Jared Credit Card

BreadFinance Pending

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4

Benefits

0

Reward Categories

—

Max Reward

35%

APR From
Basic Information
PENDING

Program ID: jared-galleria-jewelry-credit-card

Issuer: BreadFinance

Card Name: Jared Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:18

Last Scraped: Feb 15, 2026 09:33

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

The Servicemembers Civil Relief Act (SCRA) provides protections for servicemembers, including an interest rate cap of 6% per year on certain pre-service obligations.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
$0

The Jared Credit Card does not charge an annual fee for card membership.

Security 1
Online Account Management

Conveniently manage your Jared Credit Card account online, including viewing statements, making payments, and updating personal information.

Shopping 2
Special Financing Offers
Varies by promotion

Access to special promotional financing plans on qualifying purchases made with the Jared Credit Card. Specific terms and minimum purchase requirements apply and are disclosed at the time of purchase.

Exclusive Cardholder Offers
Varies by offer

Receive special discounts, promotions, and exclusive offers available only to Jared 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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 34.99% - 34.99%

Cash Advance APR: 34.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If you do not pay the promotional balance in full by the end of the promotional period, interest will be imposed from the date of purchase at the APR for Purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Jared Galleria of Jewelry Credit Card requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number or ITIN, and possess a verifiable income and credit history (typically fair to good credit is preferred). The card offers special financing promotions, such as 0% APR for a specified period on qualifying purchases over a certain amount, often with deferred interest if the balance is not paid in full by the promotional end date. Card use is strictly limited to Jared Galleria of Jewelry locations (in-store and online) and cannot be used at other retailers, for cash advances, or balance transfers. All special financing offers are subject to credit approval and specific terms and conditions.

Max Cards Per Issuer: 1

Min Spend Interval: N/A - Bonus offers typically apply to specific purchases or special financing terms upon account opening or during promotional periods.

Shutdown Risk Triggers: Defaulting on payments, suspected fraudulent activity, excessive returns, significant negative changes in credit profile (e.g., high utilization on other accounts, new delinquencies), attempting to use the card outside of authorized Jared locations, or violating the cardholder agreement terms.

Cliff Effect Rules: Not applicable in the traditional sense of card families. Cardholders are generally limited to one Jared Galleria of Jewelry credit card account. Applying for multiple store cards from BreadFinance for different retailers may impact creditworthiness but does not typically trigger 'cliff effect' rules specific to this card.

Special Events: Exclusive cardholder-only discounts, early access to new collections and sales events, special financing promotions (e.g., 0% APR for X months on purchases over $Y), birthday rewards, and complimentary jewelry cleaning/inspection services.

Holiday Promos: Valentine's Day, Mother's Day, Father's Day, Graduation Season, Black Friday/Cyber Monday, Christmas/Holiday Season, and Anniversary Sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.2 / 5.0

Top Positive:
Easy approval for store purchases, special financing offers, builds credit if used responsibly, good for specific jewelry purchases.

Top Negative:
High APR, limited use outside of Jared stores, poor customer service experiences, difficult to manage online, frequent credit limit increases without request.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Discover it Secured Credit Card
  • Amazon Store Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0