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How it works?

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Store credit card

The credit card must be from an approved retailer and not a co-branded credit card

(cards that have on the face, both the logo of the retailer and a major credit card company such Visa, MasterCard, American Express, Discover, etc)

Learn More

from our competitors

We’ll beat the Interest Rate of most major Competitor “store" card

See full list of exclusions

without special promotions

Invitation to Apply (ITA) offers are not eligible

See full list of exclusions
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in store

Visit any Curacao store and show us the Competitor’s Pre-Approved offer or a recent billing statement of the retailer store card that you wish us to beat

Store locations

online

Click here to fill out the submission form.

by phone

Call us at 1-877-CURACAO or 1-877-287-8886 and an associate will help you.

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we don't just match it

While other may offer a price match.

we'll beat it!

We’ll match the competitor’s store credit card Interest Rate and BEAT it by an additional 0.25%

even after your purchase

We'll beat the price up to 15 days after your purchase

Never worry again about the best deal

Curacao is so confident in our lending practices and the Interest Rate that we offer, we have introduced our INTEREST BEAT GUARANTEE. This ensures that our customers can enjoy competitive interest rates

Curacao continually reviews its lending rates and tries to ensure that our customers pay competitive rates on their outstanding debt. In fact, some customers are offered an interest rate that is lower than the competition’s store credit card, but we are not perfect. With Curacao’s INTEREST BEAT GUARANTEE, we will not only match the competitor’s interest rate, but we will BEAT it! That is our promise.

FAQ's

What do I need to qualify?
  • If you have an existing Curacao credit account, the account must be active and able to make purchases

  • A recent billing statement of the retailer store card that you wish us to beat within two billing cycles of the date that you make the request or a pre-approved offer from a retailer

    • Competitor’s Pre-Approved offers must provide proof of offer with interest rate range stipulated in the offer, must be within 30 days of offer expiration

    • Invitation to Apply (ITA) offers are not eligible

  • The name and address on the billing statement or pre-approved offer must match the name and address on the Curacao account

  • For accounts with authorized users, the competitors card statement can be in either account user name. If you are an “authorized user” on the competitor retail store card, but not the party responsible for the store card account then please consider using a different store card in which you are the borrower on the credit account. (Statement online is incorrect)

  • If you have a “co-signer” on the competitor retail store card which allowed you to qualify for the credit account and rate, then you may qualify for Curacao’s Interest Beat program if you also have a co-signer on your Curacao credit account.

What credit cards will you beat the interest rate?
    • Competitor “store card” is defined as a credit card issued with the name of that retailer on the card (regardless if a bank is managing the account) that is not co-branded with a major credit card association. Retail competitor store cards typically have restricted usage of credit for purchases at the retailer’s store locations.

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  • Amazon.com Store Card

  • Walmart Credit Card

  • My Best Buy Credit Card Preferred

  • Costco

  • Ashley Advantage Credit Card

  • My Best Buy Credit Card

  • Big Lots Credit Card

  • My Bob’s Card

  • Yes Money Financing

  • Conn’s Credit Card

  • Guitar Center Gear Card

  • JCPenney Credit Card

  • Kohl’s Credit Card

  • Living Spaces Credit Card

  • Lowe’s Advantage

  • Team Lowe’s Racing

  • Macy’s Card

  • Nordstrom Credit Card

  • Sears Card

  • Target Red Card

  • TJX Rewards Credit Card

  • The Home Depot Consumer Credit Card

Can I request Curacao to beat another card’s rate at any time?
  • Existing accounts must be active and able to purchase and cannot be delinquent (CA / AZ – more than 10 days past due, NV less than 5 Days past due)

  • Inactive Customers can attempt to qualify after going through existing credit reactivation process

  • Accounts previously closed for any reason may qualify after going through existing credit reactivation process

Can I do this for current balances?
  • Revolving (Express-99, Regular-50’s) sub-accounts – if all requirements are met, current balances are eligible for lower interest rate and will take effect as of the date granted (i.e. intra-billing cycle). Finance charges assessed on existing balance up to the date of Interest Beat program interest rate change are calculated based on the previous sub-account interest rate. Finance charges for the remaining days of the billing statement will use the changed interest rate. For this reason, the weighted average interest rate for your first billing cycle under your new lower “Interest Beat” rate may be slightly higher due to finance charges which were already assessed on pre-existing balance at the previous old rate.

  • Installment (01-09) sub-accounts - the new rate will be applied on new purchases made in the future. If you have a balance on an installment sub-account that is entirely from a purchase that was made in the last 15 days (no previous balance), then we will also be able to change the interest rate on that account, but if a portion or entire balance of the installment account came from a purchase made more than 15 days ago, then we are not able to change the interest rate on that balance

How can I request an INTEREST BEAT on my account?
  • Click here to submit your Interest Beat request online. Make sure to include your name, account number and the best phone number to call you back along with required documentation.

  • EMAIL

    • Send an email to interestbeat@icuracao.com and attached a scanned copy, pdf or a legible picture of the required documents. Include your name, account number and best call back number in the email and your request will be reviewed within 24 hours

  • STORE

    • Visit any Curacao store credit lounge and they can help you with your request, remember to bring the most recent billing statement for the store credit card that you want us to beat

What will my final interest rate be?
  • Once we confirm your eligibility, we will match the competitor’s store credit card and BEAT it by an additional 0.25%.