Gymboree Visa® Credit Card
Basic Information
Program ID: gymboree-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:50
Last Scraped: 01/15/2026 11:31
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: | 3% of the amount of each transfer (minimum $5) |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 3.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after requirement is met.
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
Issuer Rules
Rules: Given the historical context of Gymboree's bankruptcy, this analysis assumes a hypothetical re-launch or continued existence of a Gymboree-branded Visa credit card issued by Bread Financial for 2026. Typical eligibility requirements for a Bread Financial Visa card include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing good to excellent credit history. Application is typically online with an instant decision. Bonus rules often involve an initial discount on the first purchase (e.g., 22% off) or a tiered rewards structure (e.g., 5% back on Gymboree purchases, 2% on gas/groceries, 1% everywhere else) with no specific minimum spend for the initial bonus beyond the first purchase. Store-specific restrictions apply to earning and redeeming rewards.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (multiple applications in a short period), high cumulative credit limit across Bread Financial products, missed or late payments, significant changes in credit profile, and abuse of return policies or reward redemptions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.3 / 5.0
Top Positive Feedback:
Good for Gymboree discounts and exclusive offers; relatively easy approval process for store card; initial sign-up bonus is appealing.
Top Negative Feedback:
High APR; customer service issues often reported for Comenity Bank (Bread Financial); rewards are primarily limited to Gymboree purchases; online account management can be clunky.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Old Navy Visa Card
- Target RedCard
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v2023-10-26