The Woman Within credit card is a store-branded credit card issued by Comenity Bank, usable only at Woman Within and affiliated FullBeauty Brands such as Fullbeauty, Jessica London, Roaman’s, Ellos, Swimsuits For All, KingSize, and BrylaneHome. It offers some rewards and discounts, but consumer reviews and analyses suggest the card provides underwhelming benefits compared to other credit cards. Key features include:
- $10 off the current order plus a $10 bonus reward after spending $25 on the first billing statement.
- 2 points per $1 spent, which translates to a 5% rewards rate; however, points expire after 12 months, rewards certificates expire after 90 days, and redemption is capped at $50 per billing cycle.
- Special offers like 20% off and double points during the birthday month if the card was used in the last 12 months.
- Free shipping on orders of $75 or more during four annual events.
- Buy now, pay in 90 days option.
- No annual fee.
- Easy approval for those with fair credit scores (~650).
Drawbacks include limitations on reward redemption, expiration of points and certificates, the need to shop again to use certificates, and rewards that are not equivalent to cash back since certificates cannot be used as cash or to pay down the card balance. This makes it less financially advantageous than more flexible cash-back cards like Bank of America Cash Rewards or Citi Double Cash cards. The average credit limit on the card is around $804, with an average credit score of about 660 among cardholders. Overall, the Woman Within credit card is mostly recommended only for customers loyal to the associated stores and brands. For most consumers, better credit cards exist that provide superior rewards and financial flexibility.
