Appliances Connection Credit Card

BreadFinance Pending

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4

Benefits

2

Reward Categories

3x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: appliances-connection-credit-card

Issuer: BreadFinance

Card Name: Appliances Connection Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:16

Last Scraped: Feb 11, 2026 12:37

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
AppliancesConnection.com Purchases 3x Points Net Eligible Purchases made at AppliancesConnection.com No Cap
All Other Purchases 1x Points Net Eligible Purchases made everywhere else Visa credit cards are accepted No Cap
Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
$0

The Appliances Connection Credit Card does not charge an annual fee for card membership.

Lifestyle 1
Online Account Management
Convenience

Cardholders can conveniently manage their Appliances Connection Credit Card account online, including viewing statements, making payments, and updating personal information securely.

Shopping 2
Special Financing Offers
Varies by promotion

Cardholders can take advantage of special financing promotions on qualifying purchases made at Appliances Connection. These offers typically include deferred interest or 0% APR for a specified period, subject to minimum purchase requirements and credit approval.

Exclusive Cardholder Offers
Varies by offer

Access to special discounts, promotions, and sales events exclusively for Appliances Connection 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
PENDING

$50

Cash Back

Requirement: Spend $500 in 90 days

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
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

Promo Duration: 24 months

⚠️ IMPORTANT: The APR for Purchases will apply to the promotional balance if you do not pay the promotional balance in full by the end of the promotional period or if you make a late payment. This means that interest will be charged to your account from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Applicants for the Appliances Connection Credit Card in 2026 must be 18 years or older, a U.S. resident with a valid Social Security Number, and meet BreadFinance's creditworthiness criteria, including income and credit history requirements. The primary new cardholder benefit is 0% APR for 24 months on qualifying Appliances Connection purchases of $999 or more made within the first 30 days of account opening. Standard variable APR applies thereafter. Existing BreadFinance account holders may be subject to additional review for new applications, and approval is not guaranteed.

Max Cards Per Issuer: 5

Min Spend Interval: N/A (Benefit tied to qualifying purchases, not a traditional spend-based bonus period)

Shutdown Risk Triggers: Excessive credit seeking (e.g., multiple applications across BreadFinance brands in a short period), high cumulative credit limit across all BreadFinance accounts, manufactured spending (though less common for store cards), payment defaults or late payments, sudden large purchases inconsistent with typical spending patterns, or suspected fraudulent activity.

Cliff Effect Rules: BreadFinance does not typically enforce 'card family' specific cliff effect rules similar to major issuers (e.g., Chase 5/24). However, rapid applications for multiple BreadFinance-issued cards within a short timeframe (e.g., 90 days) may lead to application denials or lower credit limits due to perceived credit seeking behavior or overextension.

Special Events: Seasonal sales events (e.g., Spring Home Event, Fall Refresh), major holiday sales (e.g., Memorial Day, Labor Day, President's Day, 4th of July), and exclusive cardholder-only discount days or early access to sales.

Holiday Promos: Black Friday/Cyber Monday (November-December), Christmas/New Year (December-January), Memorial Day (May), Labor Day (September), President's Day (February), 4th of July (July).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Good for financing large purchases at Appliances Connection; exclusive discounts and special financing offers available.

Top Negative:
High interest rates; limited use outside of Appliances Connection; customer service can be slow or unhelpful.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Lowe's Advantage Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023