Why Abercrombie & Fitch Ditched Their Credit Card – And What It Means for Shoppers

If you’ve ever shopped at Abercrombie & Fitch, you may remember their branded credit card that promised exclusive perks and rewards for loyal customers. But in a surprising move, Abercrombie & Fitch decided to discontinue their credit card program in 2022, leaving many shoppers wondering why—and what’s next.

Here’s everything you need to know about the end of the Abercrombie & Fitch Credit Card and how you can still get the most out of shopping at this iconic brand.

The End of the Abercrombie & Fitch Credit Card

After years of offering the Abercrombie & Fitch Credit Card through Comenity Bank, the company decided to phase out the program. Applications for new credit cards were discontinued, and existing cardholders were informed that their accounts would be closed.

But why would Abercrombie & Fitch make this decision?

Why Was the Credit Card Discontinued?

While Abercrombie & Fitch has not publicly shared the exact reasons, industry trends offer some clues:

• Shifting Loyalty Strategies: Many retailers are focusing on flexible loyalty programs rather than store-branded credit cards, making rewards more accessible to a wider range of customers.
• Simplified Operations: Eliminating the credit card program allows Abercrombie to focus on other customer incentives without the complexity of managing a financial service partnership.
• Consumer Preferences: With rising interest rates and a preference for alternative payment methods, many shoppers now opt for general-purpose credit cards or “buy now, pay later” services.

What Happens to Former Cardholders?

If you were a cardholder, here’s what you need to know:

• Account Closures: All Abercrombie & Fitch Credit Card accounts have been officially closed.
• Outstanding Balances: Any remaining balances must be paid according to the terms set by Comenity Bank.
• Customer Support: If you have questions about your former account, you can contact Comenity Bank customer service at 1-800-695-9583.

How Shoppers Can Still Save at Abercrombie & Fitch

Even without a credit card program, Abercrombie & Fitch offers plenty of ways for customers to score rewards and exclusive deals:

1. Join the Loyalty Program

Abercrombie & Fitch’s loyalty program is a free, accessible way for all shoppers to earn points on every purchase. Members enjoy perks like:

• Early access to sales.
• Special discounts.
• Personalized offers and rewards.

Take Advantage of Seasonal Promotions

Abercrombie frequently runs seasonal sales, flash deals, and clearance events.

Use Alternative Payment Options

Consider these popular options for financing your purchases:

• General Credit Cards: Many offer cashback or rewards for retail purchases, allowing you to save while shopping at Abercrombie.
• Buy Now, Pay Later Services: Third-party providers like Klarna and Afterpay let you split payments into smaller installments, often with no interest.

The Bigger Picture: What This Means for Retail Shoppers

The end of the Abercrombie & Fitch Credit Card reflects a broader shift in how retailers engage with their customers. More brands are moving away from exclusive credit card programs and instead investing in flexible, inclusive loyalty strategies. This change makes it easier for shoppers to access perks without the burden of managing a store-branded credit account.

For Abercrombie fans, this means fewer hoops to jump through to get discounts and rewards. By leveraging the loyalty program, seasonal sales, and modern payment options, you can still shop smart and save big.

Conclusion

While the Abercrombie & Fitch Credit Card is no longer available, the brand has adapted to meet changing shopper preferences. By offering a robust loyalty program and regular promotions, Abercrombie ensures customers can still enjoy the rewards they love—without the need for a credit card.

• So, if you’re missing the old credit card perks, don’t worry. Abercrombie’s loyalty program and alternative savings options are here to make your shopping experience just as rewarding!