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Gordmans Credit Card Review: Is this Card Right For You?

Tom Broucksou
Updated on: 05/08/2018
RE®: 68
Our Rating
Gordmans Credit Card
Compare Shopping Cards
For excellent/good credit
  • 68
    for Gordmans Customers
  • 71
    for Cash Rewards
  • 65
    for Everyday Use

"Enjoy exclusive discounts and rewards at Gordmans department stores."

Gordmans, a popular discount department store chain in the Midwest, offers its own co-branded credit card. While the Gordmans card has some benefits that loyal customers will find appealing, it’s definitely not for everybody.

The credit card and the rewards you’ll earn with it can only be used at Gordmans, which severely limits the usefulness of the card. It won’t be anybody’s primary card, but it may still have a place in a frequent Gordmans shopper’s wallet.

Through the Gordmans Rewards program, you’ll effectively get 5 percent back on every purchase if you have the credit card. Without the card, program members get half that return at 2.5 percent back.

That’s not bad, but you may be better off double dipping with a standard cashback credit card that earns at least 1.5 percent. You don’t have to have the Gordmans card to join, so you’ll also earn at a decent rate through the rewards program.

While using that strategy will earn less than the outright return with the Gordmans card, the cashback rewards will be a lot more flexible. Of course, that may not matter to you if you shop and spend a lot at Gordmans.

In addition to the double rewards, you’ll get a one-time discount when you sign up for the card and an annual discount on your birthday. The Gordmans card has no annual fee.

Gordmans Credit Card Features and Benefits

Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Gordmans Credit Card offers and the value of the Comenity Gordmans Rewards points you earn.

Bonuses

The Gordmans credit card isn’t the most feature-rich card available, but it does come with a few money-saving perks.

As a sign-up bonus, you’ll get 15 percent off the day you’re approved for the card. So, the best time to get the card is if you’re in the store and about to make a big purchase. You’ll also get a 20 percent discount on your birthday.

Standard Gordmans Rewards program members earn one point for every $2 spent, but cardholders get 2 points per dollar. Every 100 points you earn can be redeemed for $5 in Gordmans purchases. That’s a 5 percent return at Gordmans, which isn’t bad.

What You Get

  • 2 Gordmans Rewards point per dollar spent
  • 15% off your first day’s purchases after applying for the card
  • 20% off coupon on your birthday
  • $5 reward for every 100 points earned
  • No annual fee

Points must be redeemed in 100-point increments, which are worth $5 at Gordmans. Points don’t expire as long as your rewards account remains active.

In-Store Financing

The Gordmans credit card does not offer any special financing. You’ll receive the standard 24.99% APR on all purchases.

If you need help financing a big purchase at Gordmans, considering getting a cashback card that has a 0% promotional APR period. Those cards will give you up to 18 months of interest-free financing if you make a purchase within a certain time period after opening your account. Offers differ from card to card, so be sure to read the terms and conditions before applying.

Customer Perks

Anyone can join the Gordmans Rewards program, but only card members will earn at the rate of 1 point per dollar spent. All other members will get one point for every $2 spent. The other cardholder perks are a one-time discount of 15 percent when you open an account and an annual birthday coupon for 20 percent off.

Everyday Earnings with Gordmans Credit Card

You can only use the Gordmans card for making purchases at Gordmans stores. As a cardholder, you’ll get twice the points in the Gordmans Rewards programs. You’ll get 2 points per dollar spent, instead of one point per $2 spent.

Gordmans Credit Card Rewards

Your Monthly Charges
Rewards You Will Earn Annually
48,020points$480in dollar value
All Other Purchases
2points/$1

While most items in Gordmans will earn points, including sale and clearance items, certain items and transactions do not. They include gift cards, gift wrap, greeting cards, food, bottled water, chartable donations, shipping fees, tuxedo rentals, magazine subscriptions, credit card payments, purchases from affiliates featured in the store and sales tax.

What is the Value of Gordmans Credit Card

The points you earn with the Gordmans credit card can only be redeemed for certificates that can be used to make purchases at Gordmans. You’ll earn 2 point per dollar spent, and each point is worth five cents in Gordmans purchases. That’s a 5 percent return, which isn’t bad.

You can only redeem in 100-point increments, which are worth $5.

Earned Points
100 points
Examples
$5 certificate for 100 points
Average CPP
5.00cpp
Dollar Value
$5

What is CPP and How is it Calculated?

Cents Per Point (CPP) is a way to measure the value of points. It tells you how many cents you get for each point you redeem by dividing the cash price of the hotel room by the number of points of an equivalent award stay costs. This can be a somewhat subjective calculation because the price of the stay in both cash and points fluctuates by season and availability.

Should You Get the Gordmans Credit Card?

If you’re an avid Gordmans shopper, the Gordmans credit card might be worth getting. While the card and its rewards can only be used at Gordmans, you will effectively earn 5 percent back on purchases. Standard cashback credit cards have a lot going for them, but they won’t earn that kind of return at Gordmans.

As a cardholder, you’ll also get a one-time bonus of 15 percent off and an annual 20 percent discount on your birthday. That can add up if you make a big purchase at the store at least once a year.

The card has $0 annual fee, but it also doesn’t offer special financing or any other perks, discounts or benefits. It’s a limited card, but it can save you money at Gordmans because you’ll earn twice the points through the store’s rewards program.

Alternatively, you could join the rewards program without getting the Gordmans card and use a standard cashback card for your purchases. You would still earn some rewards with the store, but also receive valuable cash back that can be used for anything. All of your earnings won’t be tied to just one store.

In short, if you often shop at Gordmans, it might be worth getting the card for the increased rewards you’ll earn at the store. It’s free to hold and the 5 percent return isn’t bad. Otherwise, get a standard cashback card and start earning money back for all of your purchases, wherever you make them.

FAQs

Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • Do I have to have the Gordmans credit card to join the rewards program?

    You do not have to have the credit card to join the Gordmans Rewards program. Without the card, you’ll earn one point for every $2 you spend at Gordmans. With the card, you’ll earn four times as much, or 2 points per dollar.
    Card members will automatically be registered for the program. If you don’t have a card, you can register online or in store. In order to credit points to your account, you’ll need to either use your Gordmans card to pay for your purchase or enter your phone number at the register.
    After earning 100 points, you can redeem them for a $5 certificate that can be used at Gordmans. There is no limit on the maximum number of points you can redeem at once, but you cannot redeem less than 100 points.
    That works out to a value of five cents per point if you have the Gordmans credit card and 2.5 cents per point without it. Either way, you’re getting a decent return on your spending at the department store.
  • How can I pay my Gordmans credit card bill?

    You can make a credit card payment at any Gordmans store, by calling 800-743-8730, by mail or online. If you create an online account with Gordmans, you will be able to pay your bill, view monthly statements, change your contact information, sign up for paperless billing and more. You can even access your account through your mobile device.
  • Are there limits on the amount of rewards I can earn?

    There are caps on the value of the rewards you can earn via the Gordmans Rewards program. They apply equally to both cardholders and standard members.
    You can earn a maximum of $500 in rewards for any single transaction. That works out to a $10,000 purchase for cardholders and $20,000 for standard members, so it’s unlikely anyone would hit that limit.
    There’s also a limit of $5,000 in rewards per year. Again, that works out to quite a lot of spending: $100,000 for card members and $200,000 for standard members. That probably won’t be an issue for most members.
  • What can I buy with my rewards certificate?

    Rewards certificates earned through the Gordmans loyalty program can only be used to make purchases at Gordmans. Most items are eligible for payment with a certificate, though there are a few exceptions. They include charitable donations, payment of store credit card bills, price adjustments on previous purchases and gift cards.
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Compare Cards in the Same Lineup

Gordmans isn’t your only option when it comes to budget department stores. Target, TJ Maxx and Walmart offer store-branded credit cards, too. None of those cards charge an annual fee. Let’s compare them to the Gordmans card.

Target REDcard™ Credit CardTarget REDcard™ Credit CardWalmart® MasterCard®Walmart® MasterCard®TJX Rewards® Platinum MasterCard®TJX Rewards® Platinum MasterCard®
Sign-up bonus0 cashback0 points$250 points
Annual Fee

$0

$0

$0

$0

APR On Purchases24.40% Variable±28.49% Variable±18.15% to 24.15% Variable±28.49% Variable±
Foreign Fee0%0%3%0%
Bonus Value$0$0$25$0
Second Year Value$0$480$240$240

The Target REDcard is similar to the Gordmans card. It can only be used at Target, and its main benefit is a 5% discount on all purchases every day..

While the rewards you earn with the Gordmans card require you to go through a program to redeem for a store certificate, it effectively offers cardholders 5 percent back. The Target card is simpler, offering an instant 5 percent discount at the register.

The Target card comes with a few other perks, too. You’ll get an extra 30 days for returns, free shipping for online purchases and early access to special sales, events and product promotions.

Target also gives cardholders occasional promotional discounts and a 10 percent off coupon on your birthday. Unfortunately, there is no sign-up bonus.

The TJX Rewards card from TJ Maxx is issued as a MasterCard, so you can use it anywhere. You’ll earn 5 points per dollar spent at TJ Maxx and its family of stores, including Marshalls, HomeGoods and Sierra Trading Post. All other purchases earn 1 point per dollar.

You can redeem 1,000 points for a $10 certificate that can be used at TJ Maxx. That works out to a value of one cent per point. While that’s less than you’ll get with Gordmans points, TJ Maxx purchases effectively get the same rate of 5 percent back since you earn more per dollar.

It’s nice to be able to use the card outside of TJ Maxx and its family of stores, but earning just 1 percent back for those purchases isn’t great.

The Walmart card is also issued as a MasterCard. It has a strange earning scheme, whereby you’ll get 3.0 percent back for online purchases from Walmart, but only 1.0 percent back for actual in-store purchases. Fuel purchased from Murphy USA and Walmart Gas earns 2.0 percent back. All other purchases earn at the base rate of 1.0 percent.

This is essentially a cashback card, which means your rewards are automatically redeemed as statement credits. That gives you a bit more flexibility since you won’t have to use your earnings for purchases at a specific store.

Obviously, you should get the card for the store that you shop at the most. However, the Target card’s instant 5 percent discount at the register is notably less hassle than saving points and receiving certificates that can be redeemed for purchases.

The Walmart MasterCard may seem even more appealing at first glance, but the strange earning scheme that offers a bonus for online purchases only limits the value of the card.

Some Alternative Cards for Gordmans Shoppers

There are a lot of credit cards on the market. Before you apply for a store-branded card, you should consider a standard cashback card. They’re typically more flexible and more rewarding. Let’s take a look at a few of your options.

15 offfirst purchase
Gordmans Credit Card

Check if Gordmans Credit Card is the best option for you

Best Cashback Card

You could potentially earn more with a card that offers a fixed-rate of return for all purchases. Among those types of cards, the Citi Double Cash is king. Instead of earning the standard 1.5 percent back on all purchases, you’ll get 1.0 percent. No other fixed-rate cashback card offers that.

The catch is that you have to pay off your bill to earn that much. You’ll get just 1 percent back when you make a purchase, but you’ll earn the other 1 percent after paying off your bill. That’s still a great deal, but if you tend to carry a balance on your credit card, this might not be for you.

Best Rotating Category Card

Like the Gordmans card, the Discover it card offers 5.0 percent back. However, only certain purchases qualify for that bonus. All other purchases earn just 1.0 percent back.

Every four months, Discover switches to a new category of purchases that earn 5.0 percent. They change from year to year, but typically include popular spending categories, such as gas stations, wholesale clubs, grocery stores, restaurants and more.

There is one more caveat; earning at the bonus rate is limited to $1,500 in purchases a quarter. While that sounds bad, you’ll get a total of $300 in cash back on just $6,000 in spending if you max out the bonus categories for the year.

There are a few more things that make Discover exceptional. First, they will match all of the cash back you earn during your first year as a card member. You won’t get the satisfaction of earning a quick sign-up bonus, but the Cashback Match can easily be more valuable.

If they offer a welcome bonus at all, most cashback cards max out at $150. With the Discover’s match, you’ll earn based on what you spend, with no limits. If you spend just $3,000 in bonus categories, you’ll hit that $150 mark. Anything over that and you’ll be ahead of the game.

If you max out those bonus categories and get the full $300 in cash back, Discover will give you another $300, for a total of $600 back for just $6,000 in spending. That’s a fantastic 10.0 percent return, which is unheard of in the world of cashback cards.

You’ll also effectively get 2.0 percent back for all other purchases. That’s the best rate you’ll find for a fixed-rate card that doesn’t offer any other bonuses, making the Discover it card truly unbeatable for the first year.

The other thing that helps Discover stand out above the pack is its security. All credit card companies will monitor your account for unusual activity and lock it if something suspicious happens. But Discover goes above and beyond that, offering free identity theft monitoring, something you won’t find with other cards.

Discover will monitor thousands of risky sites on the dark web for the illegal use of your Social Security number. That’s where thieves exchange information that’s used to open credit lines and accounts in other people’s names. If they find something, they’ll let you know immediately.

Discover also checks your Experian credit report daily. If any new accounts are opened in your name, like a mortgage, car loan or credit card, they will notify you and work with you to resolve the issue. That’s unparalleled protection from a credit card issuer.

There’s one last perk. You’ll get 14 months of 0% APR on both purchases and balance transfers. Once again, that’s a good way to pay down some debt. It’s also a great option if you have a big purchase coming up that you want to pay off over time.

Get the Biggest Bonus

A few no-fee cashback cards offer a sign-up bonus to new members. The Blue Cash Everyday card from American Express is one of them.

You’ll get an easy $150 after spending $1,000 within the first 3 months. That’s great if you need a quick infusion of cash.

The card also offers some excellent cashback rates for certain categories of purchases. If they fit your spending habits, you can earn a lot with this card. You’ll get 3.0 percent back on the first $6,000 you spend at supermarkets per year, an unlimited 2.0 percent back at gas stations and select department stores and 1.0 percent back for all other purchases.

And since this card’s an American Express, you’ll get access to the issuers celebrated benefits and customer service, including complimentary rental car insurance, the Global Assist hotline, roadside assistance and travel accident insurance.

This Amex comes with 0% intro APR on purchases and balance transfers for 15 months, making it another great option for paying down debt or financing a big purchase.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details
Recommended Credit Score:
270+
Issuer
Comenity Capital BankComenity Capital Bank
Rewards Currency
Gordmans Rewards Points

Card Terms and Conditions

While it's easy to focus on the benefits of the Gordmans card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this store credit card.

Purchases

Intro APR:
N/A
Intro APR for balance transfers:
N/A
Ongoing APR:
28.49% Variable±
Minimum Grace Period:
See Terms and Conditions

Cash Advance Features

Ongoing APR:
See Terms and Conditions
Cash Advance Fee:
See Terms and Conditions

Security and Protections

The Gordmans card comes with some basic security features.

Account Monitoring:
If there is any unusual activity on your account, it will be locked and you will be notified immediately.
Zero Liability:
You will never be responsible for any unauthorized purchases charged to your account.
Online Access:
Monitor your balance, pay your bills and track your rewards from your mobile device or computer.