Ashley Stewart Credit Card

BreadFinance Pending

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4

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: ashley-stewart-credit-card

Issuer: BreadFinance

Card Name: Ashley Stewart Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 11, 2026 07:02

Last Scraped: Feb 11, 2026 07:04

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Ashley Stewart Purchases 2x Points Purchases made at Ashley Stewart stores and ashleystewart.com No Cap
All Other Purchases 1x Points All eligible purchases made outside of Ashley Stewart, where Visa is accepted No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
No annual fee

There is no annual fee for maintaining the Ashley Stewart Credit Card account.

Lifestyle 1
Birthday Discount Offer
Special birthday offer, up to $100

Cardholders receive a special birthday offer via email during their birthday month. The offer is valid for 30 days from the date of issuance. This offer is not valid on previous purchases, gift cards, or layaways, and cannot be combined with any other coupon or discount.

Shopping 2
First Purchase Discount
20% off first purchase, up to $100

New cardholders receive 20% off their first purchase made with the Ashley Stewart Credit Card. The offer is sent via email within 7-10 days of account opening and is valid for 30 days from the date of issuance. This offer is not valid on previous purchases, gift cards, or layaways, and cannot be combined with any other coupon or discount.

Free Standard Shipping
Free standard shipping on all orders

Cardholders receive free standard shipping on all orders placed on ashleystewart.com when using their Ashley Stewart Credit Card. No minimum purchase is required.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ No interest will be assessed on the promotional purchase if you pay the promotional purchase amount in full within 6 months. If you do not, interest will be assessed on the promotional purchase from the date of purchase.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident with a valid SSN or ITIN. Approval is subject to creditworthiness, typically requiring a fair to good credit score. Applicants must not have been approved for another BreadFinance credit card product within the last 90 days. Bonus Rule: Earn a 20% discount on your first Ashley Stewart purchase made within 30 days of account opening (up to $50 maximum discount) AND a $25 statement credit after spending $250 on Ashley Stewart purchases within the first 90 days.

Max Cards Per Issuer: 2

Min Spend Interval: 90 days

Shutdown Risk Triggers: High credit utilization on the card, missed or late payments, suspected fraudulent activity, excessive returns, opening multiple BreadFinance credit products in a short period, or attempting to circumvent spending limits through unusual transaction patterns.

Cliff Effect Rules: Welcome bonus is not available to applicants who currently hold or have held the Ashley Stewart Credit Card or any co-branded BreadFinance Ashley Stewart product within the past 24 months. Only one welcome bonus per lifetime per specific Ashley Stewart card product.

Special Events: Exclusive cardholder-only sales events (e.g., 'Ashley Stewart Cardholder Appreciation Day'), early access to new collections, and special financing offers on large purchases.

Holiday Promos: Black Friday/Cyber Monday week (November), Holiday Shopping Season (December 1-24), Semi-Annual Sales (January & July), Mother's Day/Father's Day (May/June).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Easy approval for building credit, good discounts and promotions for Ashley Stewart purchases.

Top Negative:
High interest rates, poor customer service, limited use only at Ashley Stewart, low credit limits.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Discover it Secured Credit Card
  • Target RedCard

Card Value Score: 40.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 03/2024