Goody's Credit Card

BreadFinance Pending

Back Apply Now

3

Benefits

2

Reward Categories

2x

Max Reward

35%

APR From
Basic Information
PENDING

Program ID: goodys-credit-card

Issuer: BreadFinance

Card Name: Goody's Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:22

Last Scraped: Feb 07, 2026 04:39

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Comenity Bank and Comenity Capital Bank offer assistance to active duty Servicemembers and their dependents under the Servicemembers Civil Relief Act (SCRA), which may include benefits like interest rate reductions.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Goody's Purchases 2x Points Earn 2 points for every $1 spent on Net Eligible Purchases made at Goody's stores or online at goodys.com. No Cap
All Other Purchases 1x Points Earn 1 point for every $1 spent on Net Eligible Purchases made with your Goody's Credit Card everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Shopping 3
Accelerated Rewards Earning at Goody's and Family of Brands
2 points per $1 spent

Cardholders earn 2 points for every $1.00 in Net Eligible Purchases made with their Goody's Credit Card at Goody's and other stores in the family of brands.

Standard Rewards Earning on All Other Purchases
1 point per $1 spent

Cardholders earn 1 point for every $1.00 in Net Eligible Purchases made with their Goody's Credit Card everywhere Visa credit cards are accepted, outside of Goody's and other family of brands stores.

Rewards Certificate Redemption
$10 certificate for 200 points

For every 200 points earned, cardholders will receive a $10 Rewards Certificate. Certificates are valid for 90 days from the date of issuance and can be used at Goody's and other stores in the family of brands.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
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: 34.99% - 34.99%

Cash Advance APR: 34.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Application Rules: Applicants must be 18 years or older, a U.S. resident with a valid SSN or ITIN, and demonstrate sufficient income to support new credit. A good to excellent credit history (typically FICO score 670+) is generally required. Applicants should not have filed for bankruptcy in the last 7 years and are generally limited to no more than 2 new BreadFinance accounts within a 12-month period. Bonus Rule: New cardmembers receive a 20% discount on their first Goody's purchase made within 30 days of account opening, plus a $50 statement credit after spending $500 outside of Goody's stores within the first 90 days of account opening.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all BreadFinance accounts, excessive credit applications with BreadFinance in a short period, suspicious spending patterns inconsistent with typical retail use, default or severe delinquency on any BreadFinance product, abuse of promotional offers or return policies.

Cliff Effect Rules: No specific 'card family' cliff rules apply to the Goody's credit card. However, BreadFinance enforces a cumulative credit exposure limit across all accounts issued by them. Reaching this internal limit may impact eligibility for new cards or credit limit increases, regardless of individual card performance.

Special Events: Exclusive cardmember-only discount days (e.g., 'Goody's Cardmember Appreciation Day'), seasonal sales events (e.g., 'Spring Fashion Event', 'Back-to-School Savings'), double points on specific product categories during promotional periods, early access to sales.

Holiday Promos: Black Friday/Cyber Monday week (typically Thanksgiving week), Christmas/Holiday Shopping Season (November 15th - December 24th), New Year's Sale (December 26th - January 10th), Mother's Day, Father's Day, and other major U.S. holidays.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy to get approved for, offers good discounts and rewards for frequent Goody's shoppers, helps build credit.

Top Negative:
High interest rates, limited acceptance outside of Goody's stores, frequent complaints about Comenity's customer service and account management.

Approval Experience: 65.0 / 100

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

Card Value Score: 45.0 / 100

Est. Annual Rewards: $85.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0