| Rewards | You can earn rewards on purchases, often expressed as points or cash-back-style benefits on purchases at Chadwicks or affiliated retailers (e.g., 1–5% cash back or points per $1 spent). |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.99% |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $41 |
| Purchases APR | 22.24% – 29.24% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Chadwicks Credit Card is a store-branded retail card known for its no annual fee and rewards tied to shopping at Chadwicks of Boston. Most users say they like the straightforward points or discount system, which gives perks on purchases at Chadwicks and sometimes affiliated stores. Many reviewers mentioned that it’s easy to get approved compared with larger national cards, and that using it can be a simple way to earn store discounts or rewards for frequent shoppers.
On the flip side, cardholders often complain about the high interest rates — both the purchase APR (typically over 22%) and cash advance APR (around 30%) are steep if you carry a balance. Some also note that the rewards are limited to store purchases and that there’s no traditional signup bonus as you’d find with bigger bank credit cards.
Personally, I think this card is best for regular Chadwicks shoppers who can pay in full each month. It’s convenient for earning store rewards and discounts, but anyone looking for broad rewards, low APR, or cash bonuses will likely find better value with a general-purpose credit card.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
M
rewards are modest
I used this card mostly for apparel at Chadwicks and appreciated the occasional store discount. However, the rewards are minimal and there's nothing special for using it elsewhere. Decent if you shop there, but not worth it for general use.
