Harmon Face Values: Store Card History and Alternatives

What Happened to Harmon Face Values?

If you are searching for Harmon Face Values, you are looking for a store that no longer exists. Harmon Face Values was a discount health and beauty retailer owned by Bed Bath & Beyond from 2002 until its liquidation.

Bed Bath & Beyond decided in late January 2023 to liquidate the entire Harmon chain, and the last Harmon stores closed by February 26, 2023. Bed Bath & Beyond then filed for Chapter 11 bankruptcy in April 2023, and Harmon was listed in that filing even though it had already shut down. The Bed Bath & Beyond name was later acquired and now operates mostly online.

So if you came here hoping to use a Harmon card or apply for one, this guide explains what happened, what the card actually cost, and which cards can replace it and help build your credit. All details are as of June 2026.

Key Facts at a Glance (Legacy Card)

Did Harmon Face Values Have a Store Card?

Harmon never issued a standalone branded credit card. It operated under the Bed Bath & Beyond family of brands, so the relevant card was the co-branded Harmon Face Values Mastercard and World Mastercard, issued by Comenity Capital Bank, usable across Bed Bath & Beyond, buybuy BABY, and Harmon locations. Because it ran on the Mastercard network, it was technically usable anywhere Mastercard was accepted, not just in Harmon stores.

For the record, the legacy Comenity cardholder agreement shows what this card carried before it was wound down: no annual fee, a variable purchase APR of 14.74 percent, 18.74 percent, or 24.74 percent depending on creditworthiness (up to 27.74 percent on the World Mastercard tier), a cash advance APR around 26.74 percent, and late and returned-payment fees of $30 the first time and up to $41 after that. Those rates moved with the Prime Rate. The card reported to all three major bureaus.

That program is gone. After the April 2023 bankruptcy, Comenity stopped accepting new applicants (closed to new accounts since August 2023) and wound down existing accounts. Any outstanding balance is still owed and serviced by Comenity, but there are no stores left to use the card. The takeaway is simple: a store-linked card can vanish along with the store, while a general-purpose card keeps its value.

A Better Alternative: A Card You Can Use Anywhere

The lesson from Harmon Face Values is that a card tied to a single store can vanish along with the store. A general-purpose card works wherever the network is accepted, so it keeps its value.

If you want a card you can use everywhere, the Aspire Cash Back Rewards Mastercard is an unsecured card that earns up to 3 percent cash back and reports to all three major credit bureaus. You can shop almost anywhere while building your credit, something a closed store card can no longer do. Terms and conditions apply, and APRs vary by creditworthiness.

Build Credit With a Structured Plan

If store cards appealed to you because they were easier to get, there are modern options built for credit building that do not depend on any one retailer staying open.

If you are starting from scratch or want to grow savings as you build, the Self Visa Credit Card pairs a credit-builder account with a secured card, so part of what you pay is set aside for you while your activity is reported to the bureaus. It is a slower but structured path to a stronger score. Terms and conditions apply.

A Rewards Card for Everyday Shopping

Harmon Face Values was known for discounts on beauty and health products. You can still earn value on those purchases with a rewards card that works everywhere.

If your credit is already in good shape, the Robinhood Credit Card offers cash back on everyday spending, so you get a little back on health, beauty, and household items wherever you shop. Compare the APR, any fee, and the rewards rate before applying to be sure it fits your habits.

Frequently Asked Questions

Is Harmon Face Values still open?

No. All Harmon Face Values stores closed by February 26, 2023, and the brand was later listed in Bed Bath & Beyond's April 2023 Chapter 11 bankruptcy filing. The stores are no longer operating.

Can I still use a Harmon Face Values or Bed Bath & Beyond card?

No. Harmon's card was the co-branded Harmon Face Values Mastercard issued by Comenity Capital Bank, which was closed to new applicants in August 2023 and wound down for existing holders. Any outstanding balance is still owed to Comenity, but there are no stores to use it.

What did the Harmon Face Values card cost?

The legacy Comenity agreement listed no annual fee, a variable purchase APR of 14.74, 18.74, or 24.74 percent based on creditworthiness (up to 27.74 percent on the World Mastercard), a cash advance APR near 26.74 percent, and late and returned-payment fees of $30 the first time and up to $41 after. The program is no longer offered.

What is a good alternative to a Harmon store card?

A general-purpose card like the Aspire Cash Back Rewards Mastercard works at many retailers, reports to all three bureaus, and keeps its value even if a store closes. If you still want a retail option, the easiest department store credit cards for bad credit are the ones most likely to approve a thin file. For structured credit building, a secured option like the Self Visa Credit Card can also help.