9
Benefits3
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: forever-21-visa-credit-card
Issuer: BreadFinance
Card Name: Forever 21 Credit Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Bread Financial provides benefits to eligible active duty servicemembers, their spouses, and dependents, complying with the Military Lending Act (MLA) and Servicemembers Civil Relief Act (SCRA). Benefits include an interest rate cap of 36% on credit card accounts.
Rewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Forever 21 Purchases | 5x | Points | Purchases made at Forever 21 stores or forever21.com | No Cap | |
| Dining & Entertainment | 2x | Points | Purchases at restaurants, cafes, and entertainment venues | No Cap | |
| All Other Purchases | 1x | Points | All eligible purchases not categorized as Forever 21, Dining, or Entertainment | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x on eligible purchases at Forever 21 stores and Forever21.com
Quarterly Rotating: No
Expiration Policy: Points expire 12 months from the date they are earned if not redeemed.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Reward Certificates are issued in $10 increments for every 1,000 points. Certificates cannot be combined with certain offers and may have minimum purchase requirements. Certificates are not redeemable for cash or gift cards.
Benefits & Protections (Detailed) 9 Total
PENDINGFinancial 1
No Annual Fee
$0The Forever 21 Visa Credit Card does not charge an annual fee.
Lifestyle 1
Birthday Offer
VariesReceive a special offer during your birthday month as a Forever 21 Visa Credit Cardmember.
Shopping 7
Rewards Points - Forever 21 Purchases
3 points per $1Earn 3 points for every $1 spent on purchases made at Forever 21.
Rewards Points - Gas & Groceries
2 points per $1Earn 2 points for every $1 spent on gas and grocery purchases.
Rewards Points - Everyday Purchases
1 point per $1Earn 1 point for every $1 spent on all other purchases where Visa is accepted.
Rewards Redemption
$5 reward for 200 pointsRedeem 200 accumulated points for a $5 reward.
First Purchase Discount
15% offReceive a 15% discount on your first purchase made with your new Forever 21 Visa Credit Card.
Free Standard Shipping
Free standard shippingEnjoy free standard shipping on all online purchases made at Forever 21.
Exclusive Cardmember Offers
VariesAccess to exclusive offers available only to Forever 21 Visa Credit Cardmembers.
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 |
| Effective Annual Fee: | $0.00 |
| 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: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: New cardholders receive 20% off their first Forever 21 purchase made within 30 days of account opening. Earn 3x points on eligible Forever 21 purchases (in-store and online) and 1x point on all other eligible Visa purchases. Points are redeemable for Forever 21 rewards. Eligibility requirements: Applicants must be 18 years or older, a US resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to creditworthiness, including a good to excellent credit score and sufficient income. Applicants must not have declared bankruptcy in the last 7 years and must not be in default on any existing BreadFinance accounts. Store-specific restrictions apply, meaning primary benefits and rewards are concentrated on Forever 21 brand purchases.
Max Cards Per Issuer: 2
Min Spend Interval: 30 days for initial purchase discount; 3 months for any tiered spend bonuses.
Cliff Effect Rules: Bonus eligibility is limited to new cardholders who have not received a sign-up bonus for the Forever 21 Visa Credit Card in the past 24 months. Existing BreadFinance cardholders may be subject to overall credit limit restrictions across their portfolio.
Special Events: Exclusive early access to Forever 21 sales, additional bonus points days (e.g., 5x points on specific weekends), birthday discounts, and special financing offers on large Forever 21 purchases.
Holiday Promos: Black Friday/Cyber Monday (November), Valentine's Day (February), Back-to-School (August), and seasonal collection launches (Spring/Summer/Fall/Winter).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval for fair credit, initial discount on first purchase, occasional exclusive offers for Forever 21 shoppers.
Top Negative:
Poor customer service, low credit limits, high APR, issues with rewards redemption, unexpected account closures, difficult to manage online.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One Platinum Secured Card
- Discover it Secured Card
Card Value Score: 40.0 / 100
Est. Annual Rewards: $45.00
Approval Probability: 70.0%
Version Control
PENDINGVersion ID: v2023-10-26