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Abercrombie & Fitch Credit Card: Should You Apply?

Abercrombie & Fitch Credit Card
Abercrombie & Fitch Credit Card

Abercrombie & Fitch Credit Card: Should You Apply?

A bad credit card with very little to offer cardholders.
Editor's Rating: 1.5/5.0
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Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

1.5/5.0

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication. This site may be compensated through a credit card partnership.

The Abercrombie & Fitch credit card is a bad deal and should be avoided. It has no rewards program, a lackluster bonus, and questionable long-term benefits. If you're after a cash back credit card for clothes purchases, we recommend checking out alternatives.

Review: Why You Shouldn't Apply for the Abercrombie & Fitch Credit Card

We don't recommend anyone apply for the Abercrombie & Fitch credit card. It has no rewards program, offers an unclear set of other benefits, and comes with an extremely high interest rate. If you're in need of a credit card, or want cash back on your clothes shopping, we recommend checking out these alternatives.

In general, store credit cards don't have a great reputation. They tend to be restrictive, have low credit limits and high interest rates. Despite that, many come with some redeemable qualities that can make them worthwhile. The Abercrombie & Fitch credit card unfortunately does not offer useful benefits except for the following:

  • 25% off your first purchase
  • Exclusive cardholder offers
  • A special birthday surprise

Besides the 25% discount, we couldn't verify what the other two offers were. We spoke with representatives from Comenity, the card's issuer, and Abercrombie & Fitch. On multiple calls, we were routed to different departments with each representative telling us the next department would have our answer. But we never received answers.This coincides with many reports from users online complaining of disappointing customer service experiences.

While the 25% discount on the first purchase may seem like a good deal at first, there are two things to consider. Most credit cards come with signup bonuses that are far better than this card offers.. Furthermore, even if a rewards credit card had no sign up bonus, it would still produce far greater rewards in the long-run because it would offer cash back on everyday purchases.

Bottom Line: Avoid the Abercrombie & Fitch credit card.

Abercrombie & Fitch Credit Card Benefits & Features

The Abercrombie & Fitch credit card doesn't come with many perks, other than occasional discounts available only for cardmembers. Once you're approved for the card, you get a 25% discount on your first purchase. After that, the benefits are vague. Abercrombie & Fitch promises exclusive cardholder offers and special birthday surprises. We contacted multiple customer service representatives from Abercrombie & Fitch as well as Comenity Bank. Neither could provide any more details on the discounts. On one occasion, we were informed the benefits would be mailed to us after we applied for the card. However, we cannot verify this.

Abercrombie & Fitch Credit Card
Abercrombie & Fitch Credit Card

Abercrombie & Fitch Credit Card

Abercrombie & Fitch Credit Card
Abercrombie & Fitch Credit Card
  • 25% off your first purchase.
  • Exclusive cardholder offers.
  • A special birthday surprise.
  • Easy online account management.
  • 25% off your first purchase.
  • Exclusive cardholder offers.
  • A special birthday surprise.
  • Easy online account management.
Annual Fee
No Annual Fee
Regular APR
25.99%
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
N/A
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Abercrombie & Fitch credit card can only be used in-store. It cannot be used at any Abercrombie & Fitch subsidiary, including Hollister.

What Are Some Good Alternatives to the Abercrombie & Fitch Credit Card?

If you're in the market for a new credit card there are some good alternatives available. These credit cards can help you save money on purchases at Abercrombie & Fitch and beyond.

Chase Freedom®

The Chase Freedom® has the potential to be an amazing money-saving tool. The card provides 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter. These bonus categories can include things like Zappos, Amazon.com, wholesale clubs and department stores. In the past, we've also seen the Chase Freedom® include both H&M and Kohl's. New categories are introduced every year, which generally means there is something for everyone.

The card currently comes with a sizable early spend bonus. Cardholders can get $150 if they spend at least $500 on purchases within the first three months of opening their account. That translates to a rewards rate of 30% ($150/$500). That is better than the 25% bonus you receive through the Abercrombie & Fitch Credit Card.

Highlights

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
  • $150 Bonus after you spend $500 on purchases in your first three months from account opening.
  • No annual fee.
  • Chase Freedom® Review.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is another excellent choice for people who love shopping for clothes (specifically at department stores). This card provides 2% cash back at U.S. gas stations and select U.S. department stores and has no annual fee (See Rates & Fees). The list of stores includes:

  • Bealls
  • Belk
  • Bloomingdale's
  • Bon Ton Stores
  • Boscov's
  • Century 21 Department Stores
  • Dillard's
  • J.C. Penney (JCP)
  • Kohl's
  • Lord & Taylor
  • Macy's
  • Neiman Marcus
  • Nordstrom
  • Saks Fifth Avenue
  • Sears
  • Stein Mart

The card also comes in handy when you use it to pay at U.S. supermarkets. You'll get 3% cash back on up to $6,000 per year in purchases. After that, you'll get just 1% cash back. If you're a big spender, there is also a chance to earn a great welcome bonus. Cardholders who manage to spend at least $1,000 in purchases with their new card in the first three months receive $150 cash back. Note that if you've had the Blue Cash Everyday® Card from American Express in the past, you won't qualify for the welcome bonus.

Highlights

  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1% cash back after), 2% cash back at U.S. gas stations and 1% cash back on other purchases.
  • No annual fee.
  • $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Blue Cash Everyday® Card from American Express Review.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

Discover it® Secured

The Discover it® Secured is an excellent cash back option for people with low credit. If your FICO is below 670, you're unlikely to qualify for the two cards listed above. Though the rewards at places like Abercrombie & Fitch will be a measly 1% cash back, it's still better than not getting any rewards as you would through the Abercrombie & Fitch Credit Card. The Discover it® Secured is most rewarding when it comes to spending at restaurants and gas station. Cardholders get 2% cash back in these categories on up to $1,000 in combined purchases each quarter. Discover also doubles all the cash back you've earned at the end of your first cardmember year in lieu of a traditional welcome bonus.

However, the Discover it® Secured is a secured credit card. You need to put down at least $200 to open an account. After eight months, your account will be reviewed. If you've made all of your payments on time and demonstrated creditworthiness, your account will be transitioned to an unsecured one, and your initial deposit will be returned.

Highlights

  • 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter.
  • Discover doubles all cash back at the end of your first year.
  • Requires security deposit.
  • Discover it® Secured Review.

Comments and Questions

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).