Zulily Debuts New Private Label Credit Card

Wednesday, October 25th, 2017

Online retailer Zulily is now offering customers a co-branded credit card that allows them to pay for purchases in three monthly payments. The card, issued in conjunction with Synchrony Financial, offers Smart-pay, which gives cardholders flexible payment options.

Zulily offers an assortment of products that changes each day, and is strictly an online-only retailer, with no brick-and-mortar option. Fans of the retailer are very loyal, with about 93% of purchases made by previously existing customers. Curtis Howse, senior vice president and general manager at Synchrony Financial, said “by offering Zulily customers with a new Zulily branded payment option, we provide customers with a more comprehensive shopping experience.” He emphasized that online retailers and shoppers are always looking for “more convenient, fast, and easy ways to shop and make purchases.”

When the card initially launched, Zulily offered the first applicants free shipping on purchases for the first year they have the card.

Store cards versus cash back credit cards

Store-branded credit cards, whether they are from traditional brick-and-mortar shops or online only retailers, can be very popular with fans of a specific brand. However, they often have high interest rates and fees. Consumers who are looking for a better credit card option might be better off choosing a low APR credit card that offers cash back rewards or travel rewards, such as frequent flyer miles.

Many cash back credit cards offer low interest rates, high-value rewards, and low or no fees. A store-branded card may have an annual fee, a steep interest rate, and rewards that are only good in the store that issued the card. For greater flexibility and purchasing power, a more traditional rewards credit card is a great choice.

One thing that might cause someone to choose a store credit card is the lure of a signup bonus that offers a certain percentage off the first purchase, or free shipping for a certain amount of time. But when you add up the value of cash back rewards over time, it is often a better deal than the store credit card, which only offers rewards on the first purchase.

Cash back and travel rewards credit cards with low APRs also often give signup bonuses, such as a set number of points or miles after spending a certain amount during the first three months of having the card.

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