Rue21 Credit Card 2023: A Comprehensive Review


Rue21 Credit Card: Rue21 is a popular fashion retailer that offers trendy, affordable clothing and accessories for teens and young adults. They also have their credit card – the Rue21 Credit Card issued by Comenity Bank. In this comprehensive review, we’ll provide an in-depth look at the features, benefits, rewards, and drawbacks of the Rue21 credit card so you can decide if it’s right for your needs.

Overview of the rue21 Credit Card

The rue21 Credit Card is a store-branded credit card that can only be used at rue21 retail locations and online at The card has no annual fee and provides perks like special financing offers, exclusive rewards on purchases, and discounts. Key features include:

  • No annual fee
  • Special financing offers like deferred interest promos
  • Earn 1 point for every $1 spent on the card
  • Points can be redeemed for reward certificates to use on future purchases
  • Exclusive discounts and offers for cardholders

It’s a good option for frequent Rue21 shoppers who want to save money and earn rewards on their purchases. But it doesn’t offer benefits for spending outside of rue21. There’s also a high 26.24% variable APR, so carrying a balance can get expensive.

How to Apply for the rue21 Credit Card

Applying for the Rue21 credit card is quick and easy. You can apply in-store, online at, or over the phone. Here’s how the application process works:

In-Store Application

Stop by any Rue21 location and pick up a credit card application. Fill it out with your personal and financial information. Drop off or mail the completed application. You’ll get a decision within seconds. If approved, you can start using your card immediately.

Online Application

Go to and click “Apply Now” under the credit card section. Provide your name, contact info, Social Security Number, income details, and more. Apply and you’ll get an instant decision.

Phone Application

Call 1-800-853-2921 to apply over the phone. You’ll need to provide the same information as the online application. After submitting, you’ll be notified if you’re approved.

Once approved, your new card will be mailed within 7-10 business days. You can use the temporary card number provided to make purchases online right away.

Key Benefits and Features of the rue21 Credit Card

Here are some of the biggest benefits that come with the rue21 credit card:

Special Financing Offers

One major perk of the card is the special financing offers, including deferred interest promos on purchases. This allows you to spread out payments over several months without paying interest. Offers change frequently but can include options like:

  • 12 months deferred interest on purchases over $199
  • 6 months deferred interest on purchases over $99
  • 18 months deferred interest on purchases over $500

To qualify, you’ll need to make the minimum payments on time. If you don’t pay the full promotional balance by the end of the promo period, interest will be charged from the original purchase date. This type of financing can help manage large purchases without accumulating interest.

Earn 1 Point Per $1 Spent

The Rue21 card rewards you with 1 point for every $1 spent on the card. Points can be redeemed for reward certificates. You get:

  • $5 certificate for every 100 points
  • $15 certificate for every 300 points
  • $30 certificate for every 600 points

Reward certificates can be used on future Rue21 purchases. There’s no limit on the points you can accumulate. This simple earnings rate lets you rack up rewards to save on future shopping trips.

Exclusive Discounts

Cardholders get access to special discounts and savings opportunities. You may receive targeted offers via mail and email for percentages off purchases. Discounts can range from $5 off a $25 purchase to 20% off an entire order.

There are also frequently rotating promos like 15% off swimwear or an extra 30% off clearance items. Offers are based on your purchase history and shopping habits. Plus, you’ll get early access to special sales open only to cardholders.

Free Shipping

Standard shipping is free for cardholders on all purchases shipped to a U.S. address. So you don’t have to meet an order minimum to avoid shipping fees.

No Foreign Transaction Fees

If you use the card on purchases internationally or online at foreign retailers, there are no foreign transaction fees. This makes the card a good option for shopping on foreign e-commerce sites.

Drawbacks of the rue21 Credit Card

Here are a few potential downsides to be aware of with the rue21 card:

  • High 26.24% Variable APR – The interest rate is very high if you carry a balance
  • Can only be used at rue21 – not useful as an everyday card
  • Deferred interest promos – missing payments result in back interest charges
  • Low credit line – typically $300 to $500 for new accounts

The card also lacks purchase protections and travel coverage that are common with other credit cards. Take the high-interest rate into consideration if you tend to carry balances month-to-month. However, those who pay in full won’t have to worry about interest charges.

How Does the rue21 Credit Card Compare to Other Store Cards?

The rue21 card has similar features and benefits as other retail store credit cards:

  • No annual fee and easy approval odds like the Forever 21 credit card
  • 1 point per $1 spent just like Kohl’s store card
  • Special financing offers comparable to Target RED card deferred interest plans
  • Exclusive discounts for cardholders as with the Victoria’s Secret credit card

But it doesn’t offer as robust rewards or perks as branded credit cards like the Visa or Mastercard versions other retailers offer. The single earning rate is lower than category bonuses or multipliers offered by unbranded cards.

However, the rue21 card is a decent option for financing large purchases interest-free. The rewards can add up nicely through routine rue21 shopping trips. Overall, it compares well to other limited-use retail cards.

Tips for Managing and Using Your rue21 Credit Card

Here are some tips to help you maximize benefits and use your rue21 credit card responsibly:

  • Take advantage of special financing by paying those balances off in full before the promo period ends to avoid deferred interest.
  • Prioritize paying off large purchases with 0% intro APR before low-rate deferred interest offers.
  • Use reward certificates earned from the loyalty program to save on big shopping trips like back-to-school outfits.
  • Set up automatic payments through your bank to ensure you never miss a payment and risk penalties.
  • Avoid carrying a balance when possible due to the very high-interest rate.
  • Check your monthly statement closely and report any unauthorized charges promptly.
  • Pay more than the minimum payment to reduce your balance faster and minimize interest fees.
  • Contact rue21 card customer service right away if your card is lost or stolen to prevent fraudulent use.

Is the rue21 Credit Card Right for You?

The rue21 credit card can be a beneficial option for frequent rue21 customers who want to maximize savings and financing options. It’s best suited for those who:

  • Shop at rue21 often and can maximize point-earning potential
  • Want access to 0% deferred interest financing offers
  • Prefer a simple reward structure without complexity
  • Appreciate exclusive discounts and promotions
  • Have good credit scores and pay balances in full each month

However, the card may not be the right fit if you:

  • Only occasionally shop at rue21 or want rewards for other purchases
  • Dislike high variable APRs and the risk of deferred interest
  • Want purchase protections and travel benefits that are missing from this card
  • Prefer a customizable rewards program with bonus categories

Overall, the perks of special financing, rewards, and discounts can outweigh the narrow usage of the rue21 card for loyal customers. Consider your spending habits and financial goals to determine if they align with your needs.

Alternative Credit Card Options to Consider

If the rue21 credit card doesn’t seem like the best fit, here are a few alternatives to consider:

  • Citi Rewards+ Card – Earns ThankYou points on all purchases, no annual fee
  • Bank of America Customized Cash Rewards – Choose a 3% cash back category
  • Chase Freedom Unlimited – 1.5% back on all purchases, 0% intro APR
  • Capital One SavorOne – 3% back on dining, entertainment & streaming
  • Citi Double Cash – 2% back on all purchases (1% when you buy, 1% when you pay)

These unbranded rewards cards provide more flexibility, bonus earnings on common purchases, and useful benefits. The expanded acceptance also makes them better for everyday spending.

The Bottom Line

The rue21 credit card offers a simple way for frequent customers to earn rewards, finance purchases interest-free, and save money through exclusive discounts. It can provide value for loyal rue21 shoppers who pay balances off in full. However, the high (APR) Annual Percentage Rate, limited acceptance, and lack of purchase protections make general spending less ideal. Overall, the rue21 credit card is best suited for routine rue21 shoppers who will take advantage of its unique perks and financing options.

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