Forever 21 Credit Card
Basic Information
Program ID: forever-21-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:20
Last Scraped: 01/15/2026 10:57
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $250.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts within 1-2 billing cycles (approximately 4-8 weeks) after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Forever 21 Purchases
Point Value Estimate: 0.0300 cents/point
Expiration Policy: Points expire 12 months after they are earned or if the account is inactive for 12 months.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 620 - 720
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Application Eligibility: Must be 18+ years old, possess a valid SSN/ITIN, and a U.S. mailing address. Subject to credit approval, typically requiring fair to good credit. Bonus Rule (2026): 20% off your first Forever 21 purchase made within 30 days of account opening. Earn 5% back in Forever 21 rewards on all Forever 21 purchases (in-store and online) and 1% back on all other eligible purchases everywhere Mastercard is accepted. Rewards are issued as Forever 21 store credit.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 30 days
Shutdown Risk Triggers: Manufactured spending (if detected), high cumulative credit limit across all BreadFinance accounts, excessive returns, prolonged account inactivity, missed payments, suspected fraud, significant negative changes in credit profile, or opening too many BreadFinance accounts in a short period.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval for store discounts, helps build credit, special promotions for Forever 21 shoppers.
Top Negative Feedback:
High APR, limited use outside Forever 21, poor customer service from Comenity, frequent credit limit decreases, deferred interest traps.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Discover it Secured
- Target RedCard
Card Value Score: 55.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 90% Store / 10% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 70.0%
Terms Version Control
Version ID: v1.0