Forever 21 Visa Credit Card
Basic Information
Program ID: forever-21-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:49
Last Scraped: 01/15/2026 11:29
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: 2,124.00% - 2,924.00%
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: $2,500.00
Spending Requirement: $250.00
Time Period: 90 days
Bonus Timing: Rewards typically post within 1-2 billing cycles after the statement period in which the spend requirement is met, usually within 6-10 weeks.
Rewards Program
Reward Type: Store Credit / Discounts
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Forever 21 stores and forever21.com, 2x on Gas & Groceries
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points typically expire 12-24 months after issuance or upon account inactivity. This information is predictive for January 2026 based on typical store card programs.
Transfer Partners: None
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
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Forever 21 Visa Credit Card in 2026 requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to BreadFinance's credit approval criteria, which includes a satisfactory credit history. Applicants must not currently hold an active Forever 21 Visa Credit Card account. The typical bonus rule offers 20% off your first Forever 21 purchase made within 30 days of account opening, plus 5x points on all Forever 21 purchases.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 30 days (for initial purchase bonus)
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance accounts, excessive returns or fraudulent activity, defaulting on payments or other BreadFinance accounts, abuse of promotional offers or sign-up bonuses, rapid cycling of credit limits.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.5 / 5.0
Top Positive Feedback:
Easy approval for fair credit, offers discounts and rewards for Forever 21 purchases, good for building credit.
Top Negative Feedback:
Poor customer service, high APR, issues with rewards redemption, low credit limits, difficult online account management.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Credit Card
- Old Navy Visa Credit Card
- Petal 1 Visa Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $47.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 18 months
Store vs Co-brand: 45% Store / 55% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: February 2024