Review: Is the Goody’s Store credit card worth it? | June 2018

Review: Goody’s Store Credit Card — June 2018

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Get cash back, discounts and bonuses as a Goody’s cardholder.

  • Get this card if… you love Goody’s department stores and want rewards for your spending.
  • Pick something else if…you don’t shop at Goody’s often.
  • Good to excellent credit score of 700 to 850 recommended.

If you already buy apparel, accessories or footwear from Goody’s, you’ll appreciate the generous offerings of the Goody’s Store Credit Card. It comes with $5 in Payback rewards for every $100 spent in store or online, and holiday bonuses, birthday gifts and exclusive savings plans, among other perks.

Product NameGoody's Credit Card
APR for Purchases ( Purchase Rate )28.49% variable
Annual fee$0
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 25 days
Returned Payment Fee$38
Minimum Interest$2
Minimum Credit ScoreGood (700-739)
Minimum Age18 years of age
Annual fee$0
Returned Payment Fee$38
Late Payment Fee$38

The Perks

  • Payback Rewards. Earn $5 for every $100 spent on Goody’s merchandise to use online or in stores.
  • Exclusive savings. Cardholders get exclusive access to special discounts and deals.

You’ll also like …

  • $0 p.a. annual fee. This card is free to use across Goody’s stores.
  • Christmas reward. You’ll get a special bonus with this card around the holidays.
  • Birthday gift. Get up to $20 on your birthday with this card.
  • Style Circle Community membership. Participate in surveys, discussions and more for access to potential perks, rewards and sweepstakes.

What to watch out for

  • High interest rate. The Goody’s card comes with a high 28.49% variable APR, so consider paying off your card balance each month. You’ll have 25 days from the close of each billing cycle to pay off your purchases before paying interest
  • Fees for late and returned payments. For each late or returned payment, you’ll pay a fee of up to $38.00.
How do I cancel my Goody’s account?

Goody’s doesn’t make it easy to quickly access the info required to cancel your account. Rather, we found it nestled within the card’s terms and conditions.

If you own any card with Comenity Bank — including not just Goody’s but also store cards for Lane Bryant, Forever 21 and Boston Store — call 1-800-220-1181.

Prepare to navigate a menu of choices to get to a point where you can cancel your card. You’ll also need to pay the full amount of any outstanding balance on the card.

Consider other cards if …

  • You don’t shop often at Goody’s stores. This is a store credit card that you can use only at Goody’s and associated retailers. If you’re not a Goody’s patron, consider picking a credit card you can use elsewhere.

What should I know before I apply?

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

To apply for Goody’s Store Credit Card, you must be:

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

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.

How to apply for the card

1. Locate the Goody’s Store Credit Card on Comenity Bank’s site and click Apply. Goody's store 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. Goody's store card step 2a Goody's store card step 2b Goody's store card step 2c Goody's store card step 2d 3. Continue through the steps, entering your financial information and other details as requested, and then submit.

How long will it take to be approved?

Because conditional credit approval is automated on the website, you may get a decision on your application within 60 seconds.

I got the card. Now what?

  • 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 $38.00.
  • 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 like shopping at Goody’s, you’ll find some attractive perks with this store card with bonuses throughout the year.

Common questions about the Goody’s Store Credit Card

Adrienne Fuller

Adrienne Fuller leads the publishing team at She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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