QVC Q Credit Card Review

Analysis of QVC shopper credit cardVerdict

The QVC Q credit card is only offered to registered shoppers at QVC. The card has a very high APR and should not be used to carry a balance, but does provide a convienent method to pay for QVC purchases.

Overview

The QVC Q card is good only on QVC purchases and provides, simply, an easy and convienent way to pay for your purchases.

How This Card Works

The QVC Q card is only available to registered members of QVC.com or shoppers of QVC. The card offers convienence, primarily. This card is good only for purchases at QVC and their online website and has no balance transfers or cash advances. You do not earn rewards with your Q card.

For your application to be accepted make sure the following information applies to you: you are a registered shopper at QVC, you are at least 18 years old, you have no submitted an application for the Q card in the past 3 months, and your credit history has no serious delinquencies or bankruptcies.

Travel and Shopping Benefits

The Q card allows you to make convienent purchases with QVC and gives you the option of deferred payments. You can use your card to buy large ticket items through the company and use your discretion to pay the balance all at once or over time.

Fees

The standard APR for purchases on the QVC card is 22.80% The grace period is 25 days if there is no pervious balance. Returned payments are charged $29. Late fees for your QVC account are as follows: $15 for balances under $25, $25 for balances between $25 and $49.99, $29 for balances between $50 and $499.99, and $39 for all balances above $500.

The Bottom Line

Pros:

  • High grace period
  • No fee for going over your credit limit

Cons:

  • High standard APR of 22.80%
  • This credit card is good only on QVC purchases–no balance transfers or cash advances

Editor's Note

As a general rule of thumb, we usually recommend avoiding store branded credit cards altogether. If you want to earn rewards, most people will be better off applying for a general cash back card to use everyday. You can check out our Guide to the Top Cash Back cards by clicking here.
About the author

Kevin

Kevin founded CreditShout in 2008 to help people manage their credit and finances. He wants to make it easy for anyone, regardless of their level of financial knowledge to understand credit cards and what may seem like the complex world of personal finance. | Author Google+

5 comments
Click here to add a comment