What the Burlington Credit Card Is

The Burlington Credit Card is a store card issued by Comenity Bank that you can use at Burlington, Coat Factory, and Runway stores. It works like most retail credit cards: you charge purchases, receive a bill, and pay it back over time or in full. The card comes with a rewards program tied to your spending at those locations.

This is not a general-purpose credit card. You cannot use it at other retailers or restaurants. If you want to build credit history or earn rewards outside the Burlington family of stores, you would need a different card. The card is designed specifically for shoppers who visit these stores regularly.

Key Takeaways

  • The Burlington Credit Card can only be used at Burlington, Coat Factory, and Runway stores, not at other merchants.
  • The card offers a rewards program where you earn points on purchases that can be redeemed for discounts on future shopping trips.
  • You can request a card in-store during checkout or through the Burlington website without visiting a physical location.
  • Your credit score and payment history affect whether you are approved and what interest rate you receive.
  • Paying your full balance by the due date means you pay no interest; carrying a balance results in interest charges at the card's APR.

How to Request the Card

You can request the Burlington Credit Card in two ways: in-store at checkout or online through the Burlington website. At checkout, a cashier will offer you the option to open a card. Online, you can visit the Burlington credit card page and fill out the request form with your personal and financial information.

The request process asks for your name, address, date of birth, Social Security number, annual income, and employment status. Comenity Bank uses this information to make a decision. You will receive a response within a few minutes if you request online, or the cashier can tell you the outcome when ready in-store.

If you are approved, your card will arrive by mail within 7 to 10 business days. If you are denied, the bank will send you a letter explaining why. Common reasons include insufficient credit history, a recent bankruptcy, or too many recent credit inquiries from other lenders.

Rewards and Discounts

The Burlington Credit Card rewards program gives you points on every purchase. The exact earning rate varies—typically you earn one point per dollar spent, though promotional periods may offer bonus points. You can check your current points balance in your online account or by calling the customer service number on the back of your card.

Points can be redeemed for discounts on future purchases. A common redemption is $5 off a $25 purchase, though the program periodically offers different redemption tiers. You redeem points at checkout by telling the cashier or selecting the option in the online cart before you pay.

Cardholders also receive periodic promotional offers, such as extra points on certain shopping days or discounts during holiday sales. These offers are sent by email or appear in your online account. The rewards program does not charge an annual fee.

Interest Rates and Fees

The Burlington Credit Card carries an interest rate (APR) that depends on your creditworthiness. If you have good credit, you may receive a lower APR; if your credit is limited or poor, the APR will be higher. Comenity Bank does not publish a single APR for all cardholders—your rate is determined during the request process and appears on your first statement.

Interest charges explore only if you carry a balance past your due date. If you pay your full statement balance by the due date each month, you pay no interest. If you pay only part of the balance, interest accrues on the remaining amount at your card's APR.

The card does not charge an annual fee, foreign transaction fees, or late fees in the traditional sense. However, if your payment is late, your interest rate may increase and your credit score may be affected. Late payments are reported to credit bureaus after 30 days past due.

How to set up and Use Your Card

When your card arrives in the mail, you must set up it before you can use it. You can set up by calling the number on the back of the card, visiting the Burlington website and logging into your account, or using the Burlington mobile app. set up typically takes a few minutes.

Once activated, you can use the card at any Burlington, Coat Factory, or Runway location. Present it at checkout like any other credit card. You can also add the card to your digital wallet (Apple Pay, Google Pay) if you prefer to pay with your phone.

Your first statement will arrive 20 to 30 days after your first purchase. The statement shows your balance, minimum payment due, due date, and current APR. You can pay online through your account, by phone, by mail, or in-store at a Burlington register.

Managing Your Account Online

Once you have an active card, you can create an online account at the Burlington website or through the mobile app. Log in with your email and a password you create. Your account shows your current balance, available credit, recent transactions, rewards points, and promotional offers.

You can set up automatic payments so your bill is paid on the same date each month without you having to remember. You can also update your contact information, view past statements, and report a lost or stolen card through your online account.

If you have questions about your account, you can contact Comenity Bank customer service at the number on the back of your card. They can answer questions about your balance, rewards, payment options, and account settings. Customer service is available by phone during business hours.

What Happens If You Miss a Payment

If your payment is late by 30 days or more, the late payment is reported to the three major credit bureaus (Equifax, Experian, and TransUnion). This can lower your credit score and make it harder to get approved for other credit in the future. A single late payment can stay on your credit report for up to seven years.

If you miss a payment, contact Comenity Bank as soon as possible. Explain your situation and ask about your options. Some cardholders can negotiate a payment plan or a one-time waiver, though this is not may provide. The sooner you pay, the less damage to your credit.

If your account becomes seriously delinquent (usually 120 days or more past due), Comenity Bank may close your account and refer it to a collection agency. This makes the debt much harder to resolve and causes significant credit damage.

Frequently Asked Questions

Can I use the Burlington Credit Card outside Burlington stores?

No. The card works only at Burlington, Coat Factory, and Runway locations. It cannot be used at other retailers, online merchants, or restaurants. If you need a card for general shopping, you would need a separate Visa or Mastercard.

What credit score do I need to be approved?

Comenity Bank does not publish a minimum credit score. Approval depends on your overall credit history, income, and current debt. People with fair or limited credit histories are sometimes approved, though they may receive a higher interest rate than those with excellent credit.

How long does it take to receive my card after approval?

Your card arrives by mail within 7 to 10 business days after approval. If you are approved in-store, the timeline is the same. You cannot use the card until it arrives and you set up it.

Can I pay my balance in full before the due date?

Yes. You can pay your full balance at any time through your online account, by phone, by mail, or in-store. Paying early reduces the interest you owe and helps you stay on top of your debt. There is no penalty for paying early or paying in full.

What should I do if my card is lost or stolen?

Call Comenity Bank when ready at the number on your statement or online account. They will cancel your card and issue a replacement. Once you report it, you are not responsible for fraudulent charges made after that point. A replacement card typically arrives within 7 to 10 business days.