      August 14, 2017

      Hi Leslie,

      Thanks for your question.

      Yes, you may use this card to improve your credit score.

      You may also compare other credit cards that can help rebuild your credit score here.


  2. Default Gravatar
    August 10, 2017

    Hello,will I get a Emporium credit card and is this a cash back card I hope it is so just email me back and let me know. Thanks!!!

    • Avatarfinder Customer Care
      August 13, 2017

      Hi Tameka,

      Thank you for your inquiry.

      While this product is not a cash back card you may want to read the information on this page http://bit.ly/2vB8CCG for further details.

      I hope this information has helped.


  3. Default Gravatar
    February 27, 2017

    I need an emporium authorization code while applying for credit. Can you please give me one…

    • Avatarfinder Customer Care
      July 16, 2017

      Hi Michele,

      Thank you for your inquiry.

      It is a security feature which ensures that, should someone gain unauthorised access to your account, they will not be able to set up a payee and transfer any money out of the account. It provides enhanced security to protect you from online fraud. Hence, it would be nice to contact Emporium directly to ask for the available options on how you can obtain an authorization code from them.

      I hope this information has helped.


  4. Default Gravatar
    February 20, 2017

    Can I get pre approval

    • Avatarfinder Customer Care
      February 20, 2017

      Hi Daniel,

      There is no pre-approval process for the card; you must apply for it on the site to see if you are approved – you’ll get an answer from Emporium within 60 seconds. When you apply for an Emporium card, they run a “soft credit check” to determine if you qualify for the card. It won’t affect your credit score. Make sure you meet all of the requirements before applying to maximize your chances that you will be accepted.



Go to site