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How to use the Bed Bath & Beyond Mastercard: You don’t plan to carry a balance from month to month.You can’t qualify for a separate credit card that offers higher rewards on gas and/or grocery purchases.You prefer merchandise discounts over other types of rewards.
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In other words, the card is best suited for consumers who tend to pay their balances in full every month and avoid accruing excessive interest charges. Depending on your own credit history, your APR could be as high as 23.99 percent, especially if there’s a blemish or two on your record. Decent APR for a store cardĪs far as retail cards go, the Bed Bath & Beyond Mastercard’s variable APR starts at a reasonable 13.99 percent, but that interest rate is reserved for cardholders with the best credit scores. Keep an eye on your billing statement and make sure your monthly payments are received on time - missing a payment could also cause you to lose the deferred-interest period, not to mention result in late fees. Keep in mind, however, that these are deferred-interest financing deals, which differ from true 0 percent financing in that interest accrues from the date of purchase and is added to your total balance if it’s not paid in full by the end of the promotional period.ĭon’t let the “0 percent” language fool you: Financing a big-ticket item and failing to pay your balance in time could add hundreds of dollars to what you owe. The promotional period increases to 12 months on purchases over $500. When you spend between $250 and $500, you’ll enjoy no interest if your balance is paid in full within six months. The Bed Bath & Beyond Mastercard offers special financing on purchases exceeding a certain amount. Plus, first-time subscribers get a certificate for 20 percent off one item bought in-store. And by becoming a Bed Bath & Beyond email subscriber, you’ll be the first to hear about new products and promotions. You can also sign up for My Offers to organize your coupons in one place for ease of use.
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Moreover, your rewards can be combined both with each other and with other offers, such as free shipping on orders over $29, free truck delivery on certain items, and paper, email and mobile coupons. Unlike many other retail cards, it also offers 2 percent back on gas and grocery purchases and 1 percent everywhere else Mastercard is accepted. It offers 5 percent back on purchases made at Bed Bath & Beyond and associated brands (buybuy BABY, Christmas Tree Shops, Cost Plus World Market and Harmon Face Values). The Bed Bath & Beyond Mastercard’s rewards rate easily matches - and in some cases, exceeds - the highest rates offered by similar cards in the retail category. The credit card’s simplified rewards structure and ample sign-up offers, along with the ability to combine rewards with those aforementioned coupons and other discounts, means loyal customers stand to save a considerable amount of money at one of the nation’s go-to wedding registry retailers. If you’re a fan of Bed Bath & Beyond - and who doesn’t love those 20 percent coupons that magically show up in the mailbox and seemingly never expire? - you’ll love its store-branded Mastercard. Get personalized offers from our partners in seconds. Find card offers for you: This card is not currently available on, but you can still find a great card offer for you! Our CardMatch tool can help match you with prequalified offers and cards that align with your credit history – with no harm to your credit score.
