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The Swiss Colony Credit review

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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 300 and above, but you may be approved with a lower score.


Annual fee

5.75% to 23.99%

Purchase APR (fixed)


Recommended credit score


Product NameThe Swiss Colony Credit
Card typeStore card
Annual fee$0
Purchase APR5.75% to 23.99% fixed
Balance transfer APRN/A
Interest free periodUp to 25 days
Late payment feeUp to $15
Returned payment feeUp to $25

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Lifehacker and He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.

Expert review

This line of credit is valid at The Swiss Colony, a mail-order company that sells food gifts, cakes, desserts, candy, chocolate and more. It has a $0 annual fee and a 5.75% to 23.99% fixed purchase APR.

Access this credit line at checkout, and get application approval usually within 24 hours. If approved, you can pay for your items in monthly installments, with a $10 minimum each month.

While the account is simple and straightforward, it doesn’t earn rewards. That said, you might instead use a flat-rate cashback card like the PayPal Cashback Mastercard®, which can also be useful outside of The Swiss Colony.

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
QuadPay Visa Card
Split your purchases into four installments over six weeks interest-free using your virtual card in the QuadPay app.
Target REDcard™ Credit Card
24.4% variable
A no-annual-fee credit card and discounts when you shop at Target.
WebBank/Fingerhut Advantage Credit Account
29.99% fixed
Build your credit history with low monthly payments.
Montgomery Ward Credit
5.75% to 25.99% fixed
This no-annual-fee store card offers a potentially low APR and low minimum payments for purchases made at the Montgomery Ward online store.
Fingerhut FreshStart® Credit Account
29.99% fixed
Get access to purchase items in the Fingerhut store with no overlimit fees.

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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