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The Emporium Card review

Discontinued product

This card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.
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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)

Emporium Card review

If you’re 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. Get approved for this credit card even with average credit.

As an Emporium Card cardholder, you can choose from tons of items offered on 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. Simply 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 doesn’t 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.
  • 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 six-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’re required to pay 50% of the remaining balance.

The nuts and bolts

  • Spending limit. 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.

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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.

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  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.

      Alternatively, you can also compare other credit cards that can help rebuild your credit score.


  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 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.



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