| Rewards | You earn points on every dollar spent with your Buckle Credit Card, tied to the Buckle Rewards program. Most cardholders get: 1 point per $1 spent initially; 2–3 points per $1 as you reach higher loyalty tiers (like Premier or Premier+ status). For every 300 points, you get a $10 reward certificate to use at Buckle. |
|---|---|
| Signup Bonus | 10% off your first purchase with the Buckle Credit Card after approval — a simple but immediate discount. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
| Late Payment Fee | $30 to $41 depending on recent fee history. |
| Purchases APR | 35.99% variable APR for purchases |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Buckle Credit Card is a store-focused rewards card with no annual fee, a small signup perk like 10% off your first purchase, and a points-based rewards program that converts purchases into $10 reward certificates. It’s designed primarily for loyal Buckle shoppers rather than general-purpose spending.
Most users say they like the easy points earning on Buckle purchases, the tiered rewards system that unlocks extra perks for frequent shoppers, and occasional free shipping offers. Many reviewers mentioned that it’s simple to use, and the certificates provide a tangible, immediate reward for shopping.
On the flip side, cardholders often complain about the very high APR (35.99%), making carrying a balance costly. Others note that the rewards are limited strictly to Buckle, so if you shop elsewhere, the card offers little value.
Personally, I think this card makes sense only for regular Buckle customers who want small rewards on purchases they’d make anyway. If you’re looking for broader cash-back, travel rewards, or lower-interest options, most people will find better value with a general-purpose credit card.
RATE THIS CREDIT CARD
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Great for frequent shoppers
As a regular shopper at Buckle I applied for the Buckle Credit card hoping to boost my savings. I got 2 points per dollar spent, and initial 15% off discount, and free shipping once I spent over $99. The catch is it only works at buckle stores and the interest is very high if you carry a balance.
