Draper James Credit Card
Basic Information
Program ID: draper-james-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: N/A
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:15
Last Scraped: 01/15/2026 10:52
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x at Draper James, 1x on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: For 2026, the Draper James Credit Card, issued by Bread Financial, offers new cardholders 20% off their first Draper James purchase made within 30 days of account opening. Cardholders earn 5 points per $1 spent at Draper James and 1 point per $1 on all other eligible purchases, redeemable for Draper James store credit. Eligibility requirements include being 18 years or older, possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a valid U.S. mailing address, and meeting Bread Financial's credit approval criteria, which typically requires a fair to good credit history.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: High credit utilization across Bread Financial accounts, frequent returns at Draper James, unusual spending patterns inconsistent with typical retail purchases (e.g., large non-Draper James purchases followed by immediate payments and no further activity), defaulting on payments, opening multiple Bread Financial accounts in a short period, or suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval for those with fair credit, exclusive discounts and rewards for Draper James purchases, opportunity to build credit history.
Top Negative Feedback:
High annual percentage rates (APRs), limited use outside of Draper James stores, frequent complaints about Comenity Bank's customer service, low initial credit limits.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Credit Card
- Amazon Store Card
- Discover it Secured Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 24 months
Store vs Co-brand: 20% General / 80% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0