Quick Card Details: Quarterly certificates Earn a $5 Certificate for every $100 in Card Purchases Certificates up to $120 each year, or $3000 worth of purchases Certificates usable on sale prices, "Priced Just Right" items and with Bonus Coupons Fashion Bug Advantage, protection for up to $3000 of your debt: $1.80 for every $100 of your monthly balance No Annual Fee APR: 22.9% variable

The Fashion Bug Credit Card now offers online bill-pay, online statements, and you can manage your account online. This is very nice, since up until recently, card holders had to go to the nearest store in order to pay their bill. That was the only thing that was holding this back from being a great credit card.

There is no annual fee on the basic card, and you will earn a $5 certificate for every $100 that you spend on their merchandise. You can use these certificates in conjunction with sale prices, “Priced just Right”, and also with bonus coupons. The APR is variable at 22.9% currently. Although there is an annual fee of $25 for the Fashion Bug Premier credit card, you can get a lot more benefits. With a premier membership, you will earn $10 for every $100 that you spend on their merchandise, you will save 50% off regular priced items, 30% on clearance prices during the Premier Private Sales periodically through the year, 15% extra during special Bonus days, and you will get your choice of gifts valued at $25 just for signing up. You will also receive a $5 certificate on your birthday. However there is 1 drawback, you can only get certificates for up to $3000 per year, or $300 worth of certificates.

Fashion Bug is now offering a service that will eliminate up to $3000 of your credit card debt for various reasons, for instance if you become disabled, get laid off, or natural disasters etc. But, you must pay a fee every month for this service, it is $1.80 for every $100 of your outstanding balance every month, but it is optional. If you really like Fashion Bug, and you spend a bunch there, then this would be very profitable for you; especially with the premier membership, it’s like getting 10% cash back in Fashion Bug merchandise. I would say that the interest rate is a bit high, but if you are careful, and pay off your credit card every month, this would be no problem.