Hollister Credit Card
Basic Information
Program ID: hollister-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:52
Last Scraped: 01/15/2026 11:33
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 $5 or 3% 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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 6 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 6 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No traditional fixed-value sign-up bonus (e.g., points, miles, or cash back with a specific spending requirement) is currently advertised on the Hollister Credit Card application page. The primary welcome offer is 20% off your first purchase when you open and use your Hollister Credit Card.
Rewards Program
Reward Type: Store Credit Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Hollister Purchases, 1x All Other Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after issuance if not redeemed, or upon account closure.
Transfer Partners: None
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: Eligibility for the Hollister Visa Credit Card requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a good to excellent credit history (typically FICO score of 670+). Approval is also contingent on sufficient income and ability to pay. New cardholders are generally eligible for a one-time welcome bonus, such as a percentage discount (e.g., 20%) on their first Hollister purchase made within 30 days of account opening, or a points bonus after meeting a specified spending threshold (e.g., $500 in the first 3 months). Store-specific restrictions apply to bonus redemption, earning rates, and promotional offers.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, bust-out fraud, excessive credit seeking (e.g., numerous applications in a short period), high credit utilization, late payments, account inactivity, violation of terms of service, sudden large purchases inconsistent with historical spending patterns, or suspected fraudulent activity.
International Friendly
Terms Version Control
Version ID: v2023-10
IMPORTANT CHANGES TO YOUR ACCOUNT: Effective October 2023, we have updated the Hollister Co. Credit Card Program Agreement. Please review the updated Agreement carefully. Your continued use of your Account will constitute your agreement to the updated Agreement.
Summary of Changes: