Boscov's Credit Card Review: Rewards, Fees & Benefits

Rewards

Category	Rate	Type	Cap
Boscov's Purchases Qualifying purchases made at Boscov's stores and boscovs.com	2x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Birthday Offers Cardholders receive special offers during their birthday month.	Lifestyle	Varies by offer
Exclusive Cardholder Events and Offers Access to exclusive events and special offers available only to Boscov's Credit Cardholders.	Lifestyle	Varies by event/offer
Boscov's Reward Certificates Receive a $20 Boscov's Reward Certificate for every 1,000 points earned.	Rewards	$20 per 1,000 points Up to $20
Boscov's Rewards Points Earning Earn 2 points for every $1 spent on your Boscov's Credit Card at Boscov's stores and online.	Rewards	2 points per $1 spent
First Day Purchase Discount Cardholders receive a discount on their first day's purchases when they open and use their Boscov's Credit Card.	Shopping	15% off
Special Financing Offers Cardholders may be eligible for special financing offers on qualifying purchases made with their Boscov's Credit Card. Specific terms and conditions apply to each offer.	Shopping	Varies by offer

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Penalty APR32.24%

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

600 Recommended minimum FICO · Range 600–700

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Amex cards, excessive returns, spending patterns inconsistent with stated income, late payments, bouncing payments, abuse of welcome bonuses, or opening too many Amex accounts too quickly.

Cliff Effect Rules

While specific 'card family' cliff rules are less common for standalone store cards, the primary 'cliff' is the Lifetime Bonus Rule, preventing a second welcome bonus for this specific card. American Express may also have internal rules regarding eligibility for certain types of cards if you hold too many of a similar type, though this is less defined for a store card.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility requirements for the Boscov's Credit Card (issued by American Express) include: a good to excellent credit score (typically 670+), minimum age of 18 years, a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and sufficient income to support the credit limit. Applicants must not have received a welcome bonus for this specific Boscov's Credit Card in the past (Lifetime Bonus Rule: One welcome bonus per card per lifetime). Additionally, applicants must not have been approved for more than two American Express credit cards within the last 90 days (2/90 Rule).

Boscov's Credit Card