Hollister Credit Card

BreadFinance Pending

Back Apply Now

6

Benefits

2

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: hollister-visa-credit-card

Issuer: BreadFinance

Card Name: Hollister Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:52

Last Scraped: Feb 07, 2026 04:31

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Active duty Servicemember accounts may be subject to the Servicemembers Civil Relief Act (SCRA). For more information, call 1-800-695-1788.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Hollister & Abercrombie & Fitch Purchases 2x Points Purchases made at Hollister Co. and Abercrombie & Fitch brands, including online and in-store. No Cap
All Other Purchases 1x Points All other purchases made everywhere Visa credit cards are accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
$0

The card does not charge an annual fee for card membership.

Lifestyle 1
Birthday Offer
Varies

Receive a special offer or discount during your birthday month.

Shopping 4
Hollister & abercrombie kids Rewards Earning Rate
2 points per $1

Earn 2 points for every $1 spent on purchases at Hollister Co. and abercrombie kids.

Everywhere Else Rewards Earning Rate
1 point per $1

Earn 1 point for every $1 spent on purchases made everywhere else Visa is accepted. This benefit applies only to the Hollister Visa Credit Card.

Rewards Redemption
$5 reward per 2,500 points

Receive a $5 reward for every 2,500 points accumulated.

Exclusive Cardholder Offers
Varies by offer

Access to special promotions and discounts available only to Hollister Visa Credit Cardholders.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Balance Transfer: Either $5 or 3% of the amount of each balance 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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If you do not pay the full promotional balance before the end of the promotional period, interest will be imposed from the date of purchase at the standard APR for purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be a U.S. resident, 18 years or older, possess a valid Social Security Number, and demonstrate a good to excellent credit history (typically FICO score of 670+) with verifiable income. Bonus Rule (Hypothetical for 2026): New cardholders receive 20% off their first Hollister purchase made within 30 days of account opening. Earn 5x points on all Hollister purchases (in-store and online) and 1x point on all other eligible Visa purchases. Points are redeemable for Hollister merchandise, discounts, or exclusive offers. Store-specific restrictions apply to point redemption and promotional offers.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all BreadFinance accounts, late payments, defaulting on any BreadFinance accounts, suspicious or fraudulent activity, excessive returns, rapid increase in credit utilization without corresponding income, account inactivity followed by sudden large transactions.

Cliff Effect Rules: BreadFinance (formerly Comenity) does not typically enforce strict 'card family' rules that restrict applications based on other cards within the same brand family. However, overall credit exposure and the total number of open credit lines with BreadFinance will significantly influence approval for any new product. While it's possible to hold both a Hollister store card and a Hollister Visa, the cumulative credit limit across all BreadFinance products will be managed based on creditworthiness and risk assessment.

Special Events: Exclusive cardholder discounts, early access to sales events, birthday rewards, double or triple points days on specific categories or during promotional periods, free shipping offers for online purchases, and members-only product launches.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Back-to-School, Summer Sales, Spring Break promotions, and other seasonal clearance events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for fair credit, exclusive Hollister discounts and rewards, occasional special financing offers.

Top Negative:
High APR, poor customer service from issuer (Bread Financial), rewards limited to Hollister, online account management issues.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • American Eagle Outfitters Credit Card
  • Old Navy Credit Card
  • Capital One Platinum Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0