Draper James Visa Credit Card
Basic Information
Program ID: draper-james-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/10/2026 10:17
Last Scraped: 01/15/2026 10:54
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: $10,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
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
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Draper James Visa Credit Card requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to creditworthiness, generally requiring good to excellent credit history. The typical welcome bonus for 2026 is a statement credit (e.g., $100) after spending a specified amount (e.g., $500) on purchases within the first 90 days of account opening. Application is online and subject to BreadFinance's standard credit approval process.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit limit utilization across all BreadFinance accounts, sudden and uncharacteristic spending patterns, multiple late payments or defaults on any BreadFinance account, suspected fraudulent activity, excessive returns on Draper James purchases after earning rewards, or abuse of promotional offers.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy approval for store loyalists, good for building credit, occasional store discounts.
Top Negative Feedback:
High APR, low credit limits, limited rewards outside Draper James, customer service issues.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One Platinum Secured Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 70% General / 30% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0