Draper James Credit Card

BreadFinance Visa Pending

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4

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: draper-james-credit-card

Issuer: BreadFinance

Card Name: Draper James Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:15

Last Scraped: Feb 07, 2026 04:02

Apply URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Draper James Purchases 2x Points Eligible net purchases made at Draper James stores or draperjames.com No Cap
All Other Purchases 1x Points Eligible net purchases made everywhere else Visa is accepted No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Lifestyle 1
Birthday Offer
Special birthday offer

Cardmembers receive a special offer during their birthday month. Specifics of the offer are typically communicated directly to the cardholder.

Shopping 3
First Purchase Discount
20% off first purchase

Receive 20% off your first Draper James purchase when you open and use your new Draper James Credit Card.

Free Standard Shipping
Free standard shipping

Enjoy free standard shipping on all Draper James purchases made with your Draper James Credit Card.

Exclusive Cardmember Offers
Various exclusive offers

Access to exclusive offers and promotions available only to Draper James Credit Cardholders throughout the year.

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: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your Account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: New cardholders for the Draper James Credit Card (issued by BreadFinance) in 2026 are eligible for a 20% discount on their first Draper James purchase made within 30 days of account opening. Additionally, cardholders earn 5 points per $1 spent at Draper James stores and draperjames.com, redeemable for merchandise credits. Eligibility requirements include being at least 18 years old (19 in AL/NE), a US resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a verifiable income source. A fair to good credit score (typically FICO 640+) is generally required for approval. Existing BreadFinance account holders in good standing may experience a streamlined application process.

Max Cards Per Issuer: 7

Min Spend Interval: 30 days for initial discount

Shutdown Risk Triggers: Manufactured spending (if applicable to store purchases), high cumulative credit limit across all BreadFinance accounts, excessive returns, suspected fraudulent activity, consistent late payments across any BreadFinance accounts, high utilization across multiple BreadFinance cards, or attempts to circumvent promotional financing terms.

Cliff Effect Rules: Not applicable for this single-brand store card program. However, approval for new BreadFinance accounts may be impacted by the number and status of existing BreadFinance accounts held by the applicant.

Special Events: Exclusive early access to Draper James sales events, double points days (e.g., 10 points per $1) on select merchandise categories, and a special birthday discount.

Holiday Promos: Black Friday/Cyber Monday week (late November), Christmas/Holiday Shopping Season (December 1-24), Mother's Day (May), and seasonal collection launches (Spring, Summer, Fall, Winter).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Exclusive discounts and rewards for Draper James purchases; relatively easy approval process for store loyalists; good for building credit history.

Top Negative:
High interest rates and limited acceptance outside Draper James; frequent reports of poor customer service from Comenity Bank; rewards are often restricted to store use; potential for unexpected credit limit changes.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One Platinum Credit Card
  • Discover it Secured Credit Card
  • Gap Good Rewards Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0