Abercrombie & Fitch Mastercard
Basic Information
Program ID: abercrombie-and-fitch-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:12
Last Scraped: 01/15/2026 15:14
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,824.00% - 3,024.00%
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: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The current welcome offer is an immediate 20% discount applied at checkout on the first purchase when you open and use your Abercrombie & Fitch Credit Card. There is no traditional points, miles, or cash back bonus that posts after a spending requirement.
Rewards Program
Reward Type: Loyalty Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 15.00%
Bonus Categories: 15x Abercrombie & Fitch, abercrombie kids, Hollister, Gilly Hicks purchases; 1x on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after issuance if not redeemed, or upon account closure.
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For the Abercrombie & Fitch Credit Card issued by BreadFinance in 2026, eligibility typically requires applicants to be at least 18 years of age, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a fair to good credit history. While specific 2026 bonus rules are subject to change, store cards commonly offer an initial sign-up discount (e.g., 20% off first purchase) or a small statement credit after an initial spend within the first 30-90 days. Application is primarily online via the Abercrombie & Fitch website or in-store, requiring personal and financial information for a credit check. Approval is instant or within a few business days.
Maximum Cards Per Issuer: 0
Minimum Spend Interval: N/A for typical store card sign-up offers (often immediate discount); if a spend bonus were introduced, typically 3 months.
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance products, repeated late payments, exceeding credit limits, suspected fraudulent activity, significant changes in credit profile (e.g., bankruptcy), prolonged account inactivity, or violation of cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Good rewards for frequent Abercrombie & Fitch shoppers, exclusive discounts and birthday offers, relatively easy approval for building credit.
Top Negative Feedback:
High APR, poor customer service from Comenity/Bread Financial, rewards are store-specific and expire, low credit limits, frequent account issues and unexpected closures.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Discover it Cash Back
- Target RedCard
Card Value Score: 40.0 / 100
Est. Annual Rewards: $60.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023