Is West Elm credit card really so beneficial?

by Alex T. All You Need to Know

In many aspects, the West Elm credit card seems like a really great option for many people who tend to buy furniture at this chain of stores. Yet, there are certain aspects you must be aware before getting this credit card from West Elm. We will consider those aspects in this West Elm credit card review.

Indeed, this credit card comes without an annual fee and requires only a fair credit to get it. Moreover, it promises to reward the customers with 10% cash back rate on purchases made at West Elm. Apart from that, this credit card offers a welcome bonus of $50 (which is really nice from a store credit card), birthday coupons, and promo financing.

Yet, you must keep in mind that these are not real cash back rewards. You can redeem only 10% of those rewards into real cash back - other points can be used only against purchases at West Elm. Moreover, we wouldn't recommend you to take advantage of the promo financing, whereas it has quite misleading conditions.