Full Review

Home decor retailer Kirkland’s, in partnership with Wells Fargo, offers a credit card that allows you to earn discounts on in-store Kirkland’s purchases. Our overview / review of the card is below:

The Kirkland’s credit card can only be used at Kirkland’s stores and Kirkland’s online, but its main discount is for in-store purchases only. Before applying, ask yourself: Do I make purchases at Kirkland’s often enough for it to be worth it to open another credit line? Or would I be better off sticking with a card I already carry? The limited ability to use the Kirkland’s card is definitely something to consider.

If you are a frequent Kirkland’s shopper and think the card could be for you, it does offer some nice perks, including:

5% off purchases made inside Kirkland’s stores (but no discount for kirklands.com purchases).

A coupon for 20% off your first in-store purchase with the card.

Other discount offers throughout the year.

Now, if that sounds good to you, great. But there is one big red flag we must wave before you apply for this card. The interest rate is 28.99%!!! That is a crazy high interest rate — if you EVER carry a balance on your credit cards, avoid this one. Any rewards or discounts you receive will be essentially canceled out by the interest you pay.


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Kirkland's Credit Card Review

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Related Credit Card/Article

How to Apply For Kirkland's Credit Card
OnlineVisit the Kirkland's Credit Card website.Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.Check the information is accurate and submit your application.If you're denied click

Kirkland's Credit Card Payment
OnlineThe best way to make payments is with the online payment service, which lets you transfer money from any savings or checking account. To make your Kirkland's credit card payment online click the "Pay Online" button below to login, register, view your statement or manage your acco

Kirkland's Credit Card
Kirkland's Credit Card is a store credit card issued by Wells Fargo Bank. If you're wondering whether Kirkland's Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
Kirkland's Credit Card

The Rewards of Kirkland's Credit Card
RewardsReceive 5% off in-store purchases when you use your Card. Plus, you can combine this savings with other great deals.Get advance notice of sales, events and other special Kirkland's savings opportunities. Plus, you will be on a preferred list to receive money-saving coupons.

How to Get the Most Out of Kirkland's Credit Card
Be a frequent Kirkland's shopper