Goody's Credit Card
Basic Information
Program ID: goodys-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:22
Last Scraped: 01/15/2026 12:23
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each 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
Purchase APR Range: 2,924.00% - 3,024.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,124.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.01
Time Period: 0 days
Bonus Timing: Save 20% on your first purchase. The discount is typically applied at the point of sale or as a statement credit shortly after the qualifying first purchase. The bonus is tied to the first transaction made after account opening, with no explicit time limit to make that first purchase.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on Travel booked through BreadFinance Portal; 3x on Dining and Groceries; 1x on all other eligible purchases.
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active.
Transfer Partners: United Airlines, Southwest Airlines, Hyatt Hotels, Marriott Bonvoy
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Goody's Credit Card from BreadFinance has the following application and bonus rules: **Application Eligibility:** Applicants must be 18 years or older, possess a valid U.S. Social Security Number (SSN) or Individual Tax Identification Number (ITIN), maintain a U.S. mailing address, and meet BreadFinance's creditworthiness criteria (typically requiring fair to good credit). Income verification may be required. **Bonus Rule:** New cardholders receive a 20% discount on their first Goody's purchase made within 30 days of account opening, up to a maximum discount of $100. Additionally, earn a $50 statement credit after spending $500 outside of Goody's stores within the first 90 days of account opening. **Store-Specific Restrictions:** Rewards and promotional offers are primarily redeemable at Goody's stores or online at goodys.com. Certain categories of purchases (e.g., gift cards, services, or specific brands) may be excluded from earning rewards or qualifying for promotional offers. Refer to the cardholder agreement for a complete list of exclusions.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of bills via third-party services to meet spend requirements), high cumulative credit limit across all BreadFinance products relative to reported income, rapid application for multiple credit products from BreadFinance or other issuers, suspicious spending patterns inconsistent with historical behavior, failure to make timely payments or defaulting on other BreadFinance accounts, bust-out fraud (maxing out credit lines with no intent to repay), repeated opening and closing accounts solely for signup bonuses.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy to get approved, good for building credit, offers discounts and special financing at Goody's.
Top Negative Feedback:
High interest rates, limited acceptance outside Goody's, customer service can be difficult to reach, rewards are only useful for store purchases.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Card
- Discover it Secured Card
- Kohl's Charge
Card Value Score: 60.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 24 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0