True Value Discover® Credit Card
Basic Information
Program ID: true-value-discover-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Discover
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:30
Last Scraped: 01/15/2026 14:31
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: | 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: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts to your account within 1-2 billing cycles after the qualifying purchases are made and post to your account.
Rewards Program
Reward Type: Cashback
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x cashback on quarterly rotating categories (e.g., Gas Stations, Restaurants, Amazon.com, Grocery Stores, Home Improvement Stores including True Value), 1x cashback on all other purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cashback rewards do not expire as long as the account is active.
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: 700 - 800
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Eligibility for the True Value Discover Credit Card requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident, possess a valid Social Security Number or ITIN, and meet BreadFinance's creditworthiness standards. The welcome bonus for 2026 is a 15% discount on the first True Value purchase made within 30 days of account opening, up to a maximum discount of $75. Application can be completed online via BreadFinance or in-store at True Value locations, with instant decision often available. Approval is subject to a credit check. Store-specific restrictions apply, meaning rewards and discounts are primarily redeemable at True Value stores and may exclude certain items like gift cards, services, or specific departments as outlined in the True Value loyalty program terms.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases or reselling), high cumulative credit limit across all BreadFinance accounts, unusual spending patterns inconsistent with typical True Value purchases, excessive returns, defaulting on other BreadFinance products, or opening multiple BreadFinance store cards in a short period.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.5 / 5.0
Top Positive Feedback:
Convenient for frequent True Value shoppers, offers good rewards on True Value purchases, and provides special financing options.
Top Negative Feedback:
Frequent complaints about Comenity Bank's customer service, high APR, limited utility outside of True Value, and issues with account management.
Approval Experience Score: 60.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Home Depot Consumer Credit Card
- Discover it® Cash Back
Card Value Score: 55.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 60% Store / 40% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023