Dressbarn Credit Card
Basic Information
Program ID: dressbarn-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:46
Last Scraped: 01/15/2026 11:25
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| 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: 2,999.00%
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: $200.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on Dressbarn purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: This analysis assumes a hypothetical re-launch of the 'dressbarn-credit-card' by BreadFinance in 2026, structured as a private label store card, given the brand's current status. **Bonus Rule:** Typically, new cardholders receive an immediate discount on their first Dressbarn purchase (e.g., 20% off). Ongoing rewards usually include earning 5 points per $1 spent at Dressbarn, redeemable for Dressbarn rewards certificates (e.g., $10 reward for every 1,000 points). **Application Rules & Eligibility:** Applicants must 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 BreadFinance's credit underwriting standards, generally requiring fair to good credit for store cards. Applicants with a history of bankruptcy or significant delinquencies may be denied. Existing BreadFinance cardholders with high cumulative credit limits or recent denials may face stricter scrutiny.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months (for any potential spend-based bonus, otherwise N/A for immediate first purchase discount)
Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across all BreadFinance accounts, excessive credit seeking (numerous applications in a short period), late payments, high credit utilization, suspected fraudulent activity, or account inactivity for extended periods.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.1 / 5.0
Top Positive Feedback:
Easy approval for fair credit, good initial discount, useful for frequent Dressbarn shoppers, loyalty rewards.
Top Negative Feedback:
High APR, limited use outside Dressbarn, rewards can be restrictive or confusing, customer service issues reported.
Approval Experience Score: 78.5 / 100
Recommended Alternatives
- Kohl's Charge
- Target RedCard
- Capital One Platinum Secured Card
Card Value Score: 62.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 30 months
Store vs Co-brand: 80% Store / 20% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 78.0%
Terms Version Control
Version ID: v1.0