The bebe Store Credit Card Review

The bebe store credit card is a popular choice with young women who frequently shop at bebe or its sister stores, 2b bebe and bebeSPORT. Like all store cards, the bebe credit card can only be used at bebe, 2b bebe, and bebeSPORT locations as well as online. Cardholders gain access to the clubbebe rewards program, as well as early notice of sales and promotions. So, is the credit card worth it? Here’s a more in-depth look.

Features of the bebe Store Card

  • Early notice of sales and new items
  • 10% off your first purchase
  • 23.45% interest rate (last revised 2006 and likely higher)
  • No annual fee
  • Issued by GE Money Bank
  • 1 rewards point for every $1 spent at bebe
  • 50 bonus points when you open the account
  • 250 points = $10 rewards
  • 1,000 points = free shipping for one year
  • Applications only accepted in store

Rewards Program

Approval for the bebe store credit card automatically enrolls you in the clubbebe rewards program, although this program is available without applying for the credit card. With your bebe card you earn 1 point for every $1 in spending, and every 250 points is redeemable for a $10 reward card. When you earn 1,000 points you’ll automatically receive free shipping on online bebe purchases for a full year. Clubbebe also gives you exclusive double rewards points events, as well as a birthday gift offer. If you’re interested in the bebe rewards program, skip the credit card and just sign up for clubbebe.

Downsides to the bebe Store Credit Card

There is very little information online about the bebe credit card except for an outdated statement of the terms. Last updated 2006, the terms indicate a 23.45% variable APR, although this is likely much higher today. While you can qualify for this credit card with a rather low credit score, you’re still better off avoiding this ridiculously high-interest rate and going for a more appropriate credit card that can be used outside the store. You can also expect a low credit limit under $700 when you qualify for the bebe card.

Final Thoughts

While there isn’t much information to go on, the bebe store credit card still has no real redeeming qualities. The card does include a great rewards program, although it’s important to remember this program is available without signing up for the credit card. If you’re looking for better rewards or a card that can be used outside bebe stores, try something from Capital One or Discover.

Credit Shout is a community of personal finance experts dedicated to helping you save money and make smart financial decisions. Learn how to master your credit card rewards, improve your credit score and start eliminating your debt.