| Rewards | Members earn 10 points for every $1 spent at Abercrombie & Fitch stores or online in the U.S. (and once spending more than about $500 in a year you qualify for VIP status, at which point you earn ~15 points per $1). When you reach 2,500 points, you receive a $10 reward. |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 21.74% variable |
| Cash Advance Fee | N/A |
| Late Payment Fee | If you miss the Minimum Payment Due by the Payment Due Date, the late fee is $27 if you haven’t been charged a late fee in the past six billing periods. If you have been charged a late fee during the prior six billing periods, the fee increases to $38. |
| Purchases APR | 25.99% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Abercrombie & Fitch Credit Card is mainly known as a store card that rewards loyal shoppers with perks like exclusive discounts, special birthday offers, and points for every purchase at Abercrombie & Fitch, Hollister, and affiliated brands. There’s no annual fee, but it’s tied closely to brand spending—so it’s not ideal for everyday use outside the stores.
Most users say they like the easy access to rewards, occasional member-only sales, and simple approval process, which makes it appealing for frequent A&F shoppers or students building credit. Many reviewers mentioned that the in-store discounts add up quickly if you’re already shopping there regularly.
On the flip side, users often complain about the high APR, limited usability (since it’s mainly a store card), and occasional customer service headaches. Some also note that rewards expire if you’re not consistently shopping.
Personally, I think this card makes sense only if you’re a devoted Abercrombie or Hollister fan who shops there often and pays off balances in full. For everyone else, a general cash-back card will likely offer better long-term value and flexibility.
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