Boscov's Credit Card vs. Brooks Brothers Card

Learn why the Brooks Brothers Platinum MasterCard, with which you earn 4% in rewards (redeemable for store credit) and 15% off the entire month after you open the card, beats out the Boscov's card.

The Winner

For stylish clothes and better rewards, choose the Brooks Brothers Platinum MasterCard over the Boscov's card

If you're a loyal Brooks Brothers customer who appreciates fine tailoring and high-end clothes, you'll get the most stylish savings when you shop there with the Brooks Brothers Platinum MasterCard.

This no-annual-fee credit card gives you four points for every dollar you spend at Brooks Brothers.

That means for every $500 you spend on your card, you'll earn a $20 Brooks Brothers gift certificate.

Plus, when you sign up for the card, you'll get 15% off all purchases you make within the first month of opening the card.

A Boscov's credit card, on the other hand, only gives you 15% on the day you open your credit card.

Read on to learn about all the other valuable perks associated with the Brooks Brothers Platinum MasterCard.

Brooks Brothers Customer Base

Why You Should Consider These Store Cards

Consider these credit cards if you are a loyal Brooks Brothers or Boscov's shopper

If you're a loyal retail shopper who already spends a lot on women's and men's fashion brands, earn bonus points and score VIP sales and other perks by signing up for a store-branded credit card from one of your favorites.

You're the ideal customer for the Brooks Brothers card if you want to earn reward certificates for future purchases

Answer these questions to figure out if the Brooks Brothers MasterCard is right for you:

If you answered yes to the questions above, then the Brooks Brothers Platinum MasterCard may be a good credit card for you.

You're the perfect customer for Boscov's card if you have a Boscov's store nearby and are a frequent shopper there

Alternatively, answer these questions to figure out if a Boscov's card is right for you:

  • Are you a Boscov's fan?
  • Do you like to purchase cosmetics, fragrances, and shoes?
  • Do you live on the East Coast, specifically in Connecticut, Delaware, Maryland, New Jersey, New York, Ohio, or Pennsylvania near a Boscov's?

If you answered yes, then the Boscov's card is a good credit card to consider.

The Winner's Strengths

The Brooks Brothers card is more rewarding because it offers better perks

You'll earn 4% back on all your purchases at Brooks Brothers, plus 15% off the entire month after you open a Brooks Brothers MasterCard.

For those who love shopping at Brooks Brothers, the Brooks Brothers Platinum MasterCard is a no-brainer.

In addition to a 15% discount the entire month after opening the card, you'll also earn 4% back on all purchases at Brooks Brothers.

The rewards come in the form of four points for every dollar spent at Brooks Brothers and BrooksBrothers.com.

Every $500 you spend at Brooks Brothers will earn you a $20 Brooks Brothers rewards card to be used in-store only.

Plus, there's no annual fee.

You'll get free return shipping on web and phone orders.

And you'll even receive a $20 rewards gift on your birthday.

People love the card because of the $20 bonus for making a single outside purchase

Cardholders like Brooks Brothers' extra perks like earning a $20 rewards card for making just one purchase outside of Brooks Brothers stores with your Brooks Brothers Platinum MasterCard.

That means you can use it at the gas station, for example, within 60 days of getting the card and you'll earn $20 back.

This is in addition to earning 4% back on all Brooks Brothers purchases and 1% back on all other purchases.

Rewards Cards Customer Complaints

One (pricey) drawback: Cash advances from the Brooks Brothers card are very expensive

While you do have the option of taking out money from an ATM using your Brooks Brothers MasterCard, you'll pay a hefty 3% fee.

That's on top of 25.24% interest.

So best to avoid doing that, or consider using a credit union for your cash needs.

Counter-Argument

The Boscov's card could be a better bet if you are a loyal Boscov's shopper

When you apply for the Boscov's card, you'll get a one-time 15% discount to use that day on your purchase (maximum discount of $100).

You'll also get a birthday present and earn 100 rewards points on a single purchase during your Boscov's credit card anniversary month (but that's only worth $1!)

For frequent Boscov's shoppers, the more you use the card, the better.

Every purchase in the store will earn up to 4% back—if you spend enough there.

If you spend between $300 and $1,499 a year at Boscov's, you'll get 1% back.

Spend between $1,500 and $2,999 and you'll get 2% back.

Those who spend $3,000 or more each year at Boscov's earn 4% back in rewards.

Spend the same amount on your Citi Double Cash card, which offers a cash back rate of 2%, and you'd only save $60 versus $120.

You'll also get two points on all cosmetics and fragrance purchases at Boscov's.

Think about though, will you spend $3,000 at Boscov's? If not, reconsider the card for another.

People love the card because of its 0% interest offer around the holidays

Customers reported being offered 0% interest for six months on purchases made around the holidays on their Boscov's card.

Plus, they like getting extra coupons and advanced notice of special sales exclusively for cardholders.

The biggest customer complaint is the high spend needed to earn top bonus rewards

Customers were surprised to discover that the 4% rewards rate on Boscov's purchases only applies to those who spend $3,000 or more a year at Boscov's.

Those with smaller budgets may only get 1% back—hardly worth hauling around another credit card in your wallet.

How the Brooks Brothers Platinum MasterCard and Boscov's card stack up against each other

Brooks Brothers Platinum MasterCard Boscov's card
How high of credit score do you need?

>630

>620

Average APR?

18.99%

25.99%

Annual fee?

$0

$0

How big of sign-up bonus do you get?

15% off for the first month after opening the card

15% off on the day you open the credit card (maximum $100 discount)

How much do you need to spend to get the bonus?

n/a

n/a

How many points do you get for every dollar?

4 points for every $1 spent at Brooks Brothers

If you spend between $300 and $1,499 a year at Boscov's, you'll get 1% back.

Spend between $1,500 and $2,999 and get 2% back. Spend $3,000 or more each year to earn 4% back in rewards.

You'll also get 2 points on all cosmetics and fragrance purchases.

Any restrictions?

n/a

n/a

If you spent $100 on the card, then how much would the points be worth in dollars?

$4

Up to $4 (if you spend $3,000 or more a year at Boscov's)

How much would you need to spend on the card to make up for the fees (excluding APR/rates)?

No annual fee

No annual fee

Bonuses and Benefits

Both cards offer a one-time discount for signing up, but the Brooks Brothers' discount lasts 30 days rather than just one.

The Brooks Brothers card offers a 15% discount for purchases made within the first month of opening the card

For the entire month after opening a Brooks Brothers Platinum MasterCard, you'll get 15% off your purchases.

Purchase protection benefits. MasterCard Assist Benefits include Extended Warranty, Price Protection (for 60 days), and Identify Theft Resolution.

The Boscov's card offers a reward of 100 bonus points on your anniversary month

The Boscov's card offers a 15% one-time discount on the day you open your Boscov's Card up to a maximum savings of $100.

You'll also get 100 rewards points when you make a purchase during your Boscov's card anniversary month.

Costs and Fees

Neither card has an annual fee—but watch out for cash advance and other fees.

Steer clear of Brooks Brothers' foreign transaction fees

The Brooks Brothers Platinum MasterCard charges a 3% foreign transaction fee, so it's not the best card to take with you on a trip abroad.

This is the typical amount, but there are cards out there (including the Boscov's card) that don't charge any foreign transaction fee.

On $5,000 of spending outside the United States, that's an added $150 in fees!

Average Annual Transportation Expenses for Vacationing Households (2016)

$0 annual fees, but watch for others. While you won't pay an annual fee, you'll pay hefty late fees of up to $38 and a 5% cash advance fee.

The Brooks Brothers card does not allow balance transfers.

There's no foreign transaction fee on the Boscov's card

The Boscov's card doesn't charge a foreign transaction fee or an annual fee.

Don't be late. If you miss your payment deadline, you'll pay up to $35.

You cannot do a cash advance or balance transfer using the Boscov's card.

Customer Service

Neither Brooks Brothers nor Boscov's offers stellar customer service.

Customer service isn't one of their strengths

Customers who have the Brooks Brothers Platinum MasterCard and the Boscov's card complained about deficient and often unhelpful customer service.

Customers also specifically mentioned incurring late fees even when mailing checks ahead of time.

Key Digital Services

Wondering how many points you've racked up?

You can view your points balance when you log into each of your accounts online.

You can also pay your bill online—or set up auto-pay—on the Brooks Brothers website and Boscov's mobile app.

Set up autopay for your Brooks Brothers card

The Brooks Brothers Platinum MasterCard is managed by Citibank.

You can pay your bill by logging online on the Brooks Brothers website.

The Brooks Brothers card doesn't have a dedicated app.

Credit Card Users are Somewhat Confident with Online Data Security (2017)

Many customers prefer to set up auto-pay to prevent any late fees.

The Boscov app isn't highly rated

To pay your credit card, view your rewards balance, or redeem points for store credit, download the Boscov app on iTunes or Google Play.

The app doesn't have many positive reviews, so you may be better off paying your credit card bill online at Boscovs.com.

FAQ

  • What does each card provider offer new customers as incentives?

    When you sign up for the Brooks Brothers Platinum MasterCard, you'll get a 15% discount off any purchases within one month.

    When you sign up for the Boscov's card, you'll get a one-time 15% discount on the day you sign up for the card.

  • What does each card provider offer as ongoing incentives for loyal customers?

    You'll earn 4% back on purchases at Brooks Brothers with the Brooks Brothers Platinum MasterCard, as well as 1% on all other purchases—all in the form of store credit to be used exclusively at Brooks Brothers.

    The Boscov's Card offers you up to 4% back in store credit, but only if you spend $3,000 or more annually.

  • What are the interest rates for each card provider?

    The Brooks Brothers Platinum MasterCard's APR ranges 15.49–22.49%, depending on your credit.

    The Boscov's Card charges a 25.99% APR.

  • Does either card have an annual fee?

    No.

  • What about a foreign transaction fee?

    The Brooks Brothers Platinum MasterCard charges a 3% fee on all international purchases.

    The Boscov's card does not charge a foreign transaction fee.

  • What credit score range should you be in before applying for each card?

    You'll want to have decent credit for the Brooks Brothers Platinum MasterCard (>630) and OK credit for the Boscov's Card (>620).

    If your credit score is 600 or more, you may still be able to qualify for the store-branded credit cards, which cannot be used elsewhere and have smaller credit lines.

  • How do I apply for each card?

    To apply for the Brooks Brothers Platinum MasterCard, visit the Brooks Brothers website.

    If you'd like to sign up for the Boscov's Card, you can apply on the Boscov's website.

  • How do I cancel each card?

    If you'd like to cancel either your credit card, just call the customer service number on the back of your credit card—that way, you'll reach a customer service agent who specializes in your credit card.

    With both cards, you'll have to pay off your balance before the account can be closed.

    Be sure to redeem any rewards available before closing the account, or you risk forfeiting them.

Earn 4% in rewards with the Brooks Brothers card

Unless you're a very loyal and frequent Boscov's shopper, the Brooks Brothers Platinum MasterCard is a smart addition to your wallet, as far as store cards go.

Here's a refresher on why it beats the Boscov's card:

  • You'll earn 4% in rewards (redeemable for store credit) on all Brooks Brothers purchases.
  • You'll also get 15% discount for the entire month after you open the card and a $20 birthday reward.

For the loyal Brooks Brothers shopper, the Brooks Brothers Platinum MasterCard is a no-brainer.

If you're a loyal retail shopper who already spends a lot at Brooks Brothers or Boscov's, earn bonus points and score VIP sales by signing up for their branded credit card.

Besides the 4% back on all your purchases at Brooks Brothers, you'll get 15% off all items the entire month you open the Brooks Brothers card.

If you buy shoes, cosmetics, and fragrances at Boscov's, you earn bonus points redeemable for store credit.

Both cards offer a one-time discount for signing up, but the Brooks Brothers' discount last 30 days rather than just one.

Neither card has an annual fee—but watch out for cash advance and other fees.

Neither Brooks Brothers nor Boscov's offers stellar customer service.

Pay your bill online—or set up auto-pay—on the Brooks Brothers website and Boscov's mobile app.

Do you use the Brooks Brothers Platinum MasterCard?

How has the company worked out for you?

Any great tips (or nightmares) to share with the rest of us?

Let us know in the comments below.


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