Review: The Emporium Preferred Account credit card – June 2017

A helpful solution for shopping lovers demanding high-quality products.

The Emporium Card makes it possible to buy name brand items, and pay them off over time. By signing up for this store and catalogue-specific card, you get a fresh credit line to use on

The Emporium Card is meant for personal shopping. On, you can buy a variety of different items, including: clothing, electronics, jewelry and other goods.

Product NameEmporium Card
APR for Purchases ( Purchase Rate )Varies by balance. See website for details*
Annual fee$0
Card TypeVisa
Minimum Interest$0
Minimum Income$1,500
Minimum Age18 years of age
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
Annual fee$0

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 account card even with average credit.

Being an Emporium Card cardholder means that you can choose from tons 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.

Benefits of the Emporium Card

  • 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 $1499 or below have a 90 Days Same as Cash promotional period (95 days for California residents). For purchases $1500 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.


  • 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 retailer 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/catalogue 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

Eligibility criteria:

  • At least 18 years old
  • US citizen
  • Verifiable source of income of at least $1,500 a month
  • Valid and active checking account

Required documents & information:

  • Name and residential address
  • Email address and phone number
  • Birthdate and social security number
  • Active checking/savings account information
  • Pre-approved authorization code (if applicable)

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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2 Responses to Review: The Emporium Preferred Account credit card – June 2017

  1. Default Gravatar
    Daniel | February 20, 2017

    Can I get pre approval

    • Staff
      Adrienne | 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.