3
Benefits2
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Dressbarn Purchases | 5x | Points | Purchases made at Dressbarn.com and in Dressbarn stores. | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Visa is accepted. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 3 Total
PENDINGShopping 3
First Purchase Discount
20% off first purchaseCardholders receive a 20% discount on their first purchase made with the Dressbarn Credit Card upon account opening.
Ongoing Purchase Discount
10% off every Dressbarn purchaseCardholders receive a 10% discount on all subsequent purchases made at Dressbarn after their first purchase.
Special Financing Offers
Varies by offerCardholders may be eligible for special financing offers on qualifying purchases, allowing for deferred interest or extended payment plans. Specific terms and conditions apply to each offer.
Benefits Summary (Flags)
PENDINGExtended 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 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: New cardholders receive 20% off their first Dressbarn purchase made within 30 days of account opening, plus earn 5 points per $1 spent at Dressbarn (equivalent to 5% back in rewards). Eligibility requirements for the Dressbarn Credit Card in 2026 include being at least 18 years old, a U.S. resident, and possessing a valid Social Security Number or ITIN. Approval is subject to creditworthiness, typically requiring fair to good credit. Existing BreadFinance cardholders in good standing may have an advantage in the application process.
Max Cards Per Issuer: 7
Min Spend Interval: 30 days
Cliff Effect Rules: BreadFinance does not typically have 'card family' bonus restrictions like other major issuers. However, approval for new BreadFinance cards and credit limit increases are heavily influenced by the applicant's overall credit profile with BreadFinance, including total credit extended, payment history across all BreadFinance accounts, and recent application velocity. A negative history with one BreadFinance card can impact approval for new cards and credit limits on existing ones.
Special Events: Exclusive cardholder discounts, birthday rewards, double/triple points events on specific categories or days, early access to sales, and special financing offers.
Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Mother's Day, Valentine's Day, Back-to-School, and seasonal clearance events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.2 / 5.0
Top Positive:
Easy approval for fair credit, initial purchase discount, and exclusive store promotions.
Top Negative:
High APR, limited rewards only for Dressbarn, and reports of poor customer service.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Amazon Store Card
- Petal® 1 Rise Visa® Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $25.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0