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 beware, because the David's Bridal Credit Card operates with deferred financing that may end up costing you more than you expect.
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 doesn't offer much in the way of valuable extras. In general, the only real reason to pick up a David's Bridal Credit Card is to take advantage of the special financing deal, which provides six months of interest-free financing for qualified applicants.
But make sure you read the fine print before accepting the David's Bridal Credit Card's special financing. That's because the card uses deferred interest financing, which means you'll need to pay off your entire purchase before the six months are up to avoid being charged interest. If any of your balance remains after the financing terms expire, you'll be required to pay interest fees on the full purchase amount.
David's Bridal Credit Card
- APR: 28.49% as of Jun 2023
- Annual Fee: $0
- Rewards: Receive special financing at David's Bridal
Given that the David's Bridal Credit Card has a massive 28.49% APR, the interest fees you'll be charged when your special financing runs out won't be cheap. For example, a $1,000 dress will 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'll 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 can't be used anywhere but David's Bridal, which severely limits its utility, especially if you don't want to buy everything you need for your big day at one store.
Plus, there isn'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 doesn't have any purchase rewards at all, nor does 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 apply would be if you can't qualify for any of the dozens of better options. But even that may not be an option, as there are no reports of those with low credit scores being approved for the card, which may indicate that you'll need at least fair credit to qualify.
Those who want a David's Bridal Credit Card despite its limitations can apply online via the link below or at any David's Bridal location.
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 is 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 a better rate than the David's Bridal Credit Card — because anything is better than zero.
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.
- $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.
- If you're a 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 no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.99% - 27.99% Variable APR will apply. A 3% fee applies to all balance transfers.
- 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.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% Intro APR for 18 billing cycles for purchases
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0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
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17.99% - 27.99% Variable APR on purchases and balance transfers
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$0
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Excellent/Good
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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 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.
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- 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 21 billing cycles for purchases
|
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days
|
15.99% - 25.99% 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.
- UNLIMITED BONUS: Only 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 - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- 0% intro APR for 15 months on purchases. Then 16.99% - 27.99% 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.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% Intro APR for 15 months
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0% Intro APR for 15 months
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16.99% - 27.99% Variable APR
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$0
|
Excellent/Good
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All in all, the David's Bridal Credit Card is rarely going to be the best card for the job — any job. Most consumers are better off running away with a good rewards card and leaving the David's Bridal Credit Card at the altar.
What Others Say About the David's Bridal Credit Card
The David's Bridal Credit Card is 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.
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
”
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
”
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
”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 need a David's Bridal Credit Card to pay off your purchase — but it's likely a mistake for most shoppers. The card's only appeal is its sub-par deferred interest financing that can 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, 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 28.49% 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 Credit Card or elsewhere.
For better options than the David’s Bridal Credit Card, see our top picks for 2023:
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!
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