Hollister Credit Card
Basic Information
Program ID: hollister-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:26
Last Scraped: 01/15/2026 11:03
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: | 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: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,999.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20.00
Spending Requirement: $50.00
Time Period: 30 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on Hollister purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
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
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
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: The Hollister Credit Card, issued by BreadFinance (formerly Comenity), is primarily designed for loyal Hollister shoppers. Eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and meet BreadFinance's internal creditworthiness criteria. While store cards often have more lenient credit requirements than general-purpose cards, a stable income and reasonable credit history are expected. Applications can be submitted online via the Hollister or BreadFinance website, or in-store. This card typically does not offer a traditional sign-up bonus with a spend requirement. Instead, benefits include ongoing discounts (e.g., a percentage off first purchase, subsequent purchases, or specific categories), exclusive cardholder-only promotions, birthday discounts, and potential special financing offers on qualifying Hollister purchases.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Not applicable; this card typically offers ongoing benefits and discounts rather than a one-time sign-up bonus requiring an initial spend threshold.
Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across all BreadFinance accounts relative to income, excessive credit seeking (numerous applications in a short period), late payments or defaults on any BreadFinance account, suspicious activity or fraud, abuse of promotional offers or return policies, and prolonged account inactivity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval for store loyalists, offers exclusive discounts and rewards for Hollister purchases, good for building credit.
Top Negative Feedback:
High APR, rewards are limited to store purchases, low credit limits, customer service can be difficult to reach.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Credit Card
- Discover it® Secured Credit Card
- Mission Lane Visa™ Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 30% General / 70% Store
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: January 2024