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Review: Forever 21 Credit Card

Get special rewards for Forever 21 purchases with this card.

  • Get this card if… you’re a trendsetter who shops at Forever 21 and are looking for additional rewards for your spending.
  • Pick something else if…you aren’t a fan of shopping at Forever 21.
  • Recommended good to excellent credit range of 600 to 739.

If you’re already a fan of this fast-fashion retailer — and you scour the latest trends and deals at Forever 21 — you’ll love the generous rewards of the Forever 21 Store Credit Card. It comes with 15% off your first purchase, 3x points in store and online at Forever 21 earned and exclusive cardholder offers and promotions.

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Welcome offer

Up to 3x



Annual fee


Purchase APR (variable)


Annual fee$0
Welcome offer20% off first regular priced purchase
Rewards3x points in store and online at Forever 21
Purchase APR27.74 variable
Balance transfer APRN/A
Minimum Credit Score600
IssuerStore card

How to apply for the card

You can’t apply for a Forever 21 Credit Card online. Instead, you’ll need to apply at a Forever 21 store and then register your card online with Comenity Bank.

1. To register your Forever 21 Credit Card, locate the card on Comenity Bank’s site and click Register for Access.

Forever 21 sign in page

2. Enter your card account information and click Find My Account.

Forever 21 register page

3. Once you’ve located your account, continue by specifying a user name and password for future access. Click Create Account.

Forever 21 create account page

The Perks

  • Introductory discount. Get 15% off your first purchase and 20% off a future purchase with your welcome kit.
  • Rewards program. You’ll earn 3x rewards points for every dollar you spend at Forever 21. Redeem 300 points for a $5 rewards certificate.

You’ll also like …

  • Double Points events. Get more points at special events throughout the year.
  • Birthday discount. Each birthday, you’ll get $5 to spend on Forever 21 accessories.
  • Anniversary discount. On Forever 21’s birthday, get 21% off your purchase.
  • Exclusive offers and promotions. Cardholders can access exclusive discounts and sales throughout the year.

What to watch out for

  • High interest rate. The Forever 21 Credit Card comes with a high 27.74 variable APR, so consider paying off your card balance each month.
  • Fees for late and returned payments. For each late or returned payment, you’ll pay a fee of up to $41.

Compare Comenity credit cards

What should I know before I apply?

To apply for the Forever 21 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 that includes:

  • 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?

  • Keep track of your minimum payment. Your minimum payment each billing period is the total of minimum payments for Regular Revolving and promotional Credit Plans plus any past due amount. The total minimum payment will be at least $27.

    If your account balance is less than $27, you’ll need to pay the amount on your statement in full.

    The minimum payment due for each Regular Revolving Credit Plan will be the greater of $5 or 5% of the new balance shown on your statement for that Credit Plan (rounded up to the nearest $1).

  • Make timely payments. Manage your spending and pay your bills online by registering an online account with Comenity Bank.
  • Avoid interest. At the close of each billing cycle, you have a grace period of 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees of up to $41.
  • Customer service. If you have questions, visit the help section on the Comenity Bank website or call 1-844-271-2526.

Save more at Forever 21

Forever 21 frequently has deals and flash sales throughout the year — you might save a certain percentage off your entire purchase just because! New customers can also save 10% on their first order by entering their email address on the Forever 21 website.

If there’s not a sales event at the moment, check for promo codes and other perks before checking out to stretch your bucks further.

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Bottom line

If you’re already a faithful shopper at Forever 21, this store card can reward your spending with discounts on future purchases. Just watch out for the high APR you’ll pay on balances you carry.

Common questions about the Forever 21 Credit Card

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  1. Default Gravatar
    May 13, 2019

    What is the credit limit for the Forever 21 credit card?

    • Avatarfinder Customer Care
      May 13, 2019

      Hi Angelica,

      Thank you for getting in touch with Finder.

      Please note that your credit limit is decided using the full range of information you give to Forever 21, such as your income, debts and liabilities. You’ll know your credit limit once your application is approved and you get all the info you need about Forever 21 credit card.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    October 25, 2018

    I have no credit and I applied For a credit card from forever 21 . What are the chances that I will Be approved ?

    • Default Gravatar
      October 25, 2018

      Hi Jennifer,

      Thanks for leaving a question on finder.

      Forever 21 will approve applicants who have at least a fair credit score. If you have no credit record, there’s a slim chance that you will be approved for this card. We have a comparison of credit cards that accepts applications from people who has no credit to bad credit if you click HERE. Good luck!

      Please send me a message if you need anything else. :)


  3. Default Gravatar
    September 21, 2018

    What range of credit score would you recommend to be approved for this card? I currently have a Torrid CC with Commenity

    • Avatarfinder Customer Care
      September 21, 2018

      Hi Marie,

      Thanks for reaching out to finder.

      There is no specific credit score requirement to be approved for Forever 21 credit card. However, the recommended credit score range that would most likely get you approved is between good-excellent which is around 700-850.

      Generally though, retailers are not that strict in extending credit and will still approve cardholders with at least fair credit score to encourage them to shop at their stores.

      Hope this helps.


  4. Default Gravatar
    July 2, 2018

    I am a authorized user on my bf account but my credit score isn’t showing increase due to ontime payments. What credit bureaus are payments reported to? I did this to increase my credit thank you

    • Default Gravatar
      July 3, 2018

      Hi Camb,

      Thanks for leaving a message on our page.

      Not all credit card issuers report authorized users to the credit bureaus. If your authorized user status doesn’t show up on your credit report, being an authorized user won’t make much difference to your credit score.

      You may want to ask your boyfriend- the primary account holder to ask his credit card issuer whether it reports authorized user accounts to the three major credit bureaus.

      Aside from being an authorized user, applying for a secured credit card could help you build credit if your history is limited.

      Hope this helps.


  5. Default Gravatar
    June 8, 2018

    Can I pay my credit card with another credit card

    • Default Gravatar
      June 9, 2018

      Hi Asmah,

      Thanks for leaving a question on Finder.

      The process to transfer your credit card debt to another company is called a balance transfer. A balance transfer means that, for a one-time fee, you take the balance of your debt on one or more credit cards and move that amount to another card. Check our guide for more information on how it works and to know more about companies who can do this for you.


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