6
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: forever-21-credit-card
Issuer: BreadFinance
Card Name: Forever 21 Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
If you are a covered borrower under the Military Lending Act, the Military Annual Percentage Rate (MAPR) for your account will not exceed 36%.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Forever 21 Purchases | 2x | Points | Earn 2X points for every $1 spent at Forever 21 stores or online at forever21.com | No Cap | |
| All Other Purchases | 1x | Points | Earn 1X point for every $1 spent everywhere else Visa is accepted | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: Forever 21 purchases
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as your account is open and in good standing. Once a Forever 21 Reward is issued, it will expire 90 days from the date of issuance.
Point Value: 0.01¢
Redemption Penalties: Rewards are issued as a discount on future Forever 21 purchases. Rewards cannot be redeemed for cash, gift cards, or applied to previous purchases. A minimum of 100 points is required to receive a reward.
Benefits & Protections (Detailed) 6 Total
PENDINGFinancial 1
No Annual Fee
$0There is no annual fee charged for maintaining the Forever 21 Credit Card account.
Lifestyle 1
Special Birthday Offer
VariesCardmembers receive a special offer or discount during their birthday month.
Shopping 4
Forever 21 In-Store and Online Points Earning
2 points per $1 spentCardmembers earn 2 points for every $1 spent on purchases made at Forever 21 stores and forever21.com.
Everywhere Else Points Earning
1 point per $1 spentCardmembers earn 1 point for every $1 spent on purchases made everywhere else Visa is accepted.
Reward Redemption
$5 reward for 200 pointsCardmembers receive a $5 reward for every 200 points earned. Rewards are issued as certificates that can be used towards Forever 21 purchases.
Exclusive Cardmember Offers
VariesCardmembers gain access to special discounts, promotions, and sales exclusively for Forever 21 Credit Cardholders.
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 |
| Penalty APR: | 29.99% |
| 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: | 3.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility: Applicants must be 18 years or older, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria, typically requiring fair to good credit. Bonus Rule: New cardholders in 2026 receive 20% off their first Forever 21 purchase made within 30 days of account opening, plus earn 5 points per $1 spent on all Forever 21 purchases (in-store and online). Points are redeemable for Forever 21 store credit.
Max Cards Per Issuer: 6
Min Spend Interval: 90 days
Cliff Effect Rules: BreadFinance (formerly Comenity) does not typically enforce 'cliff effect' rules that restrict benefits across a specific card family. However, the issuer monitors total credit exposure across all accounts it issues to an individual. Applying for too many BreadFinance cards in a short period or accumulating a very high total credit limit across their portfolio can lead to denials for new applications or credit limit reductions on existing accounts due to 'too much credit with issuer' or 'too many recent accounts'.
Special Events: Cardholder-exclusive sales events (e.g., 'Forever 21 Cardholder Appreciation Day'), seasonal collection launches (Spring, Summer, Fall, Winter), anniversary sales for the store or card program, and back-to-school promotions.
Holiday Promos: Black Friday / Cyber Monday week (late November), Christmas / Holiday shopping season (November-December), New Year's sales (January), Valentine's Day (February), Mother's Day (May), Father's Day (June), Memorial Day (May), Labor Day (September), and 4th of July sales (July).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval for those with fair credit, good discounts and rewards for frequent Forever 21 shoppers.
Top Negative:
High APR, poor customer service, limited utility outside Forever 21, and frequent complaints about billing issues.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One Platinum
- Discover it Secured
- Amazon Store Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $120.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0