Burlington Coat Factory Credit Card Reviews, Login Info, and More 2025

This article gives you an in-depth look at the Burlington Coat Factory Credit Card — from how to log in and manage your account, to reviews, fees, rewards, pros and cons, and real user experiences. You’ll also find FAQs and a clear conclusion to help you decide if this card is worth it.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. Credit card terms, rates, and offers can change at any time. Always verify the latest details with Burlington or Comenity Capital Bank before applying.

What Is the Burlington Credit Card?

The Burlington Coat Factory Credit Card, sometimes called the Burlington Coat Factory Credit Card, is issued by Comenity Capital Bank. It’s a store credit card, which means it’s mainly designed for shopping at Burlington stores.

Some of its key benefits include:

• 5% back in rewards on every Burlington purchase.
• A 10% discount on your first purchase when you open and use the card the same day.
• Online account management through Comenity’s Account Center.
• A prequalification option that won’t affect your credit score.

Like many store cards, it’s limited in where you can use it. Let’s explore how it works.

Before managing your Burlington Coat Factory credit card or paying bills, you’ll need to log in to your online account.

How to Log In

1. Visit the Burlington Coat Factory Credit Card login page through Comenity’s Account Center.
2. Enter your username and password.
3. Access your dashboard to view your balance, recent transactions, rewards, and payment history.

If you’re logging in for the first time, you’ll need to register and create your credentials.

Forgot Username or Password

If you forget your username or password, click “Forgot Username” or “Forgot Password” on the login page. You’ll need to confirm some personal details like your account number or the last four digits of your Social Security number.

If you still can’t log in, contact Comenity’s customer service for help.

Getting Support or Making a Payment

You can pay your Burlington Coat Factory Credit Card bill online, by phone, or by mail.

• Online: Through your Comenity account.
• Phone: Use the automated payment system or talk to a representative.
• Mail: Send payments to the address on your billing statement.

Make sure to pay early or set up autopay to avoid late fees.

Fees, APR, and Costs

Store credit cards like Burlington’s often come with higher interest rates than general-purpose credit cards.

Interest Rates (APR)

The Burlington Coat Factory Credit Card typically carries a variable APR that depends on your credit profile. Most store cards have APRs that are much higher than average, so carrying a balance can get expensive quickly.

To avoid paying interest, always pay off your full balance each month.

Other Fees

Here’s what you should expect:

• No annual fee, which is a plus.
• Late payment fees are charged if you miss a due date.
• Returned payment fees if a payment doesn’t go through.
• Penalty APRs may apply after missed payments.

The details can vary, so always check your cardholder agreement for updates.

Reward Redemption Limits

Rewards earned with the Burlington Coat Factory Credit Card can typically be redeemed for future Burlington purchases. You can’t redeem them for cash or use them outside the Burlington system.

The 5% back is only valid for Burlington purchases, which makes it ideal for frequent shoppers but less useful for others.

Rewards, Perks, and Benefits

The Burlington Coat Factory Credit Card focuses on store-specific benefits. Here’s what cardholders get:

5% Back on Purchases

You earn 5% back on every Burlington purchase. For example, spending $100 earns you $5 in Burlington rewards that can be used on future purchases.

10% Off Your First Purchase

When you open and use the card on the same day, you’ll receive a 10% discount on that initial transaction. It’s a nice one-time bonus, especially if you’re making a big purchase.

Loyalty Benefits

Burlington also has a loyalty program, and cardholders may receive perks such as:

• Receipt-free returns.
• Early access to special promotions.
• Occasional in-store bonuses or discounts.

However, these perks are most valuable if you shop at Burlington often.

Limitations

• Rewards apply only to Burlington purchases.
• No broad bonus categories like travel, gas, or dining.
• Rewards can’t be transferred or converted to cash.
• Some users find the rewards modest compared to traditional cashback cards.

If Burlington isn’t one of your main shopping destinations, the value may be limited.

User Reviews and Feedback

Positive Experiences

Many users appreciate that the Burlington Coat Factory Credit Card has no annual fee and offers simple rewards. Frequent Burlington shoppers find that the 5% back adds up quickly.

Some customers also like the easy online account access and quick approval process.

Common Complaints

Other users mention drawbacks such as:

• Limited usability (you can only use it at Burlington).
• High interest rates if you carry a balance.
• Occasional issues with billing or online access.
• Slow customer service responses in some cases.

In short, the Burlington Coat Factory Credit Card gets mixed reviews. It’s great for loyal Burlington customers, but not ideal as a general-purpose card.

Tips for Using the Burlington Credit Card Wisely

If you decide to get this card, a few smart habits can help you get the most out of it:

1. Use it only at Burlington: Since it’s a store card, using it elsewhere doesn’t earn you rewards.
2. Pay your balance in full each month: The interest can easily wipe out your 5% reward benefit.
3. Take advantage of the 10% first-purchase discount: Use it for a larger purchase to maximize your savings.
4. Monitor your account regularly: Check your statements and rewards balance often to avoid missed payments or errors.
5. Compare it with other cards: If you want broader rewards, look into cashback cards that offer 2–5% on all purchases.
6. Stay alert to updates: Store cards can change their terms, so read any emails or mailings from Comenity carefully.

Burlington Credit Card vs Other Store Cards

The Burlington Coat Factory Credit Card is similar to other store cards like the Target RedCard or Amazon Store Card — but more limited.

The main difference is scope:

• Target and Amazon cards offer rewards on a wide range of everyday items.
• Burlington’s card focuses solely on Burlington purchases.

If Burlington is your go-to for clothes or home goods, the 5% back makes sense. But if you only shop there occasionally, a general cashback card might be a better value.

How to Apply for the Burlington Credit Card

Here’s how you can apply:

1. Go to Burlington’s website or ask for an application in-store.
2. You may be able to prequalify without affecting your credit score.
3. Complete the form with your name, address, Social Security number, and income.
4. If approved, your card will arrive by mail within a few weeks.
5. Activate your card, set up online access, and start earning rewards.

If you change addresses or experience delays receiving your card, contact Comenity’s customer service for assistance.

Common Login or Payment Problems

Here are some issues customers sometimes face and how to handle them:

• Card not received: If it’s been several weeks, contact Comenity and verify your address.
• Login errors: Use the “Forgot Username” or “Forgot Password” tools, or contact customer support.
• Payment problems: Double-check your payment method and ensure the amount doesn’t exceed your available balance.
• Unrecognized charges: Review all transactions and report any suspicious activity immediately.
• Missing rewards: Rewards can take a few days to post. If they don’t appear, reach out to customer service.

Frequently Asked Questions (FAQ)

Q1: Can I use the Burlington Coat Factory Credit Card anywhere?

No, the card is designed specifically for Burlington purchases.

Q2: Does the Burlington Coat Factory Credit Card have an annual fee?

No, there’s no annual fee.

Q3: What is the interest rate on the Burlington Coat Factory Credit Card?

It varies based on your credit profile, but it’s typically higher than standard credit cards. Always check your agreement.

Q4: How can I make payments?

You can pay online through your Comenity account, by phone, or by mailing a check.

Q5: Can I prequalify without affecting my credit score?

Yes, you can check if you prequalify before applying, and it won’t impact your credit score.

Q6: How do I contact customer service?

You can contact Comenity Bank directly by phone or through their website for account or billing questions.

Q7: Are there any signup bonuses?

Yes, you get 10% off your first purchase when you open and use the card on the same day.

Conclusion

The Burlington Coat Factory Credit Card can be a convenient way to save a little extra if you shop at Burlington frequently. The 5% back and 10% first-purchase discount are nice perks for loyal customers.

However, it’s not the best choice for general spending since it offers limited rewards outside of Burlington. The high interest rate can also outweigh the benefits if you carry a balance.

If Burlington is a big part of your shopping routine and you pay off balances in full, the card can be a smart addition. Otherwise, a general cashback or rewards card may offer better flexibility and long-term value.