What the Boscov's Credit Card Does
The Boscov's credit card is a store card issued by Boscov's Department Stores that you can use to make purchases at Boscov's locations and online. When you open an account, you receive a card tied to a credit line that works like other retail credit cards — you make purchases, receive a monthly statement, and pay what you owe.
The card comes with rewards and discounts tied to your spending at Boscov's. The specific rewards structure, interest rates, and terms depend on the offer at the time you open the account, so the details you see when you start the process will be the ones that explore to you.
Unlike a general-purpose credit card, you can only use this card at Boscov's stores and their website. If you shop at other retailers, you would need a separate card for those purchases.
Key Takeaways
- You can open a Boscov's credit card online at Boscovs.com, in a store, or by phone, and you will see the current rewards and terms before you decide.
- The card works only at Boscov's locations and Boscovs.com, not at other stores.
- You need a Social Security number and basic personal information to open an account, and the store will check your credit.
- Once approved, you can use your card when ready online or request a physical card to arrive by mail for in-store shopping.
- Your monthly statement and account management happen through the Boscov's website or by phone with their customer service team.
How to Open a Boscov's Credit Card Online
The fastest way to open an account is through Boscovs.com. Go to the credit card section of the website, usually found in the footer or under "Customer Service." You will see the current offer, rewards details, and terms before you start.
Click the button to begin the process. You will enter your full name, date of birth, Social Security number, address, phone number, and email. The form also asks about your annual income and whether you rent or own your home. Answer honestly — the store uses this information to decide whether to open your account and what credit limit to offer.
After you submit, you will see a decision right away or within a few minutes. If approved, you can use your card number to shop online when ready. A physical card will arrive by mail within 7 to 10 business days for use in stores.
Opening a Card in a Boscov's Store
You can also open an account at any Boscov's location by visiting the customer service desk. Bring a photo ID and be ready to provide your Social Security number. A store associate will walk you through a short process on a tablet or paper form.
The in-store process takes about 10 minutes. If you are approved, you can receive a temporary card number on the spot to use for your purchase that day, and your physical card will arrive by mail. Some locations may issue a physical card when ready, though this varies by store.
What You Need to Know About Credit Checks and Approval
Boscov's will run a hard inquiry on your credit report when you open an account. This means they check your credit history with the three major credit bureaus. A hard inquiry can lower your credit score slightly, usually by a few points, and stays on your report for about two years.
Approval depends on your credit history, income, and current debt. If you have fair or poor credit, you may still be approved but with a lower credit limit. If you are denied, Boscov's will send you a letter explaining why within 30 days. You can contact their customer service to ask about your decision or try again after improving your credit.
Managing Your Account and Making Payments
Once your account is open, you manage it through Boscovs.com or by calling Boscov's customer service. Create a login with your email and a password to view your balance, statement, and payment history online anytime.
Your monthly statement arrives by mail or email, depending on what you choose during setup. The statement shows your purchases, balance, minimum payment due, and the due date. You can pay online through your account, by phone, by mail, or in a Boscov's store.
Payments are due by the date listed on your statement. If you pay the full balance by the due date, you avoid interest charges. If you carry a balance month to month, interest accrues at the card's annual percentage rate (APR), which varies based on your creditworthiness and current offers.
Rewards and Discounts You Earn
The Boscov's card comes with rewards for every purchase you make. The exact structure — whether you earn points, cash back, or special discounts — depends on the offer when you open your account. Some offers include bonus rewards during your first few months, anniversary discounts, or extra points on certain types of merchandise.
You earn rewards automatically with every purchase. You do not have to sign up separately or enter codes. Check your account online or your statement to see your current rewards balance and how to redeem them. Most rewards can be used as a statement credit or discount on future purchases.
Boscov's also runs periodic promotions for cardholders — for example, double points days or special discounts during sales events. These are usually announced by email or appear in your account when you log in.
What to Do If You Have Problems or Questions
If you forget your online password, go to Boscovs.com and click "Forgot Password" on the login page. You will receive a reset link by email within a few minutes.
If you have questions about your balance, rewards, or how to make a payment, call Boscov's customer service. The phone number is on your statement, your card, and on Boscovs.com. You can also visit a store and speak with a customer service associate in person.
If you notice a purchase you did not make, report it to Boscov's right away. Call the number on your statement or log into your account and look for a dispute option. Boscov's will investigate and remove fraudulent charges from your account.
Frequently Asked Questions
Can I use my Boscov's card at other stores?
No. The Boscov's credit card works only at Boscov's department stores and on Boscovs.com. You cannot use it at other retailers. If you need a card for other purchases, you would need a separate general-purpose credit card.
What happens if I miss a payment?
If your payment is late, Boscov's will charge a late fee and report the missed payment to the credit bureaus, which will hurt your credit score. If you think you will miss a due date, call customer service before the date arrives — they may be able to work with you on timing or discuss your options.
How long does it take to receive my physical card?
Your physical card usually arrives within 7 to 10 business days after approval. If you need to shop before it arrives, you can use your card number online or ask a store associate about a temporary card for in-store use.
Can I close my account if I no longer want the card?
Yes. Call Boscov's customer service and ask to close your account. Make sure you pay off any remaining balance first. Once closed, you cannot use the card, but the account history stays on your credit report.
What is the credit limit on a Boscov's card?
Your credit limit depends on your credit history, income, and the decision made when you open the account. Boscov's will tell you your limit when you are approved. You can request a higher limit later by calling customer service, though approval is not may provide.