Kirkland’s Home Credit Card: Everything You Need to Know Before You Apply

If you’re a frequent Kirkland’s shopper, you may have heard about their Home Credit Card. It’s designed to give you rewards, special financing options, and exclusive offers. But is it the right choice for you? Here’s everything you need to know to decide if this card fits your needs.

What Is the Kirkland’s Home Credit Card?

The Kirkland’s Home Credit Card is a store-branded credit card issued by Wells Fargo. It’s built specifically for Kirkland’s customers, offering rewards and perks to those who shop regularly at their stores or online.

One important thing to note: this card can only be used at Kirkland’s. It’s not a general credit card you can take to other stores.

Why Would You Want This Card? Here’s What It Offers

The Kirkland’s Home Credit Card comes with several perks that make it appealing to loyal shoppers:

• Earn Rewards While You Shop
  • Earn 2 points for every $1 spent at Kirkland’s.
  • At 300 points, you’ll get a $10 gift certificate for future Kirkland’s purchases.
  • If you shop there often, these points can add up quickly.
• Special Financing for Big Purchases
  • Spend $250 or more and get 6 months of no-interest financing.
  • Spend $500 or more and you can stretch that to 12 months with no interest.
  • Important: You must pay off the full balance before the promotional period ends, or you’ll get charged interest all the way back to the purchase date.
• Exclusive Offers and Discounts
  • Get early access to sales, special events, and cardholder-only coupons.
  • Enjoy a special birthday offer as a thank-you for being a cardholder.
• No Annual Fee
  • There’s no annual fee, which makes this card low-risk for frequent Kirkland’s shoppers.

The Costs You Need to Watch Out For

While the Kirkland’s card has some nice perks, there are also a few things to keep in mind:

• High Interest Rate (APR)
  • The card has a 28.99% APR, which is significantly higher than most regular credit cards.
  • If you don’t pay off your balance in full, interest charges can pile up quickly.
• Retroactive Interest on Special Financing
  • If you don’t pay off a promotional balance in full by the end of the financing period, you’ll be charged interest on the full amount, not just what’s left.
• Late Payment Fee
  • Missing a payment could cost you up to $40 in fees.

Is This Card Right for You? Let’s Find Out

The Kirkland’s Home Credit Card is a good option for:

• Frequent Kirkland’s shoppers who spend enough to take advantage of the rewards.
• Anyone looking to spread out payments on a big purchase (like furniture) without paying interest, as long as they can stick to the payment timeline.

You might want to skip this card if:

• You sometimes carry a balance from month to month. The high APR can make this an expensive mistake.
• You’re looking for rewards you can use anywhere instead of just at Kirkland’s.

How to Apply for the Kirkland’s Home Credit Card

Getting the Kirkland’s Home Credit Card is easy:

• Online: Visit Kirkland’s website and complete the application form.
• In-Store: Ask for an application at checkout during your next Kirkland’s visit.

The card is issued by Wells Fargo, so they’ll check your credit history. Generally, you’ll need fair to good credit (a score of around 620 or higher) to get approved.

Pros and Cons of the Kirkland’s Home Credit Card

Here’s a quick summary of the good and not-so-good features:

Common Questions About the Kirkland’s Home Credit Card

Can I use the Kirkland’s credit card anywhere else?
No, the Kirkland’s Home Credit Card can only be used at Kirkland’s stores and online.

What happens if I miss a payment or don’t pay off my promotional balance?
You’ll be charged a high APR of 28.99%, and if it’s a promotional balance, you’ll owe interest on the full original amount.

How do I pay my Kirkland’s credit card bill?
Manage your account through Wells Fargo Online, by phone, or by mail.

Is there a better alternative to this card?
If you want more flexible rewards, consider a general cashback credit card like the Chase Freedom Unlimited or the Capital One Quicksilver, which offer rewards you can use anywhere.

The Bottom Line: Should You Get the Kirkland’s Home Credit Card?

The Kirkland’s Home Credit Card makes sense if you’re a loyal Kirkland’s shopper who can take advantage of the rewards and special financing. However, the high APR and retroactive interest mean you’ll need to pay off your balance on time and in full to truly benefit.

If you’re not a regular Kirkland’s customer or you prefer a card with broader rewards, you might want to explore other options.