Bed Bath And Beyond Credit Card


In this article we will be reviewing the Bed Bath and Beyond Credit card, we will be reviewing all there is to know about the services and rewards you can get from Bed Bath and Beyond.

With this card, people with good or excellent credit get 5 points for every $1 spent at BB&B as well as buy BABY, Christmas Tree Shops, Harmon and Harmon Face Values, whatever those are.

You also get 1 point per dollar spent elsewhere, $25 off your first Bed Bath & Beyond purchase of $100 or more, and a $10 Bed, Bath & Beyond Gift Card with your first purchase.

To give you some perspective, the Chase Sapphire Card offers an initial bonus worth either $625 in travel accommodations or $500 in cash, so the Bed, Bath and Beyond Credit Card’s initial rewards bonus of $10 – $25 isn’t very good.

The Blue Cash Everyday Card offers 3% cash back at supermarkets, 2% at gas stations and department stores, and 1% on everything else, so most people would get more value from such a card than from the Bed Bath and Beyond Credit Card.

In fact, if you aren’t a truly diehard Bed, Bath & Beyond customer who spends a lot at the store on a monthly basis, you can do better.

If you Bed, Bath & Beyond isn’t in the cards, so to speak, at least you’ll have reached this conclusion through a reasoned comparison process, not like Frank the Tank who just got drunk and went streaking.


Bed Bath and Beyond Credit Card Rewards


Let’s start off by discussing the amazing cool rewards offered by the Bed Bath and Beyond Credit card to its customers.

Limited Time Offer: Receive 15% back in rewards on first purchase at Bed Bath & Beyond®. Plus, a $50 rewards certificate. A minimum purchase of $20 is required to earn the $50 rewards certificate offer.

Get a $25 off $100 coupon when you receive your card. Earn 5% back in rewards for every $1 you spend at Bed Bath & Beyond, buybuy BABY Christmas Tree Shops and That, Cost Plus World Market, and Harmon Face Values.

Earn 2% back in rewards for every $1 you spend on gas and groceries and 1% back in rewards for every $1 you spend anywhere else MasterCard is accepted. Receive a $10 Reward Certificate for every $10 you earn.

Get a $25 and an additional $75 Gift Certificate when you spend $1,000 and $6,000 in the first 6 months anywhere MasterCard is accepted outside of Bed Bath & Beyond, buybuy BABY, Christmas Tree Shops, and That!, Cost Plus World Market and Harmon Face Values.


Things to Know About the Bed Bath and Beyond Credit Card


If you need new bedsheets, a high-speed blender, or even an inflatable snowman during the holiday season, there’s a good chance Bed Bath & Beyond has you covered.

The store is a wonderland of all the things you need and many things you never knew you needed to make your house a home.

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Unless you’re a very frequent shopper, though, the Bed Bath and Beyond credit card, issued by Comenity Bank, is probably something you can live without. It has a $0 annual fee, but the rewards it earns are inflexible and a little complicated.

Here are five things to know about the Bed Bath and Beyond credit card.

  1. There are 2 versions of the card

Neither version charges an annual fee, and both can earn rewards. But there are some key differences:

Bed Bath & Beyond Store Credit Card: This is a “closed-loop” card, meaning it can be used only within the family of Bed Bath & Beyond stores, including Cost Plus, Cost Plus World Market, Buy Buy Baby, Harmon, and Harmon Face Values.

Bed Bath & Beyond MasterCard: This store card can be used anywhere MasterCard is accepted.

As of November 2020, both versions offered an introductory bonus upon approval: a $20 reward certificate good that same day only on a purchase of $20 or more, plus a welcome coupon worth $25 off a purchase of $100 or more.

Nerdy tip: You can choose to apply for either version. Note, though, that if you apply for the Bed Bath & Beyond MasterCard but don’t qualify, you will automatically be considered for the store card.


  1. You can choose to earn rewards

Both cards can earn 5% back in rewards on purchases made at Bed Bath & Beyond and its family of brands. The MasterCard version also can earn 2% back on gas station and grocery store purchases and 1% back everywhere else.

That’s not “cash back,” though. Instead, you’ll accrue store rewards, good only at the Bed Bath & Beyond family of stores.

For every $10 in rewards you earn, you’ll be mailed a $10 reward certificate. (Yes, in the mail.) There’s a limit to how many certificates you can redeem per purchase (20), but you can also use Bed Bath & Beyond coupons in that same transaction.

On top of those reward certificates, the Bed Bath & Beyond MasterCard earns extra gift certificates once you hit spending thresholds of $1,000 and $6,000 on the card. Terms apply.


  1. Or you can choose special financing options

Alternatively, instead of earning Bed Bath & Beyond rewards certificates, you can opt for deferred-interest financing on large purchases with Bed Bath & Beyond, meaning you won’t owe any interest on the purchase if you pay in full within the required time frame:

On purchases between $250 and $499.99, you can get six-month financing. On purchases between $500 and $1,499.99, you’re eligible for 12-month financing.

On purchases over $1,500 with the Bed Bath & Beyond store card, you can choose 24-month special financing, which is not available on the MasterCard version.

Unfortunately, you can’t have your new cake pan and eat from it, too. If you opt for these special financing deals, the purchases you make with them will not qualify to earn rewards. You must choose one deal or the other.

Also keep in mind that interest is not “waived” with these offers, as it would be with true 0% intro APR credit cards. It’s merely “deferred,” meaning interest is still accruing in the background.

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If you don’t pay off the purchase in full on time, even if you have only a few cents left on the balance, you’ll be charged interest on the entire amount retroactive to the purchase date.


  1. Your rewards have a short shelf life

If you’re a casual Bed Bath & Beyond shopper and have designs on earning rewards slowly and saving them up for a large purchase, that plan probably won’t work.

That’s because the Bed Bath & Beyond rewards certificates you earn expire after six months. Since those certificates are issued automatically once you earn $10 in rewards dollars in your account, it’s not possible to let them build up slowly over time.


  1. You won’t want to carry a balance

If you opt to earn rewards instead of taking advantage of special deferred-interest financing, you’ll want to make sure you pay off your card bill in full every month.

As of November 2020, the ongoing APR on the Bed Bath & Beyond MasterCard ranged from 13.99% to 23.99% depending on creditworthiness, and the Bed Bath & Beyond Credit Card carried a 26.99% ongoing APR.

If you’re an occasional Bed Bath & Beyond shopper, you can probably do better with a different rewards credit card. The Citi Double Cash Card 18 month BT offer, for example, earns a combined 2% cashback on all purchases: 1% when you buy, and 1% when you pay it off.

That’s a high rate on all purchases, not just with a specific brand, and rewards come as cold hard cashback, which you can use for anything, not just toward Bed Bath & Beyond merchandise.


Ways to Save at Bed Bath & Beyond


  • Subscribe to Its Emails

Sign up to receive emails from BB&B and you’ll get 20% off one in-store purchase right away, plus plenty more exclusive offers and promotions directly to your inbox on a regular basis.

  • Provide the Store With Your Address

Emails usually come every week or two from BB&B with coupon offers, but if you provide your address you’ll receive offers through snail mail as well.

While some of these coupons come with expiration dates printed on them, the store usually accepts coupons past those dates.

  • Stack Multiple Coupons

While most coupons say they’re good for only one purchase although every now and then you might be lucky enough to get a 20% off your entire purchase option.

You can stack your coupons by making multiple purchases, especially if they’re done online just make sure you qualify for free shipping on your orders, otherwise, it doesn’t make much sense to do this.

  • Shop Competitors for Better Offers

Bed Bath & Beyond will match any direct competitor’s price for identical items, as long as they meet these conditions.

  • Use Price-Matching & a Coupon

While it’s not always available, if the competitor with the better price would allow you to apply a coupon as well, Bed Bath & Beyond will allow you to do the same. Otherwise, they apply the best discount either the coupon or the price-match option.

  • Get a Manufacturer’s Coupon

BB&B also accepts manufacturer’s coupons at their stores, plus you can. Cash in on a Manufacturer’s Coupon & a Price Match

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Double your savings by doing some research for better prices at a competing store, and then find a manufacturer’s coupon for the item and BB&B will let you use both. Remember, this must be a manufacturer’s coupon, not a competitor’s coupon.

  • Hold on to Receipts to Cash in on Coupons Later

Save those receipts for your recently purchased items at BB&B. If you receive a coupon a couple of days later, the store will still honor the discount.

  • Get a Bed Bath and Beyond Credit Card

The brand’s MasterCard gives frequent shoppers 5% back for every $1 spent at its stores, 2% back per $1spent on gas and groceries, and 1% back anywhere else.

Just be sure to pay your balances off in full; otherwise, you’ll be paying a variable purchase annual percentage rate (APR) of 24.49%, 18.49%, or 14.49%, depending on your creditworthiness.

You can get a sense of where you would fall by viewing two of your credit scores, updated every 14 days, for free on

  • Get Cash Back

Use sites like Shop at Home to receive cashback on your purchases at Bed Bath & Beyond. The site has coupon offers, as well.



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Finally, you know all you need to get a Bed Bath and Beyond Credit card, if you are satisfied with the rewards and services which we discussed in this article you can start using the Bed Bath and Beyond Credit card.

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