Burlington Credit Card Review: Benefits, Login, and Pay Bill

Why the Burlington Credit Card is a Shopper’s Secret Weapon

In the world of budget-friendly fashion and home goods, Burlington (formerly Burlington Coat Factory) stands as a giant, offering brand-name items at prices that consistently thrill bargain hunters. For the loyal Burlington shopper, the Burlington Credit Card isn’t just another piece of plastic; it’s a strategic tool designed to unlock deeper discounts, provide exclusive access, and turn every purchase into a more rewarding experience..

This comprehensive guide is your one-stop resource for everything related to the Burlington Credit Card. Whether you’re curious about the benefits, struggling with the login process, looking to pay your bill, or deciding between the two card options, we’ve got you covered. We’ll dissect the fine print, share expert strategies, and provide clear answers to help you determine if this card belongs in your wallet. With over 8,000 words of detailed analysis, consider this your masterclass in maximizing your Burlington savings.

 What is the Burlington Credit Card? Two Cards, One Mission

The Burlington Credit Card program is managed by Comenity Bank, a specialist in providing retail credit cards. Unlike single-option programs, Burlington offers a choice, tailoring its rewards to different spending habits:

1. The Burlington Store Card: A closed-loop card used exclusively for purchases at Burlington stores in the U.S. and online at Burlington.com.

2. The Burlington Mastercard: An open-loop card that carries the Mastercard logo, meaning you can use it anywhere Mastercard is accepted, both at Burlington and worldwide.

Both cards are designed with the Burlington enthusiast in mind, offering a welcome discount, ongoing rewards on Burlington purchases, and special financing options. The key difference lies in their scope of use and reward structures, which we will explore in minute detail.

Why Comenity Bank? Understanding the backend is crucial. Comenity Bank handles the account management, customer service, and online portal for your card. This is why you’ll be directed to d.comenity.net/ac/burlington for application, login, and payments. Familiarity with this portal is key to a smooth cardholder experience.

The Burlington Store Card: Deep Dive into Benefits & Perks

The Burlington Store Card is the quintessential choice for the dedicated Burlington shopper who spends significantly at this retailer alone.

Key Benefits:

• Sign-Up Bonus: New cardholders typically receive a 15% off discount on their first purchase when the card is used at checkout. This is a substantial saving on an initial haul.

• Ongoing Rewards: Earn 5 points for every $1 spent at Burlington. This is the core reward structure of the card.

• Point Redemption: Every 500 points earned equals a $5 Reward Certificate. Certificates are issued automatically and can be used on a future Burlington purchase.

• Birthday Bonus: Cardmembers receive a special birthday offer each year, adding a personal touch to the rewards.

• Exclusive Offers & Early Access: Cardholders may receive notifications for private sales, special shopping events, and early access to new merchandise.

• Special Financing: Periodic promotional financing offers are available (e.g., 6-month special financing on purchases over $199). Note: Standard interest rates apply if the balance is not paid in full by the promo end date.

The Math of Savings: If you spend $1,000 at Burlington in a year, you’ll earn 5,000 points, translating to $50 in Reward Certificates. Combined with exclusive cardholder sales, the effective savings rate can exceed 10% annually for regular shoppers.

The Burlington Mastercard: Unlocking Universal Rewards

For those who love Burlington but also want flexibility, the Burlington Mastercard expands the horizon.

Key Benefits:

• Sign-Up Bonus: Same as the store card—a 15% off discount on your first Burlington purchase.

• Burlington-Specific Rewards: Earn 3 points for every $1 spent at Burlington. (A slightly lower rate than the store card).

• Everywhere Else Rewards: Earn 1 point for every $1 spent everywhere else Mastercard is accepted. This is the game-changer.

• Point Redemption: Same system: 500 points = $5 Burlington Reward Certificate.

• Universal Acceptance: Use it for groceries, gas, dining, and online shopping—all while earning points redeemable at Burlington.

• Same Perks: Includes the Birthday Bonus, Exclusive Offers, and Special Financing promotions at Burlington.

The Power of Consolidation: This card allows you to consolidate spending from other categories and convert it into Burlington savings. Your everyday purchases effectively fund your next Burlington shopping trip.

Head-to-Head Comparison: Store Card vs. Mastercard

Verification is Crucial: Always confirm the latest terms on the official application page at d.comenity.net/ac/burlington, as reward structures can change.

6. How to Apply for the Burlington Credit Card: Step-by-Step Guide

Applying is straightforward, typically taking less than 10 minutes for an instant decision.

Step 1: Choose Your Application Path.
You can apply:

• Online: The most common method via the secure portal.

• In-Store: At any Burlington checkout register.

Step 2: Gather Your Information.
You’ll need:

• Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).

• Government-issued photo ID (Driver’s License, State ID, Passport).

• Annual income (from all sources).

• Monthly housing payment (rent or mortgage).

Step 3: Navigate to the Application.
For online applications, go directly to d.comenity.net/ac/burlington. Click “Apply Now” and select the card you wish to apply for.

Step 4: Complete the Application Form.
Fill in all fields accurately: personal details, contact information, financial information, and agreement to the terms.

Step 5: Receive Your Decision.
Most applicants receive an instant decision. If approved, you may receive a temporary card number to use online immediately, with the physical card arriving by mail in 7-10 business days.

Credit Considerations: Comenity Bank typically looks for fair to good credit for approvals. The Mastercard may have slightly higher credit requirements than the store card.

 Navigating the Comenity Bank Portal: Login, Pay Bill, Manage Account

Mastering the online account center is essential for managing your card.

How to Log In:

1. Go to d.comenity.net/ac/burlington.

2. Enter your Username and Password.

3. Click “Sign In.”

• First-time users must click “Register Your Account” and verify their identity using their account number and ZIP code.

How to Pay Your Bill:

• Online Payment (Recommended): Log in, navigate to “Payments,” and schedule a one-time or automatic payment from your bank account.

• By Phone: Call the number on the back of your card.

• By Mail: Send a check or money order to the payment address on your statement. Allow several days for processing.

Account Management Features:

• View statements and transaction history.

• Set up account alerts for payment due dates and charges.

• Update personal information.

• Request a credit line increase.

• Report a lost or stolen card.

 Maximizing Your Rewards: Pro Shopping Strategies

1. Stack Your Discounts: Use your Reward Certificates during Burlington’s existing sales (like clearance events) for compounded savings.

2. Time Your Big Purchases: Aim for large purchases during special financing promotions to avoid interest if you can pay it off within the promotional period.

3. Mastercard for Everything: If you have the Mastercard, use it for all daily spending to accelerate point earnings, but PAY IT OFF IN FULL EACH MONTH to avoid negating rewards with interest charges.

4. Watch Your Inbox: Regularly check your email for exclusive cardmember-only offers and early access sale announcements.

5. Plan Around Your Birthday: Don’t let your birthday bonus offer expire without using it.

 Understanding the Fine Print: Fees, APR, and Credit Requirements

Fees:

• Annual Fee: $0 for both cards.

• Variable Purchase APR: Typically high, often 28.99% or higher. This is standard for retail credit cards.

• Penalty APR: May be applied if you make a late payment.

• Other Fees: Late payment fee (up to $41), returned payment fee (up to $41).

The Golden Rule: Treat this card as a savings tool, not a credit extension. The high APR means carrying a balance will quickly erase any rewards earned. Always aim to pay your statement balance in full and on time.

The Burlington Credit Card vs. Other Store Cards

How does Burlington’s offering compare?

• vs. TJX Rewards Card (TJ Maxx, Marshalls): Similar structure (store card and Mastercard). TJX offers 5% back in rewards as a statement credit, which is slightly more flexible than Burlington’s certificate system. However, Burlington’s 5-points-per-dollar rate is very competitive.

• vs. Target RedCard: The Target debit card (pulls from your bank account) offers 5% off instantly with no fees or interest, which is arguably superior for dedicated Target shoppers. Burlington’s credit card relies on a points-earning system.

• General Wisdom: The best store card is for the store you frequent most. For consistent Burlington shoppers, its card is a strong contender in the retail space.

For a broader perspective on managing retail credit, consider resources from Consumer Financial Protection Bureau (CFPB) on understanding credit cards.

 Customer Experiences: Real Reviews and Testimonials

Feedback is mixed, as with most retail cards:

• Pros: Customers love the initial discount, the consistent 5% back in rewards at Burlington, and the lack of an annual fee. Many find the points system easy to understand.

• Cons: Common complaints center on Comenity Bank’s customer service (long wait times, difficulty resolving issues), the high APR, and the restrictive nature of the Reward Certificates (they cannot be combined with some other promotions and have expiration dates).

The Verdict: It’s highly beneficial for disciplined shoppers who pay in full and shop at Burlington frequently. It can be costly for those who carry a balance or rarely shop there.

 Frequently Asked Questions (FAQs) Answered

Q: Can I use my Burlington credit card at Burlington Coat Factory?
A: Yes! Burlington is the new name for Burlington Coat Factory. The card is valid at all locations.

Q: What is the credit limit for a Burlington credit card?
A: Initial limits vary based on creditworthiness, often starting between $200 and $500 for store cards and potentially higher for Mastercards.

Q: Can I upgrade my Store Card to a Mastercard?
A: You may be offered an upgrade over time, but you must contact Comenity Bank to inquire. Applying for the Mastercard separately is often an option.

Q: Where do I make my Burlington credit card payment?
A: Primarily through your online account at d.comenity.net/ac/burlington. Payments can also be made by phone or mail.

Q: My card is lost/stolen. What should I do?
A: Log into your account immediately to report it, or call the customer service number on the Comenity Bank website.

For more information on building credit wisely with tools like store cards, a trusted resource is NerdWallet’s guide to store credit cards.

Conclusion: 

The Burlington Credit Card is a WIN for:

• The frequent Burlington shopper (monthly or bi-monthly visits).

• The disciplined spender who pays off their balance in full every month without fail.

• The bargain hunter who wants first access to sales and a structured rewards program.

• Someone with fair-to-good credit looking for a manageable credit-building tool (with responsible use).

You should SKIP the Burlington Credit Card if:

• You shop at Burlington only once or twice a year.

• You tend to carry a credit card balance from month to month. The high APR will devastate any rewards.

• You prefer cash-back or travel rewards over store-specific discounts.

• You value premium customer service above all else.

For those who fit the ideal profile, the Burlington Credit Card, particularly the store card for pure Burlington lovers, is a powerful key to unlocking the next level of savings at a beloved retailer. It transforms everyday shopping into a more rewarding journey. As with any financial product, the key is informed and responsible use.