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$0
Annual fee
5.75% to 25.99%
Purchase APR (variable)
300
Recommended credit score
Review by
Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com.
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 25.99% 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. This puts it in the same category as similar online store credit lines: it’s a decent tool if you want to pay something off over time with that store or if you have no other credit card options, but it’s no replacement for a credit card. Given the choice, we recommend using a flat-rate cashback card like the PayPal Cashback Mastercard®, which can also be useful outside of The Swiss Colony.
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.
If you’re looking for a more traditional store credit card, compare your options side-by-side using our filtered table.
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.