7
Benefits4
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: true-value-discover-credit-card
Issuer: BreadFinance
Card Name: True Value Discover® Credit Card
Card Type: Credit
Network: Discover
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
The Military Lending Act (MLA) provides protections for active duty service members and their dependents, including a 36% Military Annual Percentage Rate (MAPR) cap for covered borrowers.
Rewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| True Value Purchases | 3x | Points | Eligible purchases made at True Value stores and TrueValue.com. | No Cap | |
| Gas | 2x | Points | Eligible purchases made at gas stations. | No Cap | |
| Dining | 2x | Points | Eligible purchases made at restaurants. | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases everywhere Discover is accepted. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 7 Total
PENDINGSecurity 2
Zero Fraud Liability
Full protection against unauthorized chargesYou are not responsible for unauthorized purchases made with your True Value Discover Credit Card. This protection applies if you promptly report the unauthorized use.
Online Account Access
24/7 online accessSecurely manage your True Value Discover Credit Card account online 24/7. Features include viewing statements, making payments, tracking rewards, and updating personal information.
Shopping 5
True Value Rewards Program - True Value Purchases
3 points per $1Earn 3 points for every $1 spent on qualifying purchases at True Value stores and TrueValue.com using your True Value Discover Credit Card. Points are automatically added to your rewards balance.
True Value Rewards Program - Everyday Purchases
1 point per $1Earn 1 point for every $1 spent on qualifying purchases everywhere else Discover is accepted using your True Value Discover Credit Card. Points are automatically added to your rewards balance.
True Value Reward Certificates
$5 certificate for 2,500 pointsFor every 2,500 points earned, you will receive a $5 True Value Reward Certificate. Certificates are redeemable towards purchases at True Value stores and TrueValue.com.
First Purchase Discount
10% off first purchaseGet 10% off your first qualifying True Value purchase made with your new True Value Discover Credit Card. Discount is applied at the time of purchase.
Special Financing on True Value Purchases
Varies by offerAccess to promotional financing offers on qualifying purchases made at True Value stores and TrueValue.com. These offers may include deferred interest or equal payment plans, subject to specific terms and minimum purchase requirements.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $30.00 |
| 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 32.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requires applicants to be at least 18 years old, a US resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's credit underwriting standards. The typical bonus for new cardholders is a $25 statement credit after spending $250 at True Value stores within the first 90 days of account opening. Applications are primarily online via the BreadFinance portal or in-store, often with instant decisioning.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Not applicable. The True Value Discover Credit Card is typically a standalone store-branded credit product without complex card family rules or restrictions on applying for other BreadFinance cards, though cumulative credit limits are closely monitored.
Special Events: Exclusive cardholder discounts on specific product categories (e.g., 10-15% off paint, tools, or seasonal items), double points days for True Value purchases, special financing offers on large purchases, and seasonal sales events (e.g., Spring Home Improvement, Fall Fix-Up, Holiday Decorating).
Holiday Promos: Major US retail holidays including Memorial Day, 4th of July, Labor Day, Black Friday, Cyber Monday, and the Christmas/New Year shopping season. Specific True Value seasonal events like Spring planting and Fall maintenance periods may also feature promotions.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Good rewards for True Value purchases, easy to get approved, useful for home improvement projects.
Top Negative:
High APR, poor customer service (Comenity), limited rewards outside True Value, can be difficult to manage account online.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Home Depot Consumer Credit Card
- Discover it Cash Back
Card Value Score: 60.0 / 100
Est. Annual Rewards: $130.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v2023.10