But while the financing option is great, it’s important to make sure the credit card terms don’t end up costing you in the end (which they will if you don’t make your payments on time). Read on for Groupon Coupons’ guide on the Build.com credit card and whether it’s right for you.
Savings tip: Check out our collection of Build.com coupons for savings of up to 50% off.
What Is the Build.com Credit Card?
The Build.com Credit Card is a store card you can use to purchase supplies at Build.com and any of their network stores (see full list below).
Card Details & Benefits
- No annual fee
- Special financing available
- 25.99% variable APR on purchases
- Exclusive offers
- Free ground shipping and freight shipping
How to Apply
It’s fast and easy to apply for the Build.com credit card. Apply online (subject to credit approval).
How to Manage Your Account
You can manage your account and pay bills by registering your credit card here.
Where to Use Your Card
You can use your Build.com credit card for purchases at Build.com and any of their network stores:
Build.com Special Financing
The main benefit of using a Build.com Credit Card is that you can get what you need and pay it off within 6 or 12 months with no interest. The special financing automatically kicks in as a separate credit plan when you hit these order minimums:
- $500–$999.99: no interest on orders when paid in full within 6 months.
- $1000+: no interest on orders when paid in full within 12 months.
For orders under $500, you’ll pay a 25.99% variable APR on purchases made with the credit card.
But Be Careful Of…
You Could Have Multiple Credit Plans
Each transaction that qualifies for special financing will result in its own credit plan. And if you have multiple shipments in one transaction, that will result in multiple credit plans—all with their own required minimum payments. That can be a huge burden to keep track of each month.
You Need to Pay More Than the Minimum
Also important to note, making just the minimum payment each month won’t pay off your plan in time, so you’ll have to commit to making slightly larger payments.
You Could Get Hit With Deferred Interest
And if you don’t pay off your balance within the set time period (6 or 12 months), you’ll get hit with deferred interest charges (25.99% APR) going back to your original purchase date. That’s a big problem if you were counting on sticking to a budget.
Learn more about shopping at Build.com with our shipping, returns and customer service guide.
Is the Build.com Credit Card Right for You?
If you need to finance an upcoming project costing more than $500 (that’s when special financing kicks in), the Build.com credit card is a great option if—and only if—you can pay it off in time. If not, you’ll get hit with deferred interest charges that will cost you way more than you budgeted for.
If you don’t plan on financing big projects that cost $500 or more, the card has a fairly high variable APR of 25.99% and not enough perks to make it worth it. (The free standard shipping is nice, but you can also get that on $49+ orders without a card.)
Signing up for a new line of credit is never a decision to be taken lightly, so make sure that the rewards are worth it for the way you spend.
More Ways To Save at Build.com
- Shop items under $100 with Build.com clearance.
- Contractors can get additional discounts with a Pro Account.
- Get up to 80% off at the start of the season.
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