The Levin credit card is a store credit card offered by Levin Furniture, one of the largest furniture retailers in the Midwest United States. This card allows you to finance Levin Furniture purchases over time with special financing offers.
In this complete guide, we’ll cover everything you need to know about the Levin credit card, including how it works, its features and benefits, eligibility requirements, how to apply, managing your account online, and more. Read on to learn all about this store credit card option.
How to Login to Your Levin Credit Card Account?
Levin credit card Login account allows you to view your statement balance, make payments, check your available credit, and more. Here are the steps to login online:
- Go to https://www.levinfurniture.com/ and click on “My Account” in the top right corner.
- On the login page, enter your Levin credit card number and password.
- Click “Login”. This will take you to your Levin credit card account dashboard.
- Here you can see your account details, balance, recent transactions, make a payment, update your personal info, and more.
If you’ve forgotten your password, you can reset it on the login page. You’ll need to provide identifying details like your card number, name, and ZIP code.
Levin Credit Card Requirements
To qualify for the Levin credit card, there are a few basic eligibility requirements:
- You must be at least 18 years old.
- You need a valid U.S. government issued ID.
- You must have a U.S. Social Security Number.
- You should have a regular source of income.
As a store card, the Levin credit card is easier to qualify for than major credit cards. They mainly check that you have the ability to make minimum payments. There is no minimum credit score requirement.
However, your creditworthiness may impact the credit limit extended to you. Those with lower credit scores may receive lower starting limits.
How to Apply for a Levin Credit Card
Applying for a Levin credit card is quick and easy. You can submit an application online or in-store at any Levin Furniture location.
Follow these instructions to apply for a Levin credit card apply online:
- Go to https://www.levinfurniture.com/ and click “Credit Center” at the top of the page.
- On the Credit Center page, click “Apply Now” under the Levin Credit Card section.
- This will open the online credit card application. Fill in all required personal and financial details.
- Agree to the terms and conditions and submit the application.
- You’ll receive a decision on your application within minutes in most cases. If approved, you can begin using your card immediately.
To apply for the Levin credit card at a Levin Furniture store:
- Visit any Levin Furniture store location.
- Ask a sales associate for a Levin credit card application.
- Complete the application with your personal and financial details.
- Turn it into the associate when finished and they will submit it for review.
- If approved, you will receive your new Levin credit card to use right away in-store.
No matter how you apply, make sure to have personal identification available, as well as financial information like your income source, housing payments, and debt obligations. This helps Levin make an informed decision.
Making Payments on Your Levin Credit Card
The Levin credit card requires making minimum monthly payments, just like any other credit card. Here are the ways you can pay your Levin credit card bill:
- Pay online – Login to your account and make an online payment via debit card, bank transfer, or e-check.
- Pay by phone – Call 1-866-232-7442 to make a payment over the phone using a checking account.
- Pay by mail – Send a check or money order to the payment address printed on your monthly statement.
- Pay in-store – Visit any Levin Furniture location and make a payment on your account.
- Set up autopay – You can enroll in autopay to have your monthly minimum payment automatically deducted from your checking account.
Make sure to pay at least the minimum by the due date each month to avoid late fees and interest charges. Paying your balance in full helps avoid interest.
How to Apply for a Levin Credit Card?
The Levin credit card application process is quick and straightforward, especially compared to major credit card applications. Here is what you need to know about applying:
- Pre-qualification – Levin allows you to pre-qualify by submitting basic personal details online. This soft credit check gives you an idea of approval odds before formally applying.
- Apply online – The online application takes just minutes to complete. Have your SSN, income, housing expenses, and identification info handy.
- Apply in-store – Ask for an application at any Levin Furniture store. An associate will submit it for immediate review.
- Instant decision – In most cases, you will receive an instant decision after submitting the application. If approved, you can use your card right away.
- Credit check – Levin will perform a soft credit inquiry during the application process to review your creditworthiness. This has minimal impact on credit scores.
- Lower credit scores – This card may approve those will lower credit scores than major cards, as long as you meet the basic requirements.
Overall, the pre-qualification and instant decision features make applying for the Levin card a quick, convenient process.
Levin Credit Card Benefits and Rewards
The Levin credit card offers cardholders the following benefits and rewards:
- Special financing offers – 0% intro APR and deferred interest financing available on Levin Furniture purchases.
- Levin Rewards points – Earn 5 points per $1 spent on Levin Furniture purchases. Points can be redeemed for Levin gift cards.
- Birthday rewards – Receive a $20 rewards coupon each year during your birthday month.
- Exclusive discounts – Cardholders get access to special sales, discounts, and financing offers.
- Free delivery – Enjoy free standard delivery and haul away on Levin Furniture purchases over $499.
- No annual fee – There is no annual fee to have the card.
For a store credit card, the Levin card offers robust rewards on Levin Furniture purchases. Just remember rewards cannot be earned outside of Levin.
Disadvantages of the Levin Credit Card
While the Levin card does come with benefits, there are some potential disadvantages to consider as well:
- High APR – The regular purchase APR is 25.99% variable, which is high compared to other credit cards. This makes carrying a balance expensive.
- Limited acceptance – The card can only be used at Levin Furniture store locations and website.
- Foreign transaction fee – Using the card outside the U.S. incurs a 3% foreign transaction fee.
- Late fee – There is a late payment fee of $28 if your minimum payment is not received by the due date.
- Authorized user fee – Adding an authorized user to your account costs $15 annually.
The best way to avoid the negatives is to pay your balance off each month and only use the card for Levin purchases.
Pre-Approval for the Levin Credit Card
Levin offers an online pre-qualification tool that lets you see if you may be approved without a hard inquiry on your credit report. Here is how it works:
- Go to the Levin credit card application page and click “Check Your Rate” instead of applying.
- Enter your name, address, date of birth, and last 4 digits of your SSN.
- The tool will return either a message that you may be approved, or that more information is needed.
- This is not a guaranteed approval, but gives you an idea of your approval odds before formally applying.
- You can proceed to submit a full application after pre-qualifying to confirm approval and get your card.
Pre-qualification lets you check your eligibility with just a soft credit check. There’s no impact to your credit score. Give it a try before applying!
Managing Your Levin Credit Card Online
Your online Levin credit card account offers the following features:
- Check balances – View your current balance, available credit, recent charges, statement balance, and more.
- Make payments – Securely pay your credit card bill online by debit card, bank transfer, check, and more.
- Set up autopay – Schedule recurring automatic monthly payments from your checking account.
- Update account details – Change your billing address, phone number, email, and other account info.
- Activate card – Turn on new or replacement cards and set up a custom PIN.
- Redeem rewards – View your rewards point balance and redeem points for Levin gift cards.
- Dispute transactions – Report fraudulent charges or other transaction issues to resolve promptly.
Having an online account makes managing your Levin credit card quick and convenient any time.
Levin Credit Card Customer Service
If you ever have questions about your account, you can contact Levin credit card customer service through the following methods:
Hours: Monday – Friday: 8:00am–11:00pm EST Saturday: 9:00am-8:00pm EST
Mail: PO Box 30495 Tampa, FL 33630
The Levin credit card customer service team can help with payment issues, credit line increases, applying for new cards, account management, and any other questions.
Levin Credit Card Payment Options
Levin offers several ways to pay your credit card bill each month, including:
- Online – Login to your account and pay via debit card, bank transfer, e-check, or electronic funds transfer.
- Phone – Call the toll-free customer service number and use your bank account to pay over the phone.
- Mail – Send your payment by check or money order to the address on your monthly statement.
- Levin store – Visit any Levin Furniture location and make an in-person payment on your account.
- Autopay – Set up recurring automatic monthly payments from your checking account on your payment due date.
Choose a payment method that is most convenient each billing cycle. You can pay the minimum due, a set amount, or pay in full.
Is the Levin Credit Card Right for You?
The Levin Furniture credit card is best suited for regular Levin customers who can pay off their balances monthly. Key things to consider are:
- Where you shop – The card is only useful for Levin purchases, so it works if you frequently shop there. For general spending, a cash back card may be better.
- Credit history – Levin may approve those new to credit or rebuilding credit, unlike major card issuers.
- Financing plans – The 0% APR promotions can save on financing costs for large Levin orders.
- Rewards potential – You can rack up points for Levin gift cards quickly with the 5x rewards rate.
Overall, the Levin card is a decent option for loyal Levin Furniture shoppers who pay balances off each month. Limiting spending outside of Levin and avoiding interest/fees helps maximize value.
Levin Credit Card Reviews: What People Are Saying
Here are some common themes seen in Levin credit card reviews:
- Easy approvals – Many note the simple application process and instant approval decisions. Less stringent than major cards.
- Special financing – Customers highlight the 0% interest promotions, allowing more time to pay off large purchases interest-free.
- Useful rewards – The 5x points on Levin purchases earns rewards certificates quickly that can be used for discounts.
- High APRs – Poor credit card management leads to interest charges, which accrue quickly at nearly 26% APR.
- Limited acceptance – The card is only useful at Levin, so some don’t like the inability to earn rewards elsewhere.
- Helpful service – Most mention positive experiences dealing with Levin’s customer service for card-related issues.
Overall, customer sentiment toward the Levin credit card directly correlates with spending and repayment habits. When used wisely, it earns praise, but interest and fees draw complaints.
What is the APR on the Levin credit card?
The regular purchase APR is 25.99% variable as of 11/2022. This may fluctuate based on the Prime Rate.
Does the Levin credit card have an annual fee?
No, there is no annual fee to have a Levin credit card.
What credit score is needed for approval?
Levin does not disclose a minimum credit score requirement. They review criteria like income, debt-to-income ratio, and credit history.
Can the Levin credit card be used outside of Levin Furniture?
No. The card can only be used to make purchases directly with Levin Furniture, either online or in-store.
How do I redeem Levin credit card rewards?
You can login online to your Levin account and redeem points for Levin gift cards in various denominations up to your current points balance.
Is there a Levin credit card login?
Yes. Manage your account at www.levinfurniture.com. Click “My Account” then log in with your card number and password.
Does Levin offer price matching?
Levin will match any competitor’s price on identical items. Bring proof of the competitor’s current pricing within 14 days of your Levin purchase.