Abercrombie & Fitch Credit Card

BreadFinance Pending

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9

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: abercrombie-and-fitch-credit-card

Issuer: BreadFinance

Card Name: Abercrombie & Fitch Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:12

Last Scraped: Feb 11, 2026 06:36

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible active duty Servicemembers may qualify for benefits under the Servicemembers Civil Relief Act (SCRA). To learn more, contact Comenity Bank.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Abercrombie & Fitch Purchases 2x Points Purchases made at Abercrombie & Fitch stores and abercrombie.com No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted No Cap
Rewards Summary
PENDING

Reward Type: Points

Bonus Rate: 2x

Categories: Abercrombie & Fitch purchases

Quarterly Rotating: No

Expiration Policy: Points expire 12 months after they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Points are redeemable for store credit in increments of $10.

Benefits & Protections (Detailed) 9 Total
PENDING
Financial 1
No Annual Fee
$0

There is no annual fee charged for maintaining your Abercrombie & Fitch Credit Card account.

Lifestyle 1
Special Birthday Offer
Varies by offer

Receive a special discount or offer during your birthday month as an Abercrombie & Fitch Credit Cardholder and A&F Club member.

Security 2
Zero Fraud Liability

You are protected against unauthorized purchases made with your card or account information. You will not be held responsible for fraudulent charges.

Online Account Access

Manage your account online 24/7, including viewing statements, making payments, tracking rewards, and updating personal information.

Shopping 5
A&F Club Membership

Automatic enrollment in the A&F Club rewards program, providing access to exclusive offers, rewards, and member-only benefits.

Accelerated Points Earning at Abercrombie & Fitch
2 points per $1

Earn 2 points for every $1 spent on purchases at Abercrombie & Fitch stores and abercrombie.com using your Abercrombie & Fitch Credit Card.

Points Earning on Everyday Purchases
1 point per $1

Earn 1 point for every $1 spent on all other purchases made everywhere Visa is accepted, outside of Abercrombie & Fitch, using your Abercrombie & Fitch Credit Card.

Redeemable Reward Certificates
$10 for every 2,500 points

Accumulated points are converted into reward certificates. Receive a $10 reward certificate for every 2,500 points earned, redeemable towards future purchases at Abercrombie & Fitch.

Exclusive Cardholder Promotions
Varies by promotion

Access to exclusive promotions, discounts, and early access to sales events available only to Abercrombie & Fitch 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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Abercrombie & Fitch Credit Card, issued by BreadFinance, is primarily designed for loyal customers. Eligibility typically requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria, which generally accommodates fair to good credit scores. Bonus rules for 2026 are anticipated to follow typical store card patterns: an immediate discount (e.g., 20% off) on the first purchase made with the card upon account opening. Ongoing rewards are expected to be structured as points per dollar spent at Abercrombie & Fitch and its family of brands (e.g., Hollister, Abercrombie Kids), redeemable for future store credit or discounts. Tiered rewards based on annual spending thresholds may also be in place, offering enhanced benefits for higher spenders.

Max Cards Per Issuer: 7

Min Spend Interval: Initial bonuses are typically applied to the first purchase or are immediate upon account opening. For any potential future spend-based bonuses (less common for store cards), the interval would likely be a short window, such as 30-90 days from account opening.

Shutdown Risk Triggers: Common triggers for account shutdown or adverse action include: missed or consistently late payments, high credit utilization on the Abercrombie & Fitch card or across other BreadFinance accounts, suspicious or fraudulent activity, defaulting on other credit products issued by BreadFinance, opening an excessive number of credit accounts in a short period (though BreadFinance is generally more lenient than prime issuers), and abuse of return policies or promotional offers.

Cliff Effect Rules: The Abercrombie & Fitch Credit Card generally operates as a standalone product within BreadFinance's portfolio. There are typically no complex 'card family' rules or restrictions on earning bonuses across different BreadFinance-issued store cards, beyond general creditworthiness and overall credit exposure limits.

Special Events: Cardholders can anticipate exclusive access to sales, early shopping events, birthday discounts, and special promotional days (e.g., double points events, extra percentage off for cardholders) throughout the year, particularly tied to seasonal collections and new product launches.

Holiday Promos: Expect enhanced promotional offers and bonus earning opportunities during major retail holidays, including but not limited to: Black Friday, Cyber Monday, the full Christmas/Holiday shopping season, Valentine's Day, Mother's Day, Father's Day, Memorial Day, Labor Day, and Back-to-School periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy to get approved, good discounts and rewards for Abercrombie & Fitch purchases, occasional special financing offers.

Top Negative:
High APR, poor customer service from Comenity, limited rewards outside of Abercrombie & Fitch, frequent payment processing issues.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Capital One SavorOne Cash Rewards Credit Card
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Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: 2023-10