Is Hot Topic credit card a decent one?

by Alex T. All You Need to Know

Hot Topic, a chain of clothing stores, appears to be popular among a large number of people. This store, along with Comenity Bank, offers a Hot Topic credit card. This store branded credit card offers a variety of rewards, and it is a must-get credit card for frequent shoppers at Hot Topic.

Unlike a large number of store branded credit cards that we have previously reviewed, this credit card can boast to have really decent rewards. Right after getting this credit card, you will enjoy 5% rewards on purchases made at Hot Topic. Moreover, you will get 6.25% reward rate after accummulating 500 points at Hot Topic, which means you need to spend $500 for that. Obviously, these are pretty decent rewards.

Apart from that, you will also get a 15% discount on your first purchase. Each year, you will receive two coupons for $20 off the purchases higher than $50, which is also not bad at all. After all, this credit card will open you access to some other rewards and early sales, which is not bad at all. That is the reason why we can recommend you this credit card, in case you frequently shop at Hot Topic.