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Kirkland's Credit Card

Kirkland's Credit Card


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Your Rating:

3.2/5.0 from 9 Offer Ratings
Over the Past 60 Days!

(9) Over the Past 60 Days!

  • APR 28.99%
  • Late Payment Fee Up to $37
  • Returned Payment Fee Up to $37
  • Minimum Interest Charge $1.00
  • Rewards Details For every 300 points earned, $10 in rewards are earned
  • Signup Bonus Receive 15% off when you apply today


  • Click "APPLY NOW" to apply online
  • No annual fees 
  • No pre-payment penalties 
  • Easy-to-use online account management and bill
  • A 10% discount on your entire in-store purchase on the last Tuesday of the month
  • A Special Birthday offer
  • Advance notice of sales and promotions
  • Exclusive coupons and special shopping evnts

Expert Reviews

From the Editorial Team

The Kirkland's Credit Card offers many benefits for cardholders looking to maximize their home decor purchases. Frequent Kirkland's shoppers will enjoy the added perks of being a cardholder with exclusive discounts, special shopping events and more. 

Expert Reviews of the Kirkland's Credit Card

  • 1.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0


  • 4.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

The Kirkland's Credit Card combined with being a K Club Rewards Member allows 2 points for every dollar spent on purchases.

The Good

This card offers no annual fees, no fees when paying early and online management of account billing. 

The Not So Good

Steep fees could be incurred from the high APR of 28.99%.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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Overall Rating


9 Total Ratings

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1 Star

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