Burkes Outlet Credit Card Review: Rewards, Fees & Benefits

Rewards

Travel Portal1x

Category	Rate	Type	Cap
Burkes Outlet and Affiliated Purchases Earn 2 points per $1 spent on eligible purchases at Burkes Outlet, Bealls, Home Centric, and their websites.	2x	Points	No cap
All Other Purchases This is a closed-loop store card and cannot be used for purchases outside of Burkes Outlet and its affiliated retail brands.	0x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The Burkes Outlet Credit Card does not charge an annual fee.	Financial	$0 Annual Fee Up to $0
Birthday Offer Receive a special birthday offer each year. Requires a valid email address on file.	Lifestyle	Special offer
Exclusive Savings Events Cardholders receive access to special savings events.	Shopping	Access to special savings
First Purchase Discount Save 15% on your first purchase when you open and use your Burkes Outlet Credit Card.	Shopping	15% off first purchase
Points Earning Earn 1 point for every $1 spent on eligible purchases at Burkes Outlet and Home Centric stores.	Shopping	1 point per $1 spent
Reward Redemption Receive a $5 Reward for every 500 points earned. Rewards are issued as certificates.	Shopping	$5 Reward for 500 points Up to $5

Interest Rates

Purchase APR32.24% Variable

Cash Advance APR32.24%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months or if you make a late payment.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Cash Advance FeeEither $10 or 5% of the amount of each Cash Advance, whichever is greater

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–739

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, excessive credit limit utilization across all Amex cards relative to income, rapid application for new credit, abuse of return policies or credits, frequent cash advances, late payments, sudden drastic changes in spending patterns, and violation of Amex's terms and conditions.

Cliff Effect Rules

The primary cliff effect is the 'one welcome bonus per card per lifetime' rule. Additionally, American Express may limit the number of identical co-branded credit cards an individual can hold simultaneously, preventing multiple bonuses for the same product.

International Friendly

May have limitations for international use.

Additional Issuer Rules

American Express's standard application rules apply: applicants must be 18 years or older, a US resident with a valid SSN or ITIN, and possess a good credit history (typically FICO 670+). The 2/90 rule limits approvals to a maximum of two credit cards every 90 days. A welcome bonus is generally offered only once per card product per lifetime.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

The Military Lending Act (MLA) provides certain protections for active duty service members and their dependents, including a Military Annual Percentage Rate (MAPR) cap of 36%.

Burkes Outlet Credit Card