What the Bed Bath & Beyond credit card is and who issues it
Bed Bath & Beyond stopped issuing its own branded credit card years ago. The company filed for bankruptcy in 2023 and closed all stores by 2024. If you hold a card with the Bed Bath & Beyond name on it, it was issued by Comenity Bank during the years the program ran, and that card is no longer active.
If you are looking to use a credit card at Bed Bath & Beyond locations that may still operate under new ownership, or if you have questions about an old Bed Bath & Beyond card you still hold, the information below covers what that card was, how it worked, and what happens to old accounts.
This guide is informational only and does not represent current shopping or credit options at any retailer.
Key Takeaways
- Bed Bath & Beyond's branded credit card program ended when the company closed all stores in 2024.
- The card was issued by Comenity Bank and offered rewards on purchases at Bed Bath & Beyond and partner retailers.
- If you still hold an old card, contact Comenity Bank directly to learn the status of your account and whether the card can still be used.
- Any remaining balance on an old card should be paid off or transferred to another card, since the program is no longer active.
How the Bed Bath & Beyond card worked when it was active
The Bed Bath & Beyond credit card was a store card issued by Comenity Bank. It could be used at Bed Bath & Beyond stores and online, and also at other retailers including buybuy BABY (before that chain also closed) and Cost Plus World Market. The card earned rewards points on purchases, with higher earning rates during promotional periods.
Cardholders received periodic promotional offers, such as bonus points on specific purchase amounts or discounts on certain product categories. The card also gave early access to sales and special events. Like most store cards, the interest rate was typically higher than general-purpose credit cards, and the card could only be used at participating retailers.
What happened to existing Bed Bath & Beyond cards
When Bed Bath & Beyond filed for bankruptcy in January 2023 and began closing stores, the credit card program was wound down. Comenity Bank, the card issuer, stopped accepting new card applications. By the time all Bed Bath & Beyond locations closed in 2024, the card was no longer usable for purchases.
If you still hold a physical card, the account may still exist in Comenity Bank's system, but the card itself cannot be used at retailers. Any remaining rewards points on the account were typically forfeited when the program ended, though some cardholders received notices about redemption windows or point conversion options during the closure process.
What to do if you still have an old Bed Bath & Beyond card
Contact Comenity Bank directly to confirm the status of your account. You can reach them through the customer service number on the back of your card, or search for "Comenity Bank customer service" online to find current contact information. Ask whether your account is still open, whether any balance remains, and what options you have for paying it off.
If you have a balance on the card, you should pay it off as soon as possible. Even though the card cannot be used for new purchases, the account may still accrue interest on any outstanding balance. If you cannot pay the full balance, contact Comenity Bank to discuss payment plans or other options.
Do not throw away the card or ignore notices from Comenity Bank. If the account goes unpaid, it may be reported to credit bureaus and affect your credit score. Keep records of any payments you make and any correspondence with the bank.
Store cards versus general credit cards
Store cards like the old Bed Bath & Beyond card are issued by a specific retailer or a bank on behalf of that retailer. They can only be used at that retailer and sometimes at partner stores. In exchange, they often offer rewards or discounts that are higher than what a general credit card provides — but only on purchases at those specific places.
The tradeoff is that store cards typically carry higher interest rates and lower credit limits than general-purpose cards. They are most useful if you shop at that retailer frequently and can pay off the balance each month. If a retailer closes or the card program ends, you lose the ability to earn rewards and may be left with an account you cannot use but still need to manage.
A general-purpose credit card, by contrast, works at any retailer and usually has a lower interest rate. For most people, a general card is more flexible and useful over the long term, especially since retailers can close or change their programs without warning.
How store card closures affect your credit
When a store card program ends, the impact on your credit depends on the account status. If you paid off your balance before the program closed, closing the account may slightly lower your credit score in the short term because it reduces your total available credit. This effect is usually small and temporary.
If you have an outstanding balance when the program ends, the account remains open until the balance is paid. During this time, interest continues to accrue. If payments are missed, the account will be reported as delinquent to credit bureaus, which can significantly damage your credit score. Paying off the balance as quickly as possible is the best way to protect your credit.
If you had a long account history with the card, closing it also removes that history from your credit profile. Credit bureaus keep closed accounts on your report for seven years, but they have less weight over time. The older and more established your credit history overall, the smaller this impact will be.
Alternatives if you shopped at Bed Bath & Beyond
If you regularly shopped at Bed Bath & Beyond and used the rewards card, you may want to consider where you will shop for similar products now. Home goods retailers like Target, Walmart, and Wayfair offer their own credit cards with rewards programs. Department stores like Macy's and Kohl's also have store cards with promotional offers.
Alternatively, a general-purpose cash-back credit card may serve you better. These cards earn rewards at any retailer, so you are not dependent on one store's program. The cash-back rate is usually lower than a store card's promotional rate, but it applies everywhere you shop, which often makes it more valuable over time.
Compare the rewards rate, annual fee (if any), and interest rate of any new card before opening it. Use a card only if you plan to pay off the balance each month — the interest charges on store cards can quickly erase any rewards you earn.
Frequently Asked Questions
Can I still use my old Bed Bath & Beyond card anywhere?
No. The card program ended when Bed Bath & Beyond closed all stores in 2024. The card cannot be used for purchases at any retailer. If you have an outstanding balance, you still need to pay it off through Comenity Bank, but you cannot make new charges on the card.
What happens to my rewards points if I had them on the card?
Rewards points were typically forfeited when the program ended. Some cardholders received notices during the closure process with options to redeem points before a important date, but those windows have passed. Contact Comenity Bank to confirm whether any points remain on your account.
Will a closed Bed Bath & Beyond card hurt my credit score?
A closed account with a zero balance has minimal impact on your credit score. However, if you have an unpaid balance, missed payments will be reported to credit bureaus and can significantly lower your score. Pay off any remaining balance to avoid this damage.
How do I learn about I still owe money on the card?
Call Comenity Bank using the number on the back of your card, or search online for their current customer service number. Provide your card number and personal information to confirm your account status and any balance owed. Ask about payment options if you cannot pay the full amount at once.
Should I open a new store card at another retailer?
Store cards are useful only if you shop at that retailer frequently and pay off the balance each month. Because store cards have higher interest rates and limited use, a general-purpose cash-back card is usually a better choice for most people. Open a store card only if the rewards significantly outweigh the higher interest rate.