Croissant has a few kinds of credit, and they all add up to one thing: credit toward what you buy next. Here's what each term means and how they work together.
Jump to: Credit · The ways you get credit · Earned Credit · Credit Drops · Premium Credit Drop · 10% credit back · Buyback · Earn vs. redeem · Gift cards · Pending vs. available · Your Wallet
The one thing to know
Your credit is your spendable balance — made up of earned credit (what you earn shopping and selling) plus any Credit Drops (bonuses from Croissant or partner retailers). Everything below is just a way you earn it or spend it.
The ways you get credit
Shop — earn 10% credit back (added as earned credit) at partner retailers — or unlock 15% with Croissant Premium. → Where Can I Earn Credit When Shopping?
Sell — your items' buyback value comes back to you as credit. → Buybacks 101
Credit Drops — bonus credit from Croissant or partner retailers; Premium members also claim a monthly Premium Credit Drop. → How to find and use your Credit Drops
It all pools in your Wallet, ready to redeem.
Credit
Your total spendable balance in Croissant — your earned credit plus any Credit Drops. It lives in your Wallet and goes toward purchases at supported retailers. More on this → How does Croissant pay me?
Earned credit
Your earned balance, built up from shopping (10% credit back) and selling. Spend it anywhere with our partner brands — pay with Croissant at checkout, or (at Revolve and FWRD) convert it into a gift card. It doesn't expire. In your Wallet this shows as "Earned Credit." Don't confuse it with a "Flexible Credit Drop" — that's a Credit Drop with its own drop rules (see Credit Drops below); you get one either by claiming the $100 option on your Premium drop or from an occasional Croissant incentive drop, not by earning it. More on this → How Croissant's 10% credit back works
Credit Drops
Bonus credit from Croissant or a partner retailer. Each drop sets its own minimum to spend (shown on the drop), is used in one order (no leftover balance), and expires (the date is shown on the drop). Most drops are tied to a specific retailer — you'll see the brand right on the card. A drop is also non-refundable once used — if you return the order you applied it to, the drop isn't credited back. (A gift card is different — a refund goes back to the gift card.) More on this → How to find and use your Credit Drops
Premium Credit Drop
Each month, Croissant Premium members claim a Credit Drop — choosing $100 to spend with Croissant Pay partners or a $50 Revolve or FWRD gift card. Claim it in your Wallet, and it expires about 30 days after you claim it. Once you claim the $100, it turns into what your Wallet labels a "Flexible Credit Drop" — despite the name, it's a Credit Drop (Croissant Pay checkout, single order, expires), not the spend-anywhere earned credit above. (Premium isn't the only source of these — see Kinds of Credit Drops below.) More on this → Your Premium Credit Drop
Earned credit vs. "Flexible Credit Drop" — not the same thing. Earned credit is what you earn shopping and selling — spend it anywhere with our partner brands, it never expires (your Wallet shows it as "Earned Credit"). A "Flexible Credit Drop" is a Credit Drop with no retailer attached to it — your claimed $100 Premium drop turns into one, and Croissant also hands them out directly as occasional incentive drops. Either way, it's a Credit Drop (Croissant Pay checkout only, used in one order, expires), not this spend-anywhere balance. Same "flexible," different things.
10% credit back
Shop with Croissant active and you earn 10% of your purchase back in credit. It shows up as pending first, then becomes available to spend. More on this → How Croissant's 10% credit back works
Buyback
The resale value on eligible items you buy — the credit you'll get when you sell them back. Buyback values can increase or decrease with the resale market; the amount is locked in and guaranteed the moment you initiate a sale. More on this → Buybacks 101
Earn vs. redeem
Two words you'll see: you earn credit (by shopping, selling, or getting a Credit Drop), and you redeem it when you spend it — apply it at checkout with Croissant, or convert it to a gift card with Revolve or FWRD.
Gift cards
Right now you can create a gift card only at Revolve and FWRD (they don't support paying with Croissant at checkout) — turn your earned credit into that retailer's gift card. At every other partner, you can spend your earned credit at checkout with Croissant instead.
Returned an item you bought with a gift card? The refund goes back to that same gift card — your money isn't lost. (This is different from a Credit Drop, which isn't restored once used.) More on this → How to convert credit to a gift card and Gift Card Balance, Returns & Refunds, and Removing Used Cards
Pending vs. available credit
Pending credit isn't spendable yet — it typically clears in about 45 days once the return window closes. Available credit is ready to use right now. More on this → Why is my credit pending?
Your Wallet
Where all your credit, Credit Drops, and gift cards live. Check your balance, shop your Credit Drops, convert credit, and manage gift cards in one place. More on this → How to redeem your Croissant credit
How it all fits together
Earn —you earn credit when you shop (10% credit back) and when you sell. Unlock 15% with Croissant Premium, plus a monthly Credit Drop — What is Croissant Premium?.
Hold — your credit sits in your Wallet until you spend it. Credit you earn from shopping shows as pending first and becomes available once the return window closes (about 45 days); Credit Drops are usually ready to spend right away.
Redeem — spend your credit: apply it when you pay with Croissant, or convert it to a gift card at Revolve or FWRD.
Quick reference
Term | In one line |
Credit | Your total balance — earned credit + any Credit Drops |
Earned Credit | Earned balance from shopping + selling; spend anywhere with our partner brands; doesn't expire |
Credit Drops | Bonus from Croissant or a partner retailer; sets its own minimum, used in full (no leftover), expires, non-refundable once used; most are tied to a specific retailer (brand shown on the card) |
Premium Credit Drop | A monthly drop Premium members claim — take it as $100 to spend with Croissant Pay partners, or a $50 Revolve/FWRD gift card; expires ~30 days |
10% credit back | 10% of your purchase back (as earned credit) when Croissant is active at checkout |
Buyback | Resale value that returns to you as credit when you sell; can rise or fall with the market, then locks in (guaranteed) the moment you start a sale |
Earn / Redeem | Earn = receive credit; Redeem = spend it |
Gift cards | Credit converted into a Revolve or FWRD gift card (the only gift cards available right now); a return refunds back to that gift card (unlike a Credit Drop, which isn't restored) |
Pending vs. available | Pending = not yet spendable (~45 days); available = ready now |
Wallet | Where your credit, Credit Drops, and gift cards live |
Kinds of Credit Drops
How you use a drop depends on its kind:
Flexible credit drops — spend at checkout with Croissant at any Croissant Pay partner; can't be converted to a gift card. Your Wallet labels these "Flexible Credit Drop" (not the same as your earned credit). Your Premium monthly drop, claimed as the $100 option, is one — as are Croissant's occasional promotional drops.
Partner brand drops — tied to one Croissant Pay partner (brand shown on the card); pay with Croissant at that partner's checkout only — it won't apply anywhere else, unlike a Flexible Credit Drop.
Revolve & FWRD drops — convert to a gift card only.
More on this → Your Premium Credit Drop and How to Find and Use Your Credit Drops