Appliances Connection Credit Card
Basic Information
Program ID: appliances-connection-credit-card
Issuer: BreadFinance
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:16
Last Scraped: 01/15/2026 15:18
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: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| 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% - 2,999.00%
Intro Purchase APR: 0.00%
Cash Advance APR: 3,024.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $250.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Store Credit Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Appliances Connection purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after issuance or upon account closure.
Transfer Partners: N/A
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: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion
Issuer Rules
Rules: The Appliances Connection Credit Card, issued by BreadFinance, primarily offers promotional financing options rather than traditional sign-up bonuses. For 2026, expect offers such as 0% APR for 6, 12, or 18 months on qualifying purchases (e.g., purchases over $299, $499, or $999 respectively). Eligibility requirements include being at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating a good to excellent credit history with sufficient verifiable income to support new credit obligations. Applicants with lower credit scores may be approved for a lower credit limit or a different product tier.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Not applicable for traditional spend-based bonuses; primary benefit is promotional financing on qualifying purchases.
Shutdown Risk Triggers: High credit utilization on the card, missed or late payments, excessive credit inquiries (especially for other BreadFinance/Comenity cards), sudden and uncharacteristic large purchases (potential fraud flag), opening numerous new credit lines with other issuers indicating financial distress, or suspected abuse of promotional financing terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.0 / 5.0
Top Positive Feedback:
Access to special financing offers and discounts at Appliances Connection; relatively easy approval for store-specific purchases.
Top Negative Feedback:
High standard APR; poor customer service; issues with deferred interest promotions; limited utility outside of Appliances Connection; difficult to resolve billing disputes.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Wells Fargo Reflect Card
- Lowe's Advantage Card
Card Value Score: 40.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 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