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Review: Boston Store Credit Card

Cash rewards, birthday celebrations and plenty of extra savings for shopping with this Wisconsin chain.

  • Get this card if… you’re a frequent shopper at any of the 14 Boston department stores.
  • Pick something else if…you don’t shop at this department store chain.
  • Recommended good to excellent credit range of 670 to 850.

Owned by Bon-Ton, Boston Store is Wisconsin’s one-stop department store for stylish clothing, shoes, jewelry, fragrances and more.

$20 rewards card for every $200 spent and two $20 rewards cards after spending $200 in a month



Annual fee

25.99% variable

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offerN/A
Rewards$20 rewards card for every $200 spent and two $20 rewards cards after spending $200 in a month
Purchase APR25.99% variable
Balance transfer APRN/A
Minimum Credit Score670

Review by

Megan Horner is the banking and credit cards Group Publisher at Finder. She's passionate about helping you find the best credit cards and bank accounts to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker,, American Banker and featured on news broadcasts across the country. Before working at Finder, Megan worked at Credit Karma and QuinStreet.

Expert review

With regular spending, you can stack rewards to save big. And you won’t need to use them all at once: Points carry over year after year.

  • Rewards card. Spend $200 on your Boston Store Credit Card and get a $20 rewards card for use on any purchase of $50 or more.
  • Double your rewards. Double your rewards to $40 if you spend $200 in a calendar month — or make a purchase in a featured department.
  • Exclusive savings. Cardholders save even more, with special discounts and deals on card purchases throughout the year.

How to apply for the card

  1. Locate the Boston Store Credit Card on Comenity Bank’s site and click Apply.
    Boston Store Credit Card step 1
  2. Complete the application with your personal and contact information. Specify whether you’d like to add an authorized buyer and click Continue.
    Boston Store Credit Card step 2a

    Boston Store Credit Card step 2b

    Boston Store Credit Card step 2c

    Boston Store Credit Card step 2d

  3. Continue through the steps, entering your financial information and other details as requested. Submit your application.

How long will it take to be approved?

Comenity Bank’s site automates conditional credit approval, so you may get a decision in just a few minutes of submitting your application.

You’ll also like …

  • No fee. This card is free to use across Boston’s 14 Wisconsin stores.
  • Elites extras. Join a special group of cardholders for deeper discounts and free online shipping on orders of $25 or more.
  • Birthday gift. Get up to a $20 gift card on your birthday for use in stores or online.

Compare store credit cards

Name Product Annual fee Purchase APR Minimum Credit Score
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.
Merit Platinum
Apply with no credit or bad credit, for use on the Horizon Outlet website.
Net First Platinum
Up to $299.40
Build your credit history with an unsecured line of credit.

Compare up to 4 providers

What to watch out for

  • High interest rate. The Boston Store Credit Card comes with a high 25.99% variable APR, so you may want to manage your spending to pay off balances each month.
  • Fees for late and returned payments. For each late or returned payment, you’ll pay a fee of up to $38. Avoid this fee by setting up autopay.

What should I know before I apply?

To apply for the Boston Store Credit Card, you must be:

  • At least 18 years old.
  • A US citizen or legal resident.

You’ll need to submit personal and financial information, including:

  • Your full name and personal contact information.
  • Proof of stable employment.
  • Your date of birth and Social Security number.

I got the card. Now what?

  • Make timely payments. Manage your spending and payments by registering your card online with Comenity Bank.
  • Avoid unnecessary interest. At the close of each billing cycle, Comenity Bank extends a grace period of 25 days to pay your balance without accruing interest.
  • Avoid fees. Late and returned payments come with hefty fees of up to $38, so consider setting up autopay from your checking account.
  • Customer service. If you have questions, visit the help section on the Comenity Bank website or call 1-844-271-2526.

Bottom line

If you live in Wisconsin, it’s a good chance you love Boston Store’s wide selection of clothing, housewares and more. This Comenity store card rewards frequent shoppers with cash rewards, free online shipping and more.

Common questions about the Boston Store Credit Card

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