7
Benefits2
Reward Categories1.5x
Max Reward32.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| BoxLunch Purchases | 1.5x | Points | Purchases made at BoxLunch stores and BoxLunch.com | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Visa credit cards are accepted | No Cap |
Rewards Summary
PENDINGReward Type: Points
Bonus Rate: 5x
Categories: Purchases at BoxLunch stores and BoxLunch.com
Quarterly Rotating: No
Expiration Policy: Points expire 12 months after the date they are earned if not converted to a BoxLunch Money reward. BoxLunch Money rewards expire 45 days from the date of issuance.
Point Value: 0.05¢
Travel Portal Multiplier: 1x
Redemption Penalties: BoxLunch Money rewards expire 45 days from the date of issuance.
Benefits & Protections (Detailed) 7 Total
PENDINGLifestyle 1
Birthday Offer
Special offerReceive a special offer during your birthday month as a BoxLunch Credit Cardholder.
Shopping 6
First Purchase Discount
20% offGet 20% off your first purchase when you open and use your BoxLunch Credit Card.
Everyday Purchase Discount
15% offGet 15% off every purchase made with your BoxLunch Credit Card.
Free Standard Shipping
Free standard shippingReceive free standard shipping on every order when you use your BoxLunch Credit Card.
Exclusive Cardholder Offers
Exclusive offersAccess to exclusive offers available only to BoxLunch Credit Cardholders.
BoxLunch Rewards Point Earning
1 point per $1 spentEarn 1 point for every $1 spent at BoxLunch.com and in BoxLunch stores when using your BoxLunch Credit Card.
BoxLunch Rewards Redemption Value
$5 reward for every 100 pointsEvery 100 points earned through the BoxLunch Rewards Program (including those earned with the credit card) can be redeemed for a $5 reward.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
Cash Advance APR: 32.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The BoxLunch Credit Card typically offers an initial discount (e.g., 20-30% off first purchase) upon approval, rather than a traditional spend-based bonus. Eligibility requirements for application include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating sufficient income to meet credit obligations. Approval is subject to Synchrony's credit underwriting standards, which include a credit check.
Max Cards Per Issuer: 5
Min Spend Interval: Store cards like BoxLunch typically do not feature a traditional minimum spend interval for a bonus, as initial offers are usually applied directly to the first purchase. If a spend-based bonus were introduced, it would likely have a short fulfillment window, such as 30-90 days.
Cliff Effect Rules: Traditional 'cliff effect' rules, common in premium travel card families, are generally not applicable to store-specific credit cards like BoxLunch. However, closing the BoxLunch credit card would result in the immediate loss of all cardholder-exclusive benefits, discounts, and promotional financing options associated with the program.
Special Events: Exclusive early access to sales events (e.g., 'Hot Topic/BoxLunch Fanatics Day' previews), special cardholder-only discounts during themed promotions (e.g., Anime sales, Disney collections), birthday rewards, and bonus points events for specific merchandise categories.
Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Valentine's Day, Mother's Day, Father's Day, Back-to-School season (July-August), and various seasonal sales throughout the year.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy approval for fair credit, good discounts and rewards for BoxLunch and Hot Topic purchases, access to exclusive promotions.
Top Negative:
High Annual Percentage Rate (APR), limited use only at BoxLunch and Hot Topic, reported customer service issues, potentially tricky deferred interest promotions.
Approval Experience: 78.0 / 100
Recommended Alternatives
- Hot Topic Credit Card
- Discover it Secured Credit Card
- Capital One Platinum Secured Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $50.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0