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buybuy BABY Mastercard
buybuy BABY Mastercard
Earn Rewards or Special Financing
- Regular Purchase APR 16.99%, 20.99% or 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.24% variable based on the Prime Rate
- Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good
- Processing Network Mastercard
- Earn 5% back in Rewards for every $1 spent at buybuy BABY® and their family of brands
- Earn 2% back in Rewards for every $1 spent at gas stations and grocery stores
- Earn 1% back in Rewards for every $1 spent anywhere else Mastercard® is accepted
- Earn rewards OR special financing
- 6 month special financing when you spend $250–$499.99 at buybuy BABY® and their family of brands
- 12 month special financing when you spend $500 or more at buybuy BABY® and their family of brands
- No Annual Fee
- Regular Purchase APR: 16.99%, 20.99% or 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
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At a Glance
The buybuy BABY® Mastercard® is a rewards credit card built for anyone who shops at buybuy BABY® and their family of brands. Such brands include Bed Bath & Beyond and Harmon Face Values. If you’re entering parenthood, the buybuy BABY® Mastercard® may be an excellent credit line to use when you embark on a family journey with your baby. Cardholders will benefit from the potential to earn up to 5% back in Rewards for every $1 spent at buybuy BABY® and their umbrella of brands, as well as gas stations and grocery stores.
Ideal for Those Who:
- Have a new baby or one on the way
- Plan on shopping at buybuy BABY® stores and their family of brands on a regular basis
- Want to earn Reward Dollars on all their purchases
- Are interested in special financing for budget-friendly purchases
- Want a credit card for their purchases without the added expense of an annual fee
buybuy BABY® Mastercard® Credit Card Review
The buybuy BABY® Mastercard® credit card has got you covered for everything baby, home, health, and beauty. Earn up to 5% back on every $1 spent when you use the card to make purchases at buybuy BABY®, Bed Bath & Beyond, and Harmon Face Values. Additionally, earn 2% back in rewards for shopping at grocery stores and gas stations, plus 1% back everywhere else Mastercard is accepted. Also, get a chance at special financing for your larger purchases at any of the family brands.
Earn 5% Back in Rewards
With parenthood comes a budget for your baby’s needs and more. No matter what that budget is, you might as well earn 5% back in Rewards while doing your best parenting. With the buybuy BABY® Mastercard®, customers can earn 5% back on every $1 spent at buybuy BABY®. The purchases made with your buybuy BABY® Mastercard® will earn you Reward Dollars that you can later use as store credit for your future purchases. Note that your earned Reward Dollars do expire at the 4-year mark.
You can also earn 5% back on every $1 spent at the family brands – Bed Bath & Beyond and Harmon Face Values. The family brands give cardholders a wide range of options to potentially earn 5% back on their purchases for more than just baby-related transactions – like home, beauty, and health.
Bed Bath & Beyond alone has various categories to shop from, such as kitchen goods, storage, luggage, home décor – the list goes on. Whereas Harmon Face Values has more of the drugstore kind of merchandise. For example, shoppers can find health and beauty products, hair care, travel products, etc. All the essentials available at these stores have the potential to earn you 5% back on your purchases.
You can also redeem Reward Dollars for Bed Bath & Beyond Reward Certificates, which expire 180 days from the issue date. For every $10 Reward Dollars you earn, you will receive a $10.00 Reward Certificates. Reward Certificates are issued in increments of $10, with a maximum of $50, excluding Harmon Face Values, which has a maximum of $20. There’s a limit of 20 Reward Tickets per purchase.
Earn Rewards at Gas Stations and Grocery Stores
The rewards are not limited to the family stores, however. You can earn cash back when you use the buybuy BABY® Mastercard® Credit Card in your everyday life. Specifically, cardholders will also earn 2% back in Reward Dollars at grocery stores and gas stations for some added value.
As a human species, we all must eat, so buying groceries may be inevitable. If you’re averaging about $380 a month in groceries, you could be earning over $90 back in rewards annually. And when you stack your Reward Dollars with the ones you will gain at the gas pump, you could be accumulating more each year for expenses you were planning to have already.
Additional to the 5% back at the family of brands and the 2% back at gas stations and grocery stores, you will earn 1% back in rewards for every $1 spent anywhere else Mastercard® is accepted. This allows the buybuy BABY Mastercard added flexibility beyond shopping at specific stores or retail categories.
It’s important to note a closed-loop version of this card is also available and can only be used for buybuy BABY® purchases. On the other hand, with the Mastercard version of the card, you have the flexibility to shop anywhere Mastercard is accepted and still earn Reward Dollars for those transactions.
Get Special Financing
Cash back rewards are always appreciated, but this card also includes special financing for your larger purchases like cribs and travel systems – e.g., strollers and car seats. Get the flexibility you need and use the special financing at any of the buybuy BABY® umbrella brands. Enjoy the freedom of also financing big-ticket purchases at Bed Bath & Beyond and Harmon Face Values.
But there is a catch! When it comes to earning rewards and financing, you can only choose one or the other. If you decide on using the special financing option, your purchase will not earn rewards. If earning rewards for your large ticket item isn’t as important as financing a hefty-priced purchase over several months, this may not be a deal-breaker. After all, special financing may help with budgeting family expenses.
How it works
Your spend amount determines the financing length of time. Six-month financing is available for a minimum purchase total of $250. The 12-month financing is available for a minimum spend of $500. Being a parent comes with often unexpected costs, and financing can benefit your family budget by creating smaller payments for those costlier items.
Should You Apply for the buybuy BABY® Mastercard® Credit Card?
If you have a baby in your life or one on the way, the buybuy BABY® Mastercard® may be an excellent choice if you plan on shopping regularly at buybuy BABY® stores, including their related brands Bed Bath & Beyond and Harmon Face Values. Earn rewards for all your purchases at the family stores, in addition to purchases at gas stations, grocery stores, and more. Among the benefit of earning Reward Dollars for all your baby and home needs, it’s worth to mention you have the opportunity to use special financing (without earning rewards), which can help keep your purchases budget-friendly. Overall, to earn max rewards, the buybuy BABY® Mastercard® can be the perfect fit for new parents with plans to shop at buybuy BABY® stores and their family of brands.