The Shack Credit Card by Citi

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The Shack Credit Card by CitiThis review is for The Shack Credit Card by Citi. This card is the store credit card offered at Radio Shack stores. It claims to offer its customers:

  • Low minimum payments
  • In store discounts
  • Ability to manage your account online
  • Special credit promotions

The card is offered by Citi Cards, and is only available to be used at Radio Shack stores.

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The Shack Credit Card by Citi Details

The Shack Credit Card by Citi has a variable annual percentage rate that ranges between 26.99% and 28.99%. The penalty rate, which would go into effect if you missed a payment or had a payment returned, is 29.99%.

The Shack Credit Card by Citi offers a 15% instant savings on all Radio Shack Batteries when you use the card in the store. In addition, The Shack Credit Card by Citi offers a special no interest-financing plan on all purchases over $150. This promotional plan requires that you make a small minimum monthly payment of either $25 or a percentage of your total balance, whichever is higher. If you pay off the entire balance within six months, you will not pay any interest charges.

Additionally, there is a no interest, special financing plans for up to an entire year with a minimum purchase of $300 with your Shack Credit Card by Citi. This offers the same plan as the six-month promotion, just for a longer period of time.

The Shack Credit Card by Citi Benefits

In addition to the discount on batteries, The Shack Credit Card by Citi offers the ability to make payments in certain Radio Shack stores. You can also manage your account completely online, and set up automatic payments through your personal checking or savings account.

The Shack Credit Card by Citi Reviews

Unfortunately, the Shack Credit Card has not fared well with personal and professional reviews. In fact, CNN Money named it one of the worst credit cards available due to the high annual percentage rate and lack of relevant benefits and rewards, stating that 15% off batteries does not constitute a true benefit for applying for the card .

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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