Burlington Credit Card Review: Perks, APR & Alternatives

If you love hunting for deals at Burlington, the cashier has probably offered you the Burlington credit card with a discount on the spot. A little money off your haul sounds great when you are already saving on coats and home goods. But a store card is a long-term commitment, not just a one-time discount, and this one carries a 35.99% APR. Here is exactly what it can and cannot do for you.

At Firstcard, we compare store cards against real credit-building options so you can decide what serves your goals.

Key Facts at a Glance

Facts verified as of June 2026 against the Comenity cardholder agreement on file with the CFPB and Burlington's disclosures.

What Is the Burlington Credit Card?

The Burlington credit card is a retail card issued by Comenity Capital Bank, part of Bread Financial. It is a closed-loop store card, so it works only at Burlington and its sister stores, Cohoes Fashions and MJM Designer Shoes. Unlike a Visa or Mastercard, you cannot use it for groceries, gas, or anything outside that family of stores. The rewards apply only there too, so for a frequent Burlington shopper it can be worthwhile, while for everyone else the card sits unused most of the time. If you want a retail card with broader appeal, the best store cards for fair credit include picks that approve similar scores but work in more places. If you are still deciding, our guide on how to choose a credit card walks through the trade-offs.

Burlington Credit Card Rewards and Perks

The main draw is the savings tied to shopping at Burlington. As of June 2026, the card offers:

• A 10% discount on your first purchase when you open and use the card the same day (the closest thing to a welcome bonus; there is no points sign-up offer)
• 1 point per $1 spent at Burlington
• A $5 reward certificate for every 100 points earned
• Extended, receipt-free returns on Burlington purchases

Watch the fine print on rewards: certificates can be used only at Burlington, Cohoes Fashions, and MJM Designer Shoes, and they expire 60 days after they are issued. So the value depends entirely on how often you shop there and whether you redeem before the clock runs out.

Burlington Credit Card APR and Fees

Here is where you should slow down. According to the Comenity cardholder agreement on file with the Consumer Financial Protection Bureau, as of June 2026 the Burlington credit card carries:

• Purchase APR: 35.99% (set in the agreement, so there is no separate penalty APR to climb to)
• Annual fee: none
• Paper statement fee: up to $35.88 per year ($2.99 in any month your balance is above $3.50 and a paper statement is mailed; the first cycle is free, and you can avoid it by going paperless)
• Late payment: $30, then up to $41; returned payment: $30, then up to $41
• No foreign transaction fee, since the card only works at Burlington

At nearly 36%, carrying a balance gets expensive fast and can outweigh any rewards certificates you earn. The smart play is to pay in full every month so the perks stay perks. If you tend to carry a balance, a lower-APR card is a better home for those purchases. You can keep an eye on your score for free at Creditship.ai while you decide.

Approval, Credit Limit, and Building Credit

The Burlington card typically goes to applicants with fair credit, around a 640 FICO or higher, after a hard credit pull. Comenity does not publish a starting credit limit; it is set case by case from your income and history, and store cards like this commonly open with modest lines of a few hundred dollars.

Comenity reports activity to all three major bureaus (Experian, TransUnion, and Equifax), so on-time payments and low balances may help your score over time. Still, a closed-loop store card is a narrow tool. It often comes with a modest limit, and its high APR makes it a costly place to carry debt while you build.

A Stronger Starting Point

If building credit is your real goal, a dedicated credit-builder card usually beats a store card, because it reports to all three bureaus and you can use it anywhere. The Self Visa Credit Card is one of the simplest ways to build it: backed by your own savings, reports to all three bureaus, and high approval odds.

Worried about approval, or not in the score range yet? An unsecured starter card lets you spend anywhere while you build, which a Burlington-only account cannot. The Aspire Mastercard takes no security deposit, accepts applicants from the 580 FICO range, reports to all three bureaus, and pays up to 3% cash back.

Is the Burlington Credit Card Worth It?

If you shop at Burlington often and always pay in full, the no-annual-fee Burlington credit card can deliver modest savings through the 10% opening discount and reward certificates. But its store-only limits, 35.99% APR, and 60-day certificate expiration make it a weak foundation for credit building. Pair it with a dedicated credit-builder card you can use anywhere, and you get the discounts plus a real path to a stronger score. Terms and conditions apply.

Frequently Asked Questions

What is the APR on the Burlington credit card?

As of June 2026, the purchase APR is 35.99%, per the Comenity cardholder agreement on file with the CFPB. At that rate, carrying a balance can quickly outweigh any rewards, so paying in full each month is wise.

What credit score and limit can I expect?

Approvals typically go to applicants with fair credit, around a 640 FICO or higher, after a hard pull. Comenity does not publish a starting limit; it is set case by case, and store cards like this often open with modest lines of a few hundred dollars.

Does the Burlington credit card have an annual fee?

No annual fee. There is a paper-statement fee of up to $35.88 per year ($2.99 per qualifying month), which you can avoid by going paperless, plus late and returned-payment fees of up to $41.

Can I use the Burlington credit card anywhere?

No. It is a closed-loop store card, so it works only at Burlington, Cohoes Fashions, and MJM Designer Shoes. You cannot use it for general purchases like gas or groceries. For everyday building, a card like the Self Visa Credit Card or the Aspire Mastercard is more flexible.