Hot Topic Credit Card

Issued by Comenity Bank

Annual Fee No Annual Fee
Regular APR 26.74% (Variable)
Open-loop card or Close-loop card N/A

Additional Information

Balance Transfer Fee N/A
Purchase Intro APR Not Offered
Transfer Intro APR Balance Transfers Not Allowed
Late Payment Fee $38
Returned Payment Fee N/A
Cash Advance Rate N/A
Cash Advance Fee N/A
Foreign Transaction Fee N/A
Smart Chip No

Sign-up Bonus

15% off your first purchase with the card.

Rewards

Two $20 Off $50 shopping passes each year.

Application Requirements

Minimum Credit Score Fair
Minimum Age N/A

Credit Score

Excellent Credit N/A
Good Credit 700 — 749
Fair Credit 640 — 699
Bad Credit 300 — 639
Limited Credit Less than 3 years of credit history

How To Apply for Target Hot Topic Credit Card

1. Click the "Apply" button below!
2. Fill out the application with your personal and financial information.
3. Verify and submit your application.

Apply Now

Who Should Apply for Hot Topic Credit Card

Individuals who are frequent shoppers at Hot Topic and want to earn rewards and discounts on their purchases

People who are looking to build or improve their credit history

Fans of Hot Topic's merchandise and want to take advantage of exclusive cardholder benefits and offers

Those who are responsible with managing and paying off their credit card balances on time

Where Can You Use for Hot Topic Credit Card

The Hot Topic Credit Card can be used at all Hot Topic stores

It can also be used for online purchases at www.hottopic.com

The credit card can be used to earn rewards and discounts on Hot Topic merchandise

The Hot Topic Credit Card can be used to make payments on purchases over time with the option of flexible financing plans

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What Type of Credit Card is Best?

Choosing the best credit card isn't a one-size-fits-all scenario. Each card serves a unique purpose – some for spending, others for borrowing, travel, rewards, and more. To navigate this financial landscape, answer a few key questions to find the perfect card tailored to your specific needs. Let's unravel the credit card puzzle and discover how you can save by having the right card for the right purpose. The best credit card for you depends why you need it:

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