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Are you a salon professional looking to take advantage of the Salon Centric Credit Card but wondering if it is worth it?

This comprehensive analysis of the Salon Centric credit card reviews its benefits and drawbacks to help you understand if it is the right choice.

Key Takeaways:


What is SalonCentric?

in the United States. They are headquartered in St. Petersburg, Florida, and currently operates in 48 states across the country.

 

They not only avail the best brands to the salons and barbershops across the country but also offer classes with some of the best education in the field and organize events related to the salon industry. In essence, they become a business partner in your salon business.

 

Salon Centric Credit Card

Comenity Bank, which is a bank specializing in offering credit cards to merchants of a retail store brand by collaborating with various partners, has also partnered with SalonCentric to offer a customized credit card called the Salon Centric Credit Card tailor-made for salon professionals who are looking to buy professional (pro) supplies for their salons and barbershops.

It is an extremely valuable tool for licensed beauty professionals who regularly shop at SalonCentric stores or online stores.

Bread Financial, a fintech service, is integrated with Comenity to offer cardholders personalized payment, lending, and saving solutions.

Perks and Benefits of the Salon Centric Credit Card

Salon Centric Credit Card benefits are as follows:

1. Features and Attractive Offers

  • If you run into any costs or expenses regarding your professional supplies that are unplanned, then it is covered by this card to enable smooth operations.

  • They offer special financing options on purchases of $500 or above.

  • All the expenses incurred for all the pro purchases are collated in one place, which helps the salon manage its expenses much more efficiently.

  • It also helps ensure that the inventory, supplies, and equipment are always readily available so that your growth is not hindered.

  • It offers automated customer care 24×7 throughout the year.

  • It offers Fraud Protection, Paperless Statements, and a dedicated dashboard to manage your credit card and related payments.

  • The card further offers cardholders attractive options, exclusive promotions, and money-saving opportunities.

2. Earn Back Offer

  • Earn as much as 4% back in rewards when you make pro purchases using the SalonCentric card.

  • For every 250 points earned, you will earn back $10.

3. Education Courses by Salon Centric

  • Through continuous learning, salons must update themselves with trending techniques and beauty care services.

  • SalonCentric offers various course opportunities with Salon Centric Education Classes on hair coloring, makeup, or dermatological treatments.

  • SalonCentric Credit Card offers attractive discounts for these classes.

  • Get a 20% discount on all these classes when purchased with this card.

 

SalonCentric Credit Card Education Page
Source: Screenshot from www.saloncentric.com

 

4. Special Events organized by Salon Centric

  • SalonCentric also organizes various special events related to the salon industry, such as concerts or beauty shows.

  • It is a great opportunity to network and expand your knowledge.

  • With this card, you can earn up to 5% discounts on these events.

 

Salon Centric Credit Card Events Page
Source: Screenshot from www.saloncentric.com


5. Discounts on Products

  • For any business, saving or reducing costs is an important factor as it directly affects the profit margin. Salon owners can also increase their margins with discounts on their professional beauty products.

  • Salon Centric Credit cards offer exclusive discounts for pro purchases, including an extra 5% off brand shop.

6. Access to Sales and Promotions

  • SalonCentric offers sales and promotional offers for future purchases throughout the year to its credit card holders.

  • They notify the merchants via email about their upcoming offers so that the merchants can plan their pro purchases accordingly.

7. Hassle-free Application Process

  • SalonCentric’s process to apply for a credit card is simple.

  • You can apply either in-store or online through their website.

  • The approval is usually offered immediately after your application is submitted.

  • It takes about 7 to 10 business days to deliver your card post-approval.

8. Zero Annual Fees

  • One of the negative aspects of credit cards is annual fees which often act as a deterrent to getting them.

  • Salon Centric credit cards charge no annual fees, which boosts the merchants as they don’t have to worry about additional maintenance costs.

9. Dedicated Mobile App

  • A good dedicated mobile app is necessary nowadays as most people prefer to check things on the go.

  • Salon Centric credit card offers a dedicated mobile app to check all the payment details, such as pending payments, payment history, and balance.

  • It also enables you to redeem your points through the app.

Salon Centric Credit Card Drawbacks & Shortcomings

1. Functionality is Limited

  • Salon Centric Credit Cards are specially designed for merchants to buy professional supplies for their salons and barbershops.

  • You cannot use it anywhere else.

  • If you want to buy things at other retail or online stores, there are better cards for you than this as it is limited to purchases from their stores only and not online purchases.

2. Interest Rates are extremely High

  • Salon Centric charges a hefty interest rate at 27.99% APR which is quite high compared to the average APR of 18% to 23% for other credit card companies.

  • It is imposed if payments are not made within 25 days from the close of the billing period.

  • The minimum charged interest is $2.

3. High Late & Returned Payment Fees

  • If the Minimum Payment is not made within the Due Date, then Salon Centric charges a hefty late of a minimum of $30 and can go up to $41.

  • It also charges a Returned Payment Fee if you make a payment that doesn’t go through. It also varies from $30 to $41.

4. Rewards and Redemption are Restricted

  • Since SalonCentric credit cards are focused on salon-related activities, their rewards and bonuses are also related to salons and barbershops only.

  • You can avail of discounts on educational classes or events related to the salon industry offered by SalonCentric.

  • If you want to avail rewards and bonus points for other uses such as travel rewards, lounge access at airports, or booking hotels, choose some travel or business credit cards. This one is not for you.

5. Requires a good Financial Profile

  • As a Salon Centric credit card is meant for merchants to make pro purchases, a good financial profile is mandatory to approve your application.

  • A strong credit history with a minimum credit score of 650 or above is required for your application to pass the approval stage.

Salon Centric Credit Card Application Process

Follow the steps:

Step 1: Go to their website and click the “Apply” button.

Salon Centric Credit Card Home Page
Source: Screenshot from www.saloncentric.com


Step 2:
Then, once on the Application page, click on the “Apply Today” button

Salon Centric Credit Card Application Page
Source: Screenshot from www.saloncentric.com


Step 3:
This is a sub-step. You need to be a SalonCentric customer, as you will need to register your account. If you are a new user, go to the registration page to enter your customer id and register your email address and password.

Step 4: Once the login page opens after clicking on the “Apply Today” button, enter your account email address and password to log in to your account.

Step 5: Apply for the Salon Centric credit card and enter the information as requested to complete the application process.

Step 6: Once the application is reviewed and approved, it will take another 7-10 business days to deliver your credit card.

Note: All applications are subject to credit approval by the lending partner.

Registration Process for Online Access to Salon Centric Credit Card Account

Follow the process to register for the Salon Centric Credit Card Account.

Step 1: Go to their website and click the “Register Now” button on the top right.

Step 2: As the registration page opens, enter the following information.

      • Credit Card Account Number
      • Choose Identification Type (Select from Drop Down Menu with three options 1. Social Security Number or SSN, 2. Social Insurance Number or SIN, and 3. Alternate Identification)
      • Enter the last four digits of the Identification Number Chosen (SSN, SIN, or AIN)
      • Zip Code or Postal Code

Note: You can also fill out the online form and mail it to them to complete the registration process.

Salon Centric Credit Card Registration Page with Form
Source: Screenshot from www.saloncentric.com



Step 3: Click “Find My Account” and then complete the process to register your Salon Centric credit card account.

Salon Centric Credit Card Sign In

Follow the steps:

Step 1: Go to the home page and click on the “Sign In” button at the top.

Salon Centric Credit Card Sign In Page
Source: Screenshot from www.saloncentric.com


Step 2:
Enter the username and password that you registered with.

Step 3: Click the “Sign In” button to enter your account dashboard.

How to Activate Your Salon Centric Credit Card?

Follow the steps:

Step 1: Go to the home page and click the “Activate Card” button on the main menu bar.

Salon Centric Credit Card Activation Page with Form
Source: Screenshot from www.saloncentric.com

Step 2: You need to enter the following information about the cardholder to activate a new or existing credit card.

      • Credit Card Account Number
      • Expiration Date (MM/YY)
      • Choose the identification type from the drop-down menu with the following options – Social Security Number or Social Insurance Number, or Alternate Identification Number (SSN, SIN, or AIN)
      • Last Four Digits of the ID Chosen (SSN, SIN, or AIN)
      • Zip Code or Postal Code

How to pay your Comenity Credit Card Bill?

Follow the steps:

Step 1: Go to the Salon Centric Credit Card home page.

Step 2: Click on the “Easy Pay” button.

Salon Centric Bill Payment Page via Easy Pay with Form
Source: Screenshot from www.saloncentric.com



Step 3: As the Easy Pay page opens, enter the following info

      • Credit Card Account Number
      • Zip Code or Postal Code
      • Choose the identification type from the drop-down menu with the following options – Social Security Number or Social Insurance Number, or Alternate Identification Number (SSN, SIN, or AIN)
      • Last Four Digits of the ID Chosen (SSN, SIN, or AIN)

Step 4: Once the information is entered, click “Find My Account” to open your dashboard to access the online account management options. You can check your pending bills here, which can be paid through online payment.

Note: You can set Automatic Payments for all your pending expenses to be charged from your credit card.

Eligibility Criteria

  • It would help to have a good financial profile with a decent credit score of 650 and above. People with bad credit scores may be rejected.

  • You need to be a SalonCentric customer, having purchased from their stores with a valid customer ID mentioned in the bill to apply for the Salon Centric credit card.

  • If you are a salon professional, such as a beautician, hairdresser, or nail technician, you need your professional and driver’s licenses at the time of registration.

Salon Centric Credit Card Customer Service

If you need to speak directly to the customer service executives, call them at 1-877-250-9215. They are available Monday-Friday between 7:30 am – 8:30 pm EST. Please note that they are closed on all major holidays.

You can also send them a text with your query at 1-727-369-4401.

Alternatively, you can reach them via email by filling out their online form.

Where can the Salon Centric Card Be Used?

The Salon Centric Card is a shopping credit card that can be used either online or at the following stores now:

  • Plano Store: 930 W. Parker Rd Suite 510 Plano, Texas 75075
  • McKinney Store: 1600 W. Louisiana Street #500, #600, McKinney, TX 75069
  • 930 West Parker Road, Suite 10, Plano, TX 75075
  • 1600 West Louisiana Street, #500, #600, McKinney, TX 75069
  • 701 East Front Street, Butte, MT 59701
  • 164 Richardson Crossing, Arnold, MO 63010
  • 14073 Manchester Road, Ballwin, MO 63011
  • 7220 Burlington Pike, Florence, KY 41042
  • 4007 W HWY 70, Durant, OK 74701
  • 7185 HWY 72, Ste F, Huntsville, AL 35601
  • 1016 Broadway Ave, Mattoon, IL 61938
  • 1000 Beltline Road, SW, Unit S2, Decatur, AL 35601
  • 2082 US 183, Suite 160, Leander, TX 78641
  • 651 North Denton Tap Road, Coppel, TX 75019
  • 2117 Douglas Avenue, Brewton, AL 36426
  • 2776 Muegge Rd, St Charles, MO 63303
  • 173-175 Concord Plaza, St Louis, MO 63128
  • 3768 Pepperell Pkwy, Opelika, AL 36801
  • 700 University Drive East, Suite 102, College Station, TX 77840

FAQs:

The most frequently asked questions are as follows:

The SalonCentric Credit Card discount of 20% offered on your first purchase is only applicable at the time of your account opening.

As you log in to your account at SalonCentric.com page, then go to the My Profile page. You will find the SalonCentric # under the “Personal Info” section on that page.

It can also be found on your membership card, your shipping invoice next to the “Sold To” section, or next to the “Customer” section in your store receipt.

If you still cannot find it and need additional assistance, contact customer care at 1-877-250-9215 for help.

You can expect to receive your SalonCentric credit card, account number, and all other information related to your account within 10 days of approval.

It will arrive in a welcome packet via US Mail. If you haven’t received it, call SalonCentric credit card customer care at 1-855-823-7001 (TDD/TTY: 1-888-819-1918 for help.

You can even text them for the quickest response. Remember that customer care hours may change during holidays.

You receive 1 point for $1 spent on eligible purchases made with your SalonCentric credit card at our stores, SalonCentric Business Partners, online, or with our Success Consultant. Once you have accumulated 250 points, you get a $10 reward certificate. The rewards can be redeemed at our stores.

Wrapping Up

Comenity Capital Bank and SalonCentric have collaborated to develop the Salon Centric Credit Card with a specific vision to cater to salon professionals who want to make pro purchases from their store or online.

If you are a salon professional who is also a customer of SalonCentric and makes your bulk beauty supply purchase from them, then this exclusive credit card is for you.

If you want to build your credit score, extend your cash flow, or get more perks and benefits like lounge access or concierge service, this is not the card, as there are better options suited to these needs.

 

Disclaimer: All the information presented in the article has been collected independently by BitMoneyAlpha and has not been reviewed or approved by SalonCentric or Comenity Bank. The product information may vary. Please check the issuer’s websites for the latest information. The statements and opinions expressed in this article belong to the author and do not necessarily represent the views or opinions of any credit card issuer. The content is for informational purposes only. It is not financial advice. So, before investing, do your due diligence and always invest what you are comfortable losing, as all investments are your responsibility.

 

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