The Ultimate Guide to Credit Cards
Tuesday, February 20, 2024

David’s Bridal Credit Card Review (Feb. 2024)

David’s Bridal Credit Card Review
Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer
Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

See full bio »

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

See full bio »

Reviewed by: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

See full bio »
Advertiser Disclosure

The David's Bridal Credit Card is no longer open to new applicants as of September 1, 2022, and existing accounts have been reported as closed to the major credit bureaus. Unpaid balances can still be serviced by Comenity Capital Bank.

David's Bridal was founded by David Reisberg in 1950 as a small bridal boutique in Fort Lauderdale, Florida. In 1972, Phillip Youtie purchased the salon and began to expand the brand into new locations. Today, David's Bridal stores can be found in all 50 states, with more than 300 locations throughout the US, Canada, Mexico, and the UK.

Given that wedding dresses average over $1,000, it makes sense that a bride-focused brand like David's Bridal would offer a store credit card with special financing to help hopeful brides afford their dress. But the David's Bridal Credit Card operated with deferred financing that cost cardholders more than they expected.

Better Cards to Use at David's Bridal

With no rewards, no perks, and only mediocre financing as its selling point, the David's Bridal Credit Card was far from being a winner — especially when you consider the dozens of rewards cards and intro-APR offers that make better options for saving on your dress.

Cash Back

Although few cash back rewards credit cards will offer bonus rewards for David's Bridal purchases, even the most basic rewards card will offer something — because anything is better than nothing.

Even better, most rewards credit cards come with valuable signup bonuses that can easily be met by an average wedding dress purchase. You can even find a number of great cash back rewards cards with intro-APR offers so you can enjoy interest-free dress buying.

Bank of America® Customized Cash Rewards credit card Review

at Bank Of America'ssecure website

CASH BACK RATING

★★★★★

4.9

OVERALL RATING

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 billing cycles for purchases
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
18.24% - 28.24% Variable APR on purchases and balance transfers
$0
Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

0% APR

If you're looking to finance your dress purchase with a credit card and have at least fair credit, you can likely find a much better deal than that what was provided by the David's Bridal Credit Card, if only due to the lack of deferred financing that means you won't be charged back interest if you need more time to repay your purchase. With good to excellent credit, you can find even better deals, with 12 months or more of interest-free purchasing and the option to earn rewards.

Bank of America® Customized Cash Rewards credit card Review

at Bank Of America'ssecure website

0% INTRO APR RATING

★★★★★

4.8

OVERALL RATING

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 billing cycles for purchases
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
18.24% - 28.24% Variable APR on purchases and balance transfers
$0
Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

Travel Rewards

Considering the high cost of most dresses, wouldn't it be nice if you could get a little extra out of that big expense? If you use a good travel rewards credit card to purchase your dress, you could earn points or miles that can be redeemed for free airfare, hotel stays, and other travel expenses that can help you afford the honeymoon of your dreams.

Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★

4.9

OVERALL RATING

  • UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 17.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
17.24% - 28.24% Variable APR
$0
Excellent/Good

All in all, the David's Bridal Credit Card wasn't the best card for the job — any job. Most consumers were better off running away with a good rewards card and leaving the David's Bridal Credit Card at the altar.

David's Bridal Card Overall Rating: 1.8/5.0

For loyal brand shoppers, store credit cards can often unlock exclusive deals and rewards that encourage consumers to keep coming back. Unfortunately, the David's Bridal Credit Card didn't offer much in the way of valuable extras. In general, the only real reason to pick up a David's Bridal Credit Card was to take advantage of the special financing deal, which provided six months of interest-free financing for qualified applicants.

But the card used deferred interest financing, which meant you'd need to pay off your entire purchase before the six months were up to avoid being charged interest. If any of your balance remained after the financing terms expired, you'd be required to pay interest fees on the full purchase amount.

David's Bridal Credit Card

  • APR: N/A as of Feb 2024
  • Annual Fee: $0
  • Rewards: Received special financing at David's Bridal
★★ 1.8/5.0

Given that the David's Bridal Credit Card had a massive APR, the interest fees you'd be charged when your special financing ran out wouldn't be cheap. For example, a $1,000 dress would cost an extra $140 after six months of accruing interest with a 28% APR — hardly a deal. And it's not as if no interest for six months means you won't need to make payments; you'd still be on the hook for minimum monthly payments throughout your interest-free promotional period.

Another downside of the David's Bridal Credit Card is that it couldn't be used anywhere but David's Bridal, which severely limited its utility, especially if you don't wanted to buy everything you need for your big day at one store.

Plus, there wasn't much to recommend the David's Bridal Credit Card outside of the special financing. Unlike most store cards, the David's Bridal Credit Card didn't have any purchase rewards at all, nor did it offer free shipping or come with any other cardholder perks except for the nebulous promise of occasional cardholder promotions.

Approval Requirements & Application

Given the limitations of the David's Bridal Credit Card, about the only reason to have applied for it would have been if you couldn't qualify for any of the dozens of better options. But even that may not have been an option, as there are no reports of those with low credit scores being approved for the card, which may indicate that you needed at least fair credit to qualify.

What Others Said About the David's Bridal Credit Card

The David's Bridal Credit Card was generally given few compliments, with many reviewers reporting that the special financing and deferred interest were not adequately disclosed before they signed up for the card. Others report being misled about the type of credit inquiry that would be used to evaluate their applications. The card's customer service is also at the center of several consumer complaints.

my3cents.com
A review from my3cents.com says:

When purchasing a wedding gown David's Bridal sales associate did not inform me that the 6 months no interest would begin at the time the dress was purchased, although the dress did not come into the store until a month before the wedding. The fees incurred are inflated and the finance charge is over the top. The sales people talk you into getting a credit card and they do a good job of sucking you into paying more money than what you are paying for the gown with the finance charges. Please do not be taken by the smoke and mirrors they portray at David's Bridal. Purchase your gown and do not finance it. Biggest ripoff I have ever seen. Pathetic!!! — my3cents.com

1.0/5.0
CreditKarma.com
A review from CreditKarma.com says:

I am NOT HAPPY that they told me it was going to be a soft credit check and instead it was a hard credit check. I’ve been meticulously building and checking my credit and JUST finally had a good credit score built, literally overnight my credit dropped 25 points from having this card. At least I can just pay my dress off in 6 months with no interest and then shred the card and never use it again. I’m mad they lied to me about it. Is that even legal???? — CreditKarma.com

1.0/5.0
ConsumerAffairs.com
A review from ConsumerAffairs.com says:

I'm seriously disappointed with the store's service and the credit card service. I purchased my wedding dress in your Bismarck store on November 11th. Both ladies that were helping me were wonderful to us until your store card came up. My fiancée and two friends were with me. I found my dream dress for $600. I didn't have enough money to purchase with cash. I was informed that there was an interest free promotion going. I asked if I put this purchase on your store card when interest would start and was told August. I did not get approved but I got my mom on the phone and she was also assured we had until August before interest would hit. She was approved. Trusting these ladies, I also purchased other accessories which made the purchase total close to $1300. My mother opened the statement yesterday and found a $134 interest charge!! We were lied to!! I called the store back and not a single person there was willing to say anything to me other than we only offer six months! Had I known I was being lied to I would have never added the other accessories. What makes me more mad is that nobody I talked to in store gave a crap I was lied to. I will NEVER set foot in another David's bridal store again! — ConsumerAffairs.com

1.0/5.0

Is the David's Bridal Card Right for You?

Basking in the glow of impending nuptials and picking the dress of your dreams, it can be easy to fall sway to the convincing salesperson who is just certain you needed a David's Bridal Credit Card to pay off your purchase — but it was likely a mistake for most shoppers. The card's only appeal was its sub-par deferred interest financing that could easily turn into hundreds of dollars worth of interest you didn't think you'd have to pay.

Whether you're looking to earn rewards on your dress purchase or simply get a little more time to pay it off, there's likely an all-purpose, open-loop credit card that can do a better job than the David's Bridal Credit Card could, and you'll be able to use it for far more than just your dress.

Final Word on the David's Bridal Credit Card

We rated the David’s Bridal Credit Card a 1.8/5.0, with it’s N/A APR on purchases being a major factor in that rating. We generally recommend using credit cards with a lower APR and better set of rewards, whether you’re shopping at David’s Bridal or elsewhere.

For better options than the David’s Bridal Credit Card, see our top picks for 2024:

If you decide the David’s Bridal Credit Card or another card is right for you, be sure to know all the terms and details before applying. Happy shopping!

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.