Eddie Bauer Credit Card Review: Worth it?2023

The Eddie Bauer Credit Card is a co-branded credit card offered by Eddie Bauer, a leading retailer of outdoor and casual clothing, gear, and accessories. The card is issued by Comenity Bank and offers a range of benefits and rewards to cardholders.

One of the main benefits of the Eddie Bauer Credit Card is the rewards program, which allows cardholders to earn points on purchases made at Eddie Bauer stores, on the Eddie Bauer website, and anywhere else Mastercard is accepted. These points can be redeemed for Eddie Bauer merchandise, as well as for travel, gift cards, and more.

Key Features of Eddie Bauer Credit Card:

* Here are some key features of the Eddie Bauer Credit Card:

1. Rewards Program: The Eddie Bauer Credit Card offers a rewards program that allows cardholders to earn points on purchases made at Eddie Bauer stores, on the Eddie Bauer website, and anywhere else Mastercard is accepted. Cardholders can earn 5% back in Eddie Bauer Rewards on all Eddie Bauer purchases, 2% back in Eddie Bauer Rewards on eligible dining purchases and travel purchases, and 1% back in Eddie Bauer Rewards on all other eligible purchases.

2. Bonus Rewards: Cardholders can earn bonus rewards on their Eddie Bauer Credit Card purchases, including $10 in Eddie Bauer Rewards for every $500 in purchases made outside of Eddie Bauer.

3. Free Shipping: Cardholders can enjoy free shipping on all Eddie Bauer online orders.

4. Exclusive Offers and Discounts: Eddie Bauer Credit Cardholders can enjoy exclusive offers and discounts on merchandise, early access to sales and promotions, and other special perks.

5. No Annual Fee: The Eddie Bauer Credit Card does not charge an annual fee, which can help cardholders save money.

6. Flexible Redemption Options: Eddie Bauer Rewards can be redeemed for a variety of options, including Eddie Bauer merchandise, travel, gift cards, and more.

7. Mastercard Benefits: The Eddie Bauer Credit Card is a Mastercard and comes with a range of Mastercard benefits, including zero liability protection, extended warranty coverage, and travel accident insurance.

8. Variable APR: The APR for the Eddie Bauer Credit Card is a variable rate, which means it can change based on the prime rate. The current APR for purchases and balance transfers is 26.99% variable.

9. Cash Advance APR: The cash advance APR is also 26.99% variable, and cash advance fees apply.

10. Late Payment Fee: The late payment fee for the Eddie Bauer Credit Card is up to $40.

11. Foreign Transaction Fee: The foreign transaction fee for the Eddie Bauer Credit Card is 3% of the transaction amount.

12. Credit Limit: The credit limit for the Eddie Bauer Credit Card will depend on the applicant’s creditworthiness and other factors.

13. Online Account Management: Cardholders can manage their Eddie Bauer Credit Card account online, including viewing their balance and transaction history, making payments, and redeeming rewards.

14. Application Process: Interested applicants can apply for the Eddie Bauer Credit Card online, in-store, or by phone. Approval is based on the applicant’s creditworthiness and other factors.

15. Customer Service: The Eddie Bauer Credit Card offers customer service and support to cardholders, including a toll-free customer service phone number and online chat support.

Overall, the Eddie Bauer Credit Card offers a range of benefits and rewards for frequent Eddie Bauer shoppers, as well as for those who want to earn rewards on their everyday purchases. As with any credit card, it’s important to use it responsibly and pay off the balance in full each month to avoid interest charges.

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Advantages of Eddie Bauer Credit Card:

*Here are some advantages of the Eddie Bauer Credit Card:

1. Generous Rewards Program: The Eddie Bauer Credit Card rewards program offers generous rewards on Eddie Bauer purchases, as well as on eligible dining and travel purchases. Cardholders can earn 5% back in Eddie Bauer Rewards on all Eddie Bauer purchases, 2% back in Eddie Bauer Rewards on eligible dining and travel purchases, and 1% back in Eddie Bauer Rewards on all other eligible purchases.

2. Bonus Rewards: The Eddie Bauer Credit Card also offers bonus rewards, with cardholders earning $10 in Eddie Bauer Rewards for every $500 in purchases made outside of Eddie Bauer.

3. Free Shipping: Cardholders can enjoy free shipping on all Eddie Bauer online orders, which can help save on shipping costs.

4. Exclusive Offers and Discounts: Eddie Bauer Credit Cardholders can enjoy exclusive offers and discounts on merchandise, early access to sales and promotions, and other special perks.

5. No Annual Fee: The Eddie Bauer Credit Card does not charge an annual fee, which can help cardholders save money.

6. Flexible Redemption Options: Eddie Bauer Rewards can be redeemed for a variety of options, including Eddie Bauer merchandise, travel, gift cards, and more.

7. Mastercard Benefits: The Eddie Bauer Credit Card is a Mastercard and comes with a range of Mastercard benefits, including zero liability protection, extended warranty coverage, and travel accident insurance.

8. Online Account Management: Cardholders can manage their Eddie Bauer Credit Card account online, which can make it easy to keep track of rewards, view transactions, make payments, and more.

9. Customer Service: The Eddie Bauer Credit Card offers customer service and support to cardholders, including a toll-free customer service phone number and online chat support. This can be especially helpful if you have questions or concerns about your account, rewards, or benefits.

10. Credit Limit: The credit limit for the Eddie Bauer Credit Card will depend on the applicant’s creditworthiness and other factors. However, a higher credit limit can provide more spending power and flexibility.

11. Rewards for Dining and Travel: The Eddie Bauer Credit Card rewards program offers 2% back in Eddie Bauer Rewards on eligible dining and travel purchases. This can be especially beneficial for those who frequently eat out or travel.

Overall, the Eddie Bauer Credit Card offers a range of advantages and benefits for frequent Eddie Bauer shoppers, as well as for those who want to earn rewards on their everyday purchases. With no annual fee, a generous rewards program, and exclusive access to sales and promotions, this card can be a great choice for those looking for a credit card that offers value and convenience.

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Disadvantages of Eddie Bauer Credit Card:

While the Eddie Bauer Credit Card offers many advantages, there are also some potential disadvantages to consider. Here are some of the key drawbacks of this card:

1. High APR: The Eddie Bauer Credit Card has a variable APR that can be quite high, particularly for cardholders with lower credit scores. This can make the card expensive to carry a balance on, especially if you do not pay your balance in full each month.

2. Rewards Only at Eddie Bauer: While the Eddie Bauer Credit Card offers generous rewards on Eddie Bauer purchases, the rewards can only be redeemed at Eddie Bauer stores or online. If you do not shop at Eddie Bauer often, or if you prefer to have more flexibility in how you use your rewards, this could be a disadvantage.

3. Limited Bonus Rewards: While the Eddie Bauer Credit Card offers bonus rewards opportunities for purchases made outside of Eddie Bauer, the rewards rate is relatively low at $10 in Eddie Bauer Rewards for every $500 in purchases. This may not be enough to offset the high APR on the card.

4. No Sign-Up Bonus: The Eddie Bauer Credit Card does not currently offer a sign-up bonus, which can be a disadvantage for those looking for a quick way to earn rewards.

5. Limited Mastercard Benefits: While the Eddie Bauer Credit Card is a Mastercard, it does not offer as many benefits as some other Mastercard products. For example, it does not offer price protection or purchase protection, which can be important for some consumers.

6. Credit Score Requirements: To be approved for the Eddie Bauer Credit Card, you will need to have a good to excellent credit score. If you have a lower credit score, you may not be able to qualify for this card.

7. No 0% Introductory APR: The Eddie Bauer Credit Card does not offer a 0% introductory APR for balance transfers or new purchases. This means that you will be subject to the high variable APR from the moment you open your account.

8. Foreign Transaction Fees: While the Eddie Bauer Credit Card does not charge foreign transaction fees, it may still not be the best choice for international travelers. This is because it is not widely accepted outside of the United States, so you may need to carry another credit card for backup.

9. Late Payment Fees: If you are late on a payment for your Eddie Bauer Credit Card, you may be subject to a late payment fee. This can be a significant expense, especially if you are struggling to keep up with your bills.

10. Limited Usefulness: If you do not shop at Eddie Bauer often, or if you prefer to shop at a variety of different retailers, the Eddie Bauer Credit Card may not be very useful for you. You will only earn rewards on purchases made at Eddie Bauer, so you may not be able to maximize your rewards potential.

11. Annual Fee for Higher Tiers: While the basic version of the Eddie Bauer Credit Card does not charge an annual fee, the higher tiers of the card do come with annual fees. This can be a disadvantage for those who do not want to pay extra for their credit card.

Overall, while the Eddie Bauer Credit Card does offer many benefits, it is important to consider the potential drawbacks as well. The high APR, limited rewards redemption options, and other potential downsides may make it less appealing for some consumers, so it is important to weigh the pros and cons carefully before applying.

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Fees Structure Ariens Credit Card:

The Eddie Bauer Credit Card has the following fees:

Annual Fee: The basic version of the Eddie Bauer Credit Card does not charge an annual fee. However, the higher tiers of the card, such as the Eddie Bauer Adventure Rewards and Eddie Bauer Adventure Elite Rewards, do charge annual fees of $25 and $50, respectively.

Foreign Transaction Fee: The Eddie Bauer Credit Card does not charge a foreign transaction fee, making it a good choice for international travel.

Balance Transfer Fee: If you choose to transfer a balance to your Eddie Bauer Credit Card, you will be charged a fee of 3% of the amount of each balance transfer, with a minimum fee of $5.

Cash Advance Fee: If you take out a cash advance on your Eddie Bauer Credit Card, you will be charged a fee of either $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment Fee: If you make a late payment on your Eddie Bauer Credit Card, you will be charged a fee of up to $40.

Returned Payment Fee: If a payment on your Eddie Bauer Credit Card is returned for insufficient funds, you will be charged a fee of up to $29.

Overlimit Fee: If you exceed your credit limit on your Eddie Bauer Credit Card, you may be charged an over-limit fee of up to $40.

Expedited Delivery Fee: If you need to receive your Eddie Bauer Credit Card more quickly than the standard delivery timeframe, you may be charged an expedited delivery fee.

Account Reinstatement Fee: If your Eddie Bauer Credit Card account is closed due to inactivity or other reasons, you may be charged a fee to reinstate your account.

Card Replacement Fee: If your Eddie Bauer Credit Card is lost, stolen, or damaged, you may be charged a fee to replace it.

Additional Card Fee: If you request an additional card for an authorized user on your Eddie Bauer Credit Card account, you may be charged a fee.

It’s important to note that some of these fees may be avoidable by using your Eddie Bauer Credit Card responsibly and staying within your credit limit. Additionally, some of these fees may be waived or reduced if you contact Eddie Bauer’s customer service and explain your situation. As always, it’s important to review the terms and conditions of the Eddie Bauer Credit Card carefully and be aware of all potential fees before using the card.

Eligibility for Eddie Bauer Credit Card:

To be eligible for the Eddie Bauer Credit Card, you must meet the following criteria:

Age: You must be at least 18 years old to apply for the Eddie Bauer Credit Card.

Residency: You must be a resident of the United States or its territories.

Credit score: You will need to have a good to excellent credit score to be approved for the Eddie Bauer Credit Card. Typically, this means a score of 670 or higher.

Income: You will need to have a steady source of income to be approved for the Eddie Bauer Credit Card.

It is also important to note that the approval criteria for the Eddie Bauer Credit Card may vary depending on several factors, including your credit history and other financial information. If you are not sure whether you meet the eligibility requirements for the card, you may want to check your credit score and review your credit report before applying. This can help you get a better sense of whether you are likely to be approved and whether the Eddie Bauer Credit Card is a good fit for your financial needs.

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Eddie Bauer Credit Card Customer Support:

If you have any questions or concerns about your Eddie Bauer Credit Card, there are several ways to get in touch with customer support:

1. Phone: You can call the customer service number on the back of your card to speak with a representative. 1–800–426–8020. *They can help you with a variety of issues, including billing, rewards, and account management

Headquarters:

Comenity Capital Bank
PO Box 183003
Columbus, OH 43218–3003

2. Online Chat: If you prefer to communicate online, you can use the online chat feature on the Eddie Bauer Credit Card website. This allows you to chat with a representative in real time and get answers to your questions.

3. Email: You can also email the customer support team using the email address provided on the Eddie Bauer Credit Card website. This is a good option if you have a non-urgent issue or if you prefer to communicate in writing.

4. Mail: If you prefer to communicate by mail, you can send a letter to the address provided on the Eddie Bauer Credit Card website. This can be a good option for more complex issues or if you need to provide documentation.

No matter which method you choose, the Eddie Bauer Credit Card customer support team is available to help you with any questions or concerns you may have. They are committed to providing excellent customer service and are dedicated to helping you get the most out of your card.

How to apply for Eddie Bauer Credit Card:

You can apply for an Eddie Bauer Credit Card online or in-store. Here’s how to apply online:

• Go to the Eddie Bauer Credit Card webpage on the Comenity Bank website.
• Click on the “Apply Now” button.
• Enter your personal information, including your name, address, phone number, and email address.
• Provide your employment information, including your employer’s name, your job title, and your annual income.
• Choose your card design and read through the terms and conditions.
• Review your application and submit it.

Wait for a decision. If you are approved, you will receive your card in the mail within 7–10 business days.

If you prefer to apply in-store, you can visit an Eddie Bauer location and ask to apply for the credit card. An associate will assist you in filling out the application, and you may receive a decision on the spot. However, it is typically easier and more convenient to apply online.

Eddie Bauer Credit Card Social Media Links:

Eddie Bauer’s Instagram Pagehttps://www.instagram.com/eddiebauer/?hl=enEddie Bauer’s Twitter Pagehttps://twitter.com/eddiebauer/with_repliesEddie Bauer Pinterest Pagehttps://in.pinterest.com/eddiebauer/Eddie Bauer’s Linkedin Pagehttps://www.linkedin.com/company/eddie-bauer/Eddie Bauer’s blog https://www.eddiebauer.com/stories/Eddie Bauer websitehttps://www.eddiebauer.com/

Eddie Bauer Credit Card Customers Review:

SOURCE: Below Ariens Credit Card Customers’ Reviews are from SUPERMONEY.COM, WALLETHUB.COM

“I like this store and its goods but a credit card with a variable 26.99% interest rate is obscene. Cash is king and debt is dumb.”

“While EB may still be a good place to shop the credit card services. Comenity Bank could not spell service if you gave them the vowels and consonants….have tried to call the last 4 days from the number on the back of the card…just get a recording that they are having trouble
..chatted with EB rep., and was told that they do not have direct contact with Community”
..

“Good thing I did not lose my card or have it stolen… a good store… bad credit card and a bad community….use cash or another card…not worth the time or hassles…”

“The maximum credit given is $4000 and the interest rate is high. But you get considerable discounts at Eddie Bauer for using the card. Remember that this is a store card, so you can only use it at Eddie Bauer. Helps with establishing a credit history, but make sure you pay it off every month.”

“High-interest rates but convenient for holiday and gift purchases. Pay it off monthly due to high rates. Great sales and quality merchandise.”

“The worst customer service ever!! Don’t expect any help or understanding if you have a problem. I will never use this card again or shop at Eddie Bauer. If I could give -5 stars I would, I was offended by the representative.”

“They lose mail-in payments and demand you set up direct withdrawals from your bank. We have been long-time Eddie Bauer customers. I can no longer recommend doing business with Comenity-Eddie Bauer.”

Eddie Bauer Credit Card FAQs:

Here are some frequently asked questions about the Eddie Bauer Credit Card:

Q: What is the interest rate on the Eddie Bauer Credit Card?

A: The interest rate on the Eddie Bauer Credit Card varies depending on your creditworthiness and other factors. However, the current APR for purchases is 25.99%.

Q: Is there an annual fee for the Eddie Bauer Credit Card?

A: No, there is no annual fee for the Eddie Bauer Credit Card.

Q: How do I earn rewards with the Eddie Bauer Credit Card?

A: You can earn rewards with the Eddie Bauer Credit Card by making purchases at Eddie Bauer stores or on the Eddie Bauer website. You will earn 5% in rewards for every dollar spent at Eddie Bauer, and 1% in rewards for every dollar spent on other purchases.

Q: How do I redeem my rewards with the Eddie Bauer Credit Card?

A: You can redeem your rewards online at the Eddie Bauer website or in-store at an Eddie Bauer location. Rewards can be used to purchase merchandise at Eddie Bauer.

Q: Can I use my Eddie Bauer Credit Card outside of Eddie Bauer stores?

A: Yes, you can use your Eddie Bauer Credit Card anywhere that Visa is accepted. You will earn 1% in rewards for every dollar spent on non-Eddie Bauer purchases.

Q: Q: Are there any benefits to having an Eddie Bauer Credit Card beyond the rewards program?

A: Yes, there are several benefits to having an Eddie Bauer Credit Card. Cardholders receive free standard shipping on all Eddie Bauer orders, exclusive access to sales and events, and early access to new merchandise. Additionally, cardholders may receive special offers and promotions throughout the year.

Q: How do I make a payment on my Eddie Bauer Credit Card?

A: You can make a payment on your Eddie Bauer Credit Card online by logging into your account on the Comenity Bank website. You can also make a payment by phone or by mail.

Q: What happens if I miss a payment on my Eddie Bauer Credit Card?

A: If you miss a payment on your Eddie Bauer Credit Card, you may be subject to late fees and interest charges. Additionally, your credit score may be negatively impacted. It is important to make your payments on time to avoid these fees and protect your credit score.

Q: How do I close my Eddie Bauer Credit Card account?

A: You can close your Eddie Bauer Credit Card account by contacting customer service by phone or by mail. Be sure to pay off any outstanding balance on the account before closing it.

Q: Can I add an authorized user to my Eddie Bauer Credit Card account?

A: Yes, you can add an authorized user to your Eddie Bauer Credit Card account. Authorized users will receive their cards and can make purchases on the account, but the primary account holder is responsible for making payments on the account.

Q: How long does it take to receive my Eddie Bauer Credit Card in the mail after I am approved?

A: You should receive your Eddie Bauer Credit Card in the mail within 7–10 business days after you are approved. If you have not received your card after 10 business days, you should contact customer service.

Q: Is the Eddie Bauer Credit Card secure?

A: Yes, the Eddie Bauer Credit Card is secure. The card is issued by Comenity Bank, which uses industry-standard security measures to protect your information. Additionally, Visa provides fraud protection to all cardholders.

Q: What credit score do I need to be approved for the Eddie Bauer Credit Card?

A: The credit score required for approval for the Eddie Bauer Credit Card varies depending on your creditworthiness and other factors. However, generally, a credit score of 600 or higher is recommended to increase your chances of approval.

Q: What should I do if I lose my Eddie Bauer Credit Card or if it is stolen?

A: If you lose your Eddie Bauer Credit Card or it is stolen, you should contact customer service immediately to report the loss. The card will be canceled, and a new card will be issued to you.

Q: Are there any foreign transaction fees associated with the Eddie Bauer Credit Card?

A: Yes, there is a foreign transaction fee of 3% of each transaction in U.S. dollars for purchases made outside of the United States.

Q: Can I earn rewards on purchases made outside of Eddie Bauer stores?

A: Yes, you can earn rewards on purchases made outside of Eddie Bauer stores. You will earn 1% in rewards for every dollar spent on non-Eddie Bauer purchases.

Q: How can I check my Eddie Bauer Credit Card balance and available credit?

A: You can check your Eddie Bauer Credit Card balance and available credit online by logging into your account on the Comenity Bank website. You can also check your balance and available credit by phone.

Q: What should I do if I notice a mistake or discrepancy on my Eddie Bauer Credit Card statement?

A: If you notice a mistake or discrepancy on your Eddie Bauer Credit Card statement, you should contact customer service as soon as possible to report the error. You may be asked to provide additional information or documentation to support your claim.

Q: Does the Eddie Bauer Credit Card offer any extended warranties or purchase protection?

A: Yes, the Eddie Bauer Credit Card offers extended warranties and purchase protection on certain purchases. You should review the terms and conditions of the card for more information on these benefits.

Q: Can I redeem my Eddie Bauer rewards for cash?

A: No, Eddie Bauer rewards can only be redeemed for Eddie Bauer merchandise.

Q: Are there any blackout dates or restrictions on when I can redeem my Eddie Bauer rewards?

A: No, there are no blackout dates or restrictions on when you can redeem your Eddie Bauer rewards.

Q: Can I combine my Eddie Bauer rewards with other offers or promotions?

A: Yes, you can combine your Eddie Bauer rewards with other offers or promotions to save even more on your purchases.

Q: Is there a limit to how many rewards I can earn with my Eddie Bauer Credit Card?

A: No, there is no limit to the number of rewards you can earn with your Eddie Bauer Credit Card.

Eddie Bauer Credit Card Conclusion:

In conclusion, the Eddie Bauer Credit Card is a good option for frequent Eddie Bauer shoppers who are looking to earn rewards and save money on their purchases. The card offers a range of benefits, including exclusive discounts, free shipping, and rewards points that can be redeemed for Eddie Bauer merchandise.

The APR is also relatively low compared to other store credit cards, and there are no annual fees associated with the card. However, the foreign transaction fees, high-interest rates, and limited rewards redemption options are potential downsides to consider. Overall, if you are a loyal Eddie Bauer customer and can pay off your balance in full each month, the Eddie Bauer Credit Card may be a good choice for you.

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