Ashley Advantage Mastercard
Basic Information
Program ID: ashley-advantage-mastercard
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:18
Last Scraped: 01/15/2026 15:20
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| 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%
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: $100.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: Specific 2026 bonus categories for Ashley Advantage Mastercard from BreadFinance are not publicly available or predictable by AI. Common bonus categories for similar cards include: 5x on Ashley HomeStore purchases, 3x on Dining, 2x on Groceries, 1x on all other eligible purchases.
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Specific 2026 transfer partners for Ashley Advantage Mastercard from BreadFinance are not publicly available or predictable by AI. If available, partners typically include major airlines (e.g., Delta, United, American) and hotel chains (e.g., Hilton, Marriott, Hyatt).
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Ashley Advantage Mastercard requires applicants to be at least 18 years of age (19 in AL/NE, 21 in PR), possess a valid US Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a verifiable US mailing address. Approval is contingent upon meeting BreadFinance's creditworthiness criteria, typically requiring good to excellent credit. New cardholders are eligible for a sign-up bonus, such as 10% off their first Ashley Furniture purchase (up to a maximum of $200) made within 30 days of account opening. This bonus is subject to store-specific restrictions and may not be combinable with all other promotions or applicable to certain excluded items (e.g., gift cards, clearance). BreadFinance may also enforce limits on the frequency of new account openings across its product portfolio, generally allowing one new BreadFinance-issued card every 6 months.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 30 days
Shutdown Risk Triggers: Manufactured spending, excessive returns, unusual spending patterns inconsistent with typical retail purchases, defaulting on payment obligations, suspected fraudulent activity, high cumulative credit limit across BreadFinance products, or repeated violations of cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Offers special financing options for Ashley purchases, can be useful for building credit, occasional store-specific discounts.
Top Negative Feedback:
High interest rates, limited rewards outside of Ashley Furniture, customer service can be inconsistent.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne
- Amazon Store Card
- Discover it Secured
Card Value Score: 45.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 60% General / 40% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0