Burlington Credit Card: Limited Features and Poor Points Earning

Burlington, formerly Burlington Coat Factory, is known for its discounted brand name goods like clothing, shoes, and accessories. The incredible yet affordable items this off-price department store offers make it one of the most famous and significant businesses in the market next to TJX Companies. And if you have ever visited MJM Designers Shoes, Cohoes Fashions, and the Super Baby Depot before, you know how much it can offer to you. With this, you might be thinking that a credit card accepted at all the said stores would benefit you. But how true is it for the Burlington credit card?

Burlington Credit Card

Burlington Credit Card

Intro Bonus: 10% off

Regular APR: 26.99%

Credit Score: Fair to Good

Annual Fee: $0


  • New cardholders will get 10% off on their first purchase.
  • The card provides 1 point for every dollar spent at Burlington.
  • You can also get the benefits being received by Burlington Loyalty Program members.
  • The card has a minimal set of features.
  • There are no other additional bonuses or other ways to earn points or increase the value of your points.

Burlington Credit Card Review:

The Burlington credit card is a store credit card designed to be accepted at Burlington, MJM, and Cohoes store locations. Applying for the card is almost effortless as it can be performed online. You won’t also be charged an annual fee, which is common among such a type of cards.

Burlington Credit Card Welcome Bonus

Burlington Credit Card Welcome Bonus

The Burlington credit card is one of the simplest cards you’ll ever see in the market. It has a straightforward welcome bonus offer to new cardholders through a 10% discount coupon, and it also comes with a rewards structure.

Generally, the card will let you earn 1 point for every $1 spent on Burlington purchases. After collecting a sufficient number of points, you can convert 100 points for $5 in rewards that is only valid for 60 days. The problem? That is the summary of Burlington credit card’s rewards structure. There are no additional ways to earn points, no tiers, no ways to boost the value of your points, and no other choices in points redemption.

Benefits of Program Members and Burlington Cardholders

Benefits of Program Members and Burlington Cardholders

There are also no additional bonuses for your birthday, card anniversary, or anything else. There are also no special financing offers whatsoever. There are a few “benefits” (extended, receipt-free returns on Burlington purchases, new arrivals exclusive email notifications, and a $5 bonus on all completed layaways) included in its features, BUT those things are non-exclusive. Without applying or qualifying for the card, you can avail all of them through Burlington Loyalty Program.

Final Thoughts:

We always want a simple credit card with a simple rewards program: something that will help you earn points without fuss. And while Burlington credit card employs that kind of system, it fails to excite and motivate its shoppers to shop using the card or even apply for an account.

The feature of the Burlington credit card is so minimal. The only things you can expect from it are the welcome bonus and the $5 Rewards Certificate. The thing is, everything about the said offers is extremely scanty. If you compare its intro bonus to other credit cards offering up to a 30% discount or even $200 back, it is nothing. The earning rate to reach the needed 100 points is kind of poor, as well.

With this, we don’t think Burlington credit card can offer anyone or any Burlington shopper any valuable benefits in the long run. It can even endanger you with its steep 26.99% purchase APR, which can lead to hefty interest charges if you’re not careful enough in using it.

There are other store cards out there that offer better sets of features. But if you want a card that you can still use at Burlington stores and other merchants, general rewards cards will be the best option to consider. Most of them have great earning rates wherever you use them and even come with fantastic bonuses and offers, such as 0% intro APR and flexible redemption options. If you need the best cards, look within the portfolio of issuers like Wells Fargo, Citi, Capital One, Bank of America, Discover, Amex, and Chase.