Dressbarn Credit Card

BreadFinance Pending

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6

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: dressbarn-visa-credit-card

Issuer: BreadFinance

Card Name: Dressbarn Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:47

Last Scraped: Feb 07, 2026 04:28

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Dressbarn Purchases 2x Points Earn 2 points for every $1 spent at Dressbarn. No Cap
All Other Purchases 1x Points Earn 1 point for every $1 spent everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The Dressbarn Visa Credit Card does not charge an annual fee.

Lifestyle 1
Birthday Offer
Special offer

Cardholders receive a special offer during their birthday month.

Shopping 3
Rewards Earning Rate
2 points per $1 spent

Earn 2 points for every $1 spent on eligible purchases made at Dressbarn.

Rewards Redemption
$10 reward certificate for 200 points

Redeem 200 points for a $10 reward certificate, which can be used towards purchases at Dressbarn.

Exclusive Cardholder Offers
Exclusive offers

Access to exclusive discounts and promotions available only to Dressbarn Visa Credit Cardholders.

Welcome Offer 1
Welcome Offer
$20

Receive a $20 Welcome Offer when you open and use your Dressbarn Visa Credit Card on the same day of approval.

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
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
Balance Transfer: Either $5 or 3% 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 & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: New cardholders receive a 20% discount on their first Dressbarn purchase made within 30 days of account opening. Earn 5% back in Dressbarn Rewards on all Dressbarn purchases and 1% back on all other Visa purchases. Eligibility requirements for 2026 include: Applicants must be 18 years or older, a US resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and be subject to credit approval by Bread Finance. Store-specific restrictions and program terms apply.

Max Cards Per Issuer: 1

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Bread Finance accounts, frequent balance transfers without repayment, excessive credit limit increase requests, multiple recent applications for other Bread Finance cards, suspicious spending patterns inconsistent with typical consumer behavior, failure to make minimum payments, fraudulent activity.

Cliff Effect Rules: No explicit 'cliff effect' for the card itself, but benefits (like higher reward tiers or exclusive discounts) may be tied to annual spending thresholds within the Dressbarn loyalty program, which could be lost if spending drops below a certain level. Bonus eligibility for new cardholders may be restricted if a Dressbarn credit card was held within the last 24 months.

Special Events: Seasonal sales events (e.g., Black Friday, Cyber Monday, Friends & Family), cardholder-exclusive discount days, and double/triple rewards points promotions on specific categories or dates.

Holiday Promos: Major US holidays including but not limited to: Valentine's Day, Mother's Day, Father's Day, Memorial Day, 4th of July, Labor Day, Halloween, Black Friday/Cyber Monday (Thanksgiving week), Christmas, New Year's.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy to get approved, good discounts and promotions for Dressbarn purchases, helpful for building credit if used responsibly.

Top Negative:
High interest rates, limited acceptance outside Dressbarn, deferred interest promotions can be misleading, customer service can be difficult to reach.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured
  • Discover it Secured
  • Target RedCard

Card Value Score: 45.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023