Bath and Body Works does not currently offer its own branded credit card

Bath and Body Works stopped issuing its co-branded credit card several years ago. If you have an older Bath and Body Works card in your wallet, it may still work for purchases, but the company is not opening new accounts or promoting the card as a payment option. When you shop at Bath and Body Works stores or online, you can pay with any major credit card — Visa, Mastercard, American Express, or Discover — but there is no card branded specifically for the retailer.

This is not unusual. Many retailers have discontinued their own credit cards in recent years, shifting instead to loyalty programs that work with any payment method. Bath and Body Works uses this model: their rewards program, called the loyalty program, earns points on purchases made with any card, not just one specific card.

Key Takeaways

  • Bath and Body Works no longer issues a branded credit card and does not accept new applications for one.
  • You can earn rewards through the Bath and Body Works loyalty program using any major credit card or payment method.
  • If you want a rewards card for retail shopping, you may want to consider a general cashback card instead of waiting for a store-specific option.
  • Existing Bath and Body Works cardholders should check their account status directly with the card issuer to confirm whether their card is still active.

What happened to the Bath and Body Works credit card

Bath and Body Works previously offered a co-branded Mastercard issued through a bank partner. The card earned rewards on purchases at Bath and Body Works and other retailers. Like many store cards, it was eventually discontinued as the company restructured its customer rewards strategy.

The shift away from a branded card does not mean Bath and Body Works stopped rewarding loyal customers. Instead, the company moved to a points-based loyalty program that does not require a specific credit card. This approach is simpler for customers who prefer to use their own cards and manage fewer accounts.

How to earn rewards at Bath and Body Works now

Bath and Body Works offers a free loyalty program that earns points on every purchase, regardless of which card you use to pay. You enroll in the program, provide your email or phone number at checkout, and points accumulate automatically. The program is free to join and has no annual fee.

Points can be redeemed for discounts on future purchases. The exact redemption rates and point values change periodically, so check the Bath and Body Works website or ask in-store for current details. You can also earn bonus points during promotional periods, which the company announces through email to enrolled members.

Should you use a general rewards card instead

Since Bath and Body Works no longer has its own card, you might consider using a general-purpose rewards card for your purchases there. A cashback card that earns a flat percentage on all purchases — typically 1 to 2 percent — will give you rewards on Bath and Body Works shopping plus everywhere else you shop. This approach spreads your rewards across more merchants instead of concentrating them at one retailer.

The advantage of a general card is flexibility: you earn rewards whether you shop at Bath and Body Works, a grocery store, or a gas station. The disadvantage is that the cashback rate is usually lower than what a store-specific card might offer during promotional periods. Weigh whether you shop at Bath and Body Works frequently enough to justify a card designed just for that retailer — in this case, you cannot, so a general card is your best option if you want credit card rewards.

If you still have an old Bath and Body Works card

If you have a Bath and Body Works Mastercard from before the program ended, the card may still be active and usable. However, the company is not issuing new cards or promoting the old one. Contact the card issuer directly — the phone number is usually on the back of your card — to confirm whether your account is still open and what benefits, if any, still apply.

Some older store cards have been closed by the issuer even if the cardholder did not request closure. If your card has been inactive for a long time, it may have been closed automatically. The card issuer can tell you the status and whether you can still use it.

Other ways to save at Bath and Body Works

Beyond the loyalty program and credit card rewards, Bath and Body Works regularly runs sales and promotions. Sign up for the company's email list to receive notifications about sales, and check their website for current offers. The company also has a semi-annual sale that is widely advertised.

Combining the free loyalty program with a general cashback credit card and watching for promotions will likely give you the best overall savings. You do not need a store-specific card to benefit from Bath and Body Works rewards.

Frequently Asked Questions

Can I still use my old Bath and Body Works credit card?

It depends on whether your card is still active. Contact the card issuer using the number on the back of your card to confirm. Even if it is still active, the company is not promoting it or issuing new ones, so the rewards or benefits may have changed.

Do I need a credit card to earn points at Bath and Body Works?

No. The loyalty program works with any payment method — credit card, debit card, cash, or gift card. You just need to enroll in the program and provide your email or phone number at checkout.

What credit card should I use at Bath and Body Works if I want rewards?

Any cashback credit card will work. Look for one that earns 1 to 2 percent back on all purchases, or one that earns bonus rewards in categories like shopping or everyday purchases. Combine the card's rewards with the Bath and Body Works loyalty program for maximum benefit.

Is the Bath and Body Works loyalty program free?

Yes, the loyalty program is free to join and has no annual fee. You earn points on every purchase once you enroll.