Jared Credit Card
Basic Information
Program ID: jared-galleria-jewelry-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:18
Last Scraped: 01/15/2026 12:19
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: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 3,224.00% - 3,224.00%
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: 3,299.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No traditional sign-up bonus (e.g., points, cash back) is explicitly advertised as a welcome offer for new cardholders on the provided page as of January 2026. The primary card benefits highlighted are special financing options and exclusive cardholder offers.
Rewards Program
Reward Type: Store Credit/Discounts
Base Reward Rate: 0.00%
Bonus Reward Rate: 1.00%
Bonus Categories: Jared Galleria of Jewelry purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points typically expire after 24 months of account inactivity or upon account closure. Specific terms may vary.
Transfer Partners: None
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 - 739
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Eligibility for the Jared Galleria of Jewelry Credit Card requires applicants to be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a satisfactory credit history as determined by BreadFinance. Income verification may be required. New cardholders typically receive special financing offers on qualifying Jared purchases (e.g., 0% APR for X months on purchases over $Y). Specific promotional offers vary and are subject to change. Standard APR applies after the promotional period. This card does not typically feature a traditional sign-up bonus requiring a specific spend interval.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Store cards like Jared's typically do not feature a traditional 'minimum spend interval' for a lump-sum sign-up bonus. Instead, their primary 'bonus' is usually special financing offers (e.g., 0% APR for X months) on qualifying purchases made within specific promotional windows or on initial purchases. Any spend requirements are usually tied to these specific promotional offers and are short-term (e.g., 'purchase over $1000 to qualify for 12 months 0% APR').
Shutdown Risk Triggers: High cumulative credit limit across multiple BreadFinance accounts, excessive returns or suspicious transaction patterns at Jared, missed payments or high utilization on the Jared card or other credit accounts, suspected fraudulent activity, rapid accumulation of multiple new credit accounts (especially from BreadFinance), significant adverse changes in credit profile (e.g., bankruptcy, charge-offs).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.3 / 5.0
Top Positive Feedback:
Easy approval for financing jewelry purchases; frequent special promotions at Jared; helpful for building credit history.
Top Negative Feedback:
Very high interest rates; limited use outside Jared stores; customer service can be difficult; deferred interest can be confusing.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Kay Jewelers Credit Card
- Zales Credit Card
- Capital One Platinum Secured Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0