Draper James Visa® Credit Card

BreadFinance Visa Pending

Back Apply Now

3

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: draper-james-visa-credit-card

Issuer: BreadFinance

Card Name: Draper James Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:17

Last Scraped: Feb 07, 2026 04:05

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Draper James Purchases 3x Points Net Eligible Purchases made at Draper James stores and draperjames.com. No Cap
Gas 2x Points Net Eligible Purchases made at gas stations. No Cap
Groceries 2x Points Net Eligible Purchases made at grocery stores. No Cap
All Other Purchases 1x Points All other Net Eligible Purchases everywhere Visa credit cards are accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Shopping 3
Accelerated Rewards on Draper James Purchases
2 points per $1 spent

Cardholders earn 2 points for every $1 spent on purchases made at Draper James, including online at draperjames.com and in Draper James retail stores.

Standard Rewards on All Other Purchases
1 point per $1 spent

Cardholders earn 1 point for every $1 spent on all other purchases made everywhere else Visa credit cards are accepted.

Draper James Rewards Certificate Redemption
$10 certificate for every 1,000 points

For every 1,000 points earned, cardholders will receive a $10 Draper James Rewards Certificate. Certificates are redeemable for purchases at Draper James.

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
PENDING

$25

Cash Back

Requirement: Spend $500 in 90 days

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 balance 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: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 or 12 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Draper James Visa Credit Card in 2026 requires applicants to be at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and meet BreadFinance's creditworthiness criteria, including credit score, income, and debt-to-income ratio. The typical bonus rule for new cardholders is expected to be a $50 statement credit or 15% off the first Draper James purchase when spending $250 within the first 90 days of account opening. Application is subject to credit approval. Rewards and benefits are primarily focused on Draper James purchases and may have specific redemption restrictions.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across all BreadFinance accounts, excessive returns or unusual spending patterns inconsistent with typical retail behavior, defaulting on other BreadFinance/Comenity accounts, suspected fraudulent activity, or abuse of promotional offers.

Cliff Effect Rules: BreadFinance (formerly Comenity) does not typically enforce strict 'card family' rules like Chase's 5/24 or Amex's once-per-lifetime bonus. However, approval for new accounts and credit limit increases is heavily influenced by the applicant's total credit exposure across all existing BreadFinance accounts. Reaching a high cumulative credit limit can act as a soft 'cliff,' making it difficult to open additional accounts or secure further credit line increases, regardless of individual card eligibility.

Special Events: Exclusive cardholder discounts (e.g., 15-20% off on specific 'Cardholder Appreciation Days'), early access to new collections and sales events, birthday rewards (e.g., a $10-$25 off coupon), and special in-store or online promotions for cardholders.

Holiday Promos: Key promotional periods are expected to align with major retail holidays: Black Friday/Cyber Monday, Christmas/Holiday Season, Mother's Day, Valentine's Day, and seasonal collection launches (Spring, Summer, Fall, Winter). The card may offer enhanced rewards or exclusive discounts during these times.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Good for Draper James loyalists, easy to get approved, occasional special offers and discounts.

Top Negative:
Low credit limits, high APR, poor customer service, limited rewards outside of Draper James purchases.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Gap Visa Card
  • Discover it Secured Credit Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $90.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0