Gymboree Credit Card
Basic Information
Program ID: gymboree-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:24
Last Scraped: 01/15/2026 11:01
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | Yes |
| 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: 2,924.00% - 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: $25.00
Spending Requirement: $100.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles (4-8 weeks) after the requirement is met. Statement credits for retail cards often post faster, sometimes within 48-72 hours.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Gymboree purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
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
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: The Gymboree Credit Card, issued by BreadFinance, is designed for frequent shoppers. Eligibility requirements for 2026 include being at least 18 years old, a U.S. resident, and possessing a valid Social Security Number. Approval is subject to a credit check, with BreadFinance typically offering more accessible credit lines for store cards compared to prime bank cards. New cardholders in 2026 are eligible for a 20% discount on their first Gymboree purchase made within 30 days of account opening, plus an additional 500 bonus points after spending $100 outside of Gymboree within the first 90 days. Card benefits are primarily focused on Gymboree purchases, including loyalty points accrual and exclusive discounts.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Missed payments, high credit utilization across all BreadFinance accounts, suspected fraudulent activity, excessive returns at Gymboree, rapid accumulation of new credit accounts with BreadFinance or other issuers, and significant changes in credit score indicating increased risk.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Exclusive discounts and rewards for loyal Gymboree shoppers, special financing offers, and an accessible application process for various credit profiles.
Top Negative Feedback:
High APR, limited utility outside of Gymboree, potential for inconsistent customer service from the issuer, and restrictive reward redemption options.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One QuicksilverOne
- Discover it Secured
Card Value Score: 65.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 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