What Happened to Harmon Face Values?
If you are searching for Harmon Face Values, you may be looking for a store that no longer exists. Harmon Face Values was a discount health and beauty retailer that was eventually owned by Bed Bath and Beyond before all of its stores closed.
The last Harmon stores shut down in early 2023, and the brand was later listed in Bed Bath and Beyond's Chapter 11 bankruptcy filing. The Bed Bath and Beyond name itself was bought and now lives on mostly online.
So if you came here hoping to use a Harmon store card or apply for one, this guide explains what happened and, more importantly, points you to credit cards that can replace it and help build your credit.
Did Harmon Face Values Have a Store Card?
Harmon Face Values operated as part of the Bed Bath and Beyond family of brands. Bed Bath and Beyond store credit and gift cards could be used across its concepts, including Harmon locations, buybuy BABY, and Christmas Tree Shops.
With Harmon stores closed and the parent company through bankruptcy, those store cards no longer have physical locations to use them. If you still hold a Bed Bath and Beyond gift card, check the current bedbathandbeyond.com site for any redemption options.
The bigger takeaway is simple. Store cards are tied to one retailer, so when that retailer disappears, the card loses much of its value. A general-purpose card avoids that risk.
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.
The Aspire Cash Back Rewards Mastercard is an unsecured card that earns 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.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
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Fees
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Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Why Store Cards Can Be Risky
Store cards often have easier approval, which is why shoppers with thin credit like them. But they come with downsides that the Harmon Face Values story makes clear.
They usually carry high APRs, low credit limits, and they only work at one retailer or its family of brands. If that company closes or files for bankruptcy, your card and any deferred-interest promo can become a headache. That is a real risk even with the better-known store cards for poor credit.
A broader card gives you flexibility, often better rewards, and credit reporting that follows you no matter what happens to any single store.
Build Credit With Flexible Payments
If store cards appealed to you because they were easier to get, there are modern options designed for building credit with flexible payments.
The Perpay Credit Card lets you shop and pay over time while reporting your activity to help build credit history. For shoppers moving on from closed store brands, it offers both convenience and a path to a stronger score. Terms and conditions apply.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
Keep Track of Your Credit
When you switch from a store card to a general card, it helps to know where your credit stands. Monitoring your score lets you choose the right card and watch your progress.
Free tools like Creditship.ai let you track your credit and spot changes early. A quick check before applying can save you from unnecessary denials and hard inquiries.
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.
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.
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Frequently Asked Questions
Is Harmon Face Values still open?
No. All Harmon Face Values stores closed by early 2023, and the brand was later listed in Bed Bath and Beyond's bankruptcy filing. The stores are no longer operating.
Can I still use a Harmon Face Values or Bed Bath and Beyond card?
With Harmon stores closed and the parent company through bankruptcy, there are no Harmon locations to use a card. If you hold a Bed Bath and Beyond gift card, check bedbathandbeyond.com for any current redemption options.
What is a good alternative to a Harmon store card?
A general-purpose card like the Aspire Cash Back Rewards Mastercard or Perpay Credit Card works at many retailers and reports to the credit bureaus, so it keeps its value even if a store closes.
Do store cards help build credit?
They can, if they report to the bureaus and you pay on time. The risk is that they only work at one retailer, so a card you can use anywhere is often a safer choice for building credit.
