The Swiss Colony Credit review |

The Swiss Colony Credit review

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The Swiss Colony Credit Learn more Apply now

Don't worry, clicking "Apply now" won't leave a mark on your credit report. It may only appear on your report after you submit an application.

What happens when I click Apply now?
  • Clicking Apply now will take you to your online application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

A credit account with a purchase APR as low as 5.75% fixed.


  • Get this card if you’re a frequent shopper at The Swiss Colony.
  • Pick something else if you don’t shop at the retailer often.
  • Apply if you have a good to excellent credit score of 580 and above, but you may be approved with a lower score.
Product NameThe Swiss Colony Credit
Card TypeStore card
Annual Fee$0
Standard Purchase APR5.75% to 23.99% fixed
Intro Purchase APR


Intro Balance Transfer APR


Interest Free PeriodUp to 25 days
Late Payment FeeUp to $15
Returned Payment FeeUp to $25
Minimum Age18 years of age

The basics

This line of credit is valid at The Swiss Colony, a mail-order company that sells food gifts, cakes, desserts, candy, chocolate and more. You can access it at checkout, and get application approval usually within 24 hours. If approved, you can pay for your items in monthly installments with a potentially very low purchase APR.

The benefits

    • No annual fee.
      You don’t have to pay anything to access this line of credit.
    • Purchase APR as low as 5.75% fixed.
      This is a very low purchase APR; the average is around 17%. You may receive this interest rate if you have excellent credit; otherwise, you could receive an APR as high as 23.99% fixed.
    • Payments as low as $10 a month.
      Your minimum monthly payment depends on your highest new balance, which is your highest principal balance since you last paid your account in full.

      If your highest new balance is $75 or lower, your minimum monthly payment will be $10. Your minimum monthly payment goes up when your highest new balance increases.

      If your highest new balance is over $3,150, your minimum monthly payment will be 3.34% of it.

    • Get a credit limit increase with consistent payments.
      The Swiss Colony will periodically review your account’s payment history. If you’ve been responsible with your payments, the bank may give you more credit to make further purchases.
    • Streamlined approval.
      This credit account may have more lenient approval requirements than you’ll find with major credit cards. The Swiss Colony says it usually approves credit applications within 24 hours.
  • 25-day grace period.
    After the close of each billing cycle, you’ll have at least 25 days to pay off your balance before accruing interest. This is an attractive grace period, and it’ll give you more leeway to pay off your purchases.

What to watch out for

    • Purchase APR as high as 23.99% fixed.
      While you may receive a low APR with strong credit, you may receive a high APR if you have shakier credit.
    • Your minimum monthly payment won’t decrease until you pay your account in full.
      Be careful when making large purchases, as they can bring your minimum monthly payment higher than you expect. Still, it’s a good idea to pay your balance in full each month anyway.
  • No rewards.
    Some store credit lines will offer rewards as you spend.

Compare store credit cards

Name Product Filter values Annual Fee Purchase APR Recommended Minimum Credit Score
24.9% variable
A no-annual-fee credit card and discounts when you shop at Target.
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Get access to purchase items in the Fingerhut store with no overlimit fees.
5.75% to 23.99% fixed
Buy now, pay later — low monthly payments make shopping easier
5.75% to 23.99% fixed
Payments starting at just $10 a month.

Compare up to 4 providers

Bottom line

This credit account is most useful if you’re a frequent customer at The Swiss Colony and want to pay for items over time. If you’re not — or if you want cash back, points or miles — you might like a rewards credit card instead.

Frequently asked questions

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