| Rewards | The card traditionally earns store?specific rewards when used at Christopher & Banks and related partner ShopHQ locations. |
|---|---|
| Signup Bonus | New cardholders often receive an initial discount on their first purchase. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | Not clearly specified but typically very high and interest accrues immediately. |
| Cash Advance Fee | The greater of $10 or a percentage of the amount (commonly 5%) per advance. |
| Late Payment Fee | Up to $41 |
| Purchases APR | Prime + 26.49% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Christopher & Banks Credit Card is a store-focused retail card known for offering special in-store discounts, rewards points on purchases, and occasional signup offers. There’s no annual fee, and cardholders can often earn rewards faster during sales or promotional events.
Most users say the card is easy to use and valuable for regular shoppers at Christopher & Banks. Many reviewers mentioned they appreciate exclusive discounts, birthday rewards, and the ability to stack rewards with sales, which can lead to significant savings on apparel. Cardholders also like that new card promotions often give a meaningful discount on their first purchase.
Some users complain about the high interest rates if balances aren’t paid in full, and many note that rewards are limited strictly to Christopher & Banks purchases, so it’s not useful for broader spending. A few reviewers also mentioned that online account management and customer service can feel less intuitive compared to larger credit card issuers.
Personally, I think this card is best for frequent Christopher & Banks shoppers who pay off their balance each month to avoid interest. If you’re looking for general-purpose rewards or cash back elsewhere, you’ll likely find more value with a traditional cash-back or travel card.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
B
High interest and limited usefulness
I used this card to shop at Christopher & Banks because I love their clothes, but the APR is every steep. Rewards are decent when in good standing, but the return certificates don't go very far.
