Burlington Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.01¢ each

Travel Portal1x

ExpirationRewards will expire 24 months from the date they are earned. Reward Certificates expire 90 days from the date of issuance.

Redemption NotesReward Certificates are redeemable for merchandise only at Burlington stores, not for cash, credit, prior purchases, gift cards, or Account payments. They are non-transferable and cannot be combined with other discounts. If purchase amount is less than certificate value, the difference is forfeited. Lost, stolen or expired certificates will not be replaced.

Category	Rate	Type	Cap
Burlington Purchases Earn 1 point for each $1.00 of net eligible purchases made at Burlington Stores.	1x	Points	No cap

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
Exclusive Cardholder Offers Access to special discounts, promotions, and personalized offers available only to Burlington Credit Card holders. These offers vary and are communicated periodically.	Shopping	Varies by offer
Points Earning Cardholders earn 1 point for every $1 spent on eligible purchases made at Burlington stores and online using their Burlington Credit Card.	Shopping	1 point per $1 spent
Reward Certificate Redemption For every 500 points accumulated, cardholders automatically receive a $5 Reward Certificate. These certificates can be redeemed towards purchases at Burlington stores.	Shopping	$5 Reward for 500 points Up to $5
Special Savings Events Invitations to exclusive savings events, early access to sales, and other special shopping opportunities reserved for Burlington Credit Card holders.	Shopping	Varies by event

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: No Interest if paid in full within 6 or 12 Months on qualifying purchases of $299 or more. 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

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater.

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 $30

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

Student EligibleYes

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, abuse of welcome bonuses (e.g., applying for the same card too frequently, closing and reopening solely for bonuses), suspicious spending patterns (e.g., large, unusual purchases immediately after approval, very low spend on a high-limit card, or spending inconsistent with reported income), breaching Amex's terms of service (including return abuse), bouncing payments, or triggering a financial review (e.g., sudden significant increase in credit utilization across all cards, large cash advances, or discrepancies in reported income).

Cliff Effect Rules

The primary 'cliff effect' for the Burlington Credit Card is the 'one welcome bonus per card per lifetime' rule. While Amex has broader 'family rules' for certain product lines (e.g., Delta, Hilton, Platinum, Gold) that restrict multiple bonuses within the same family, for a standalone co-branded store card like Burlington, this lifetime rule is the most direct and significant restriction.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility requirements for the American Express Burlington Credit Card in 2026 include being at least 18 years old, having a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), being a US resident, and possessing a good to excellent credit history. Application rules include a 'Lifetime bonus rule' where one welcome bonus is allowed per card per lifetime. Additionally, the '2/90 Rule' limits approvals to a maximum of 2 credit cards every 90 days across all American Express credit card products.

Military & Hardship

MLA Compliant

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

SCRA Benefits

6% APR cap on pre-service balances during active duty

Hardship Program

Hardship program available.

Burlington Credit Card