7
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: ashley-advantage-mastercard
Issuer: BreadFinance
Card Name: Ashley Advantage Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Servicemembers may be entitled to a maximum interest rate of 6% per annum on obligations incurred prior to active duty under the SCRA. To request benefits, active duty orders must be submitted to Comenity Bank.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Ashley HomeStore Purchases | 2x | Cash Back | Purchases at Ashley HomeStore and Ashleyfurniture.com | No Cap | |
| All Other Purchases | 1x | Cash Back | All other purchases everywhere Mastercard is accepted | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 7 Total
PENDINGFinancial 1
No Annual Fee
$0The Ashley Advantage Mastercard has no annual fee.
Shopping 6
Rewards on Ashley Purchases
2 points per $1 (2% back)Earn 2 points for every $1.00 in Net New Purchases made at Ashley HomeStore or AshleyHomestore.com. These points convert to Ashley Rewards Dollars.
Rewards on Everyday Purchases
1 point per $1 (1% back)Earn 1 point for every $1.00 in Net New Purchases made everywhere else Mastercard is accepted. These points convert to Ashley Rewards Dollars.
Special Financing Offers
Varies by offerAccess to special financing offers on qualifying purchases made with the Ashley Advantage Mastercard. Specific offers and terms vary.
Points Expiration
24 monthsPoints earned with the Ashley Advantage Mastercard expire 24 months from the date they are earned.
Ashley Rewards Dollars Expiration
90 daysAshley Rewards Dollars issued from point redemption expire 90 days from the date they are issued.
Rewards Redemption Rate
1,000 points = $101,000 points earned with the Ashley Advantage Mastercard are redeemable for $10 in Ashley Rewards Dollars.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Ashley Advantage Mastercard, issued by BreadFinance, is designed for frequent Ashley HomeStore shoppers. Eligibility requires applicants to be a U.S. resident, 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a good to excellent credit history. Applicants must not have defaulted on any previous BreadFinance credit products. Bonus offers typically include an immediate percentage discount on the first Ashley HomeStore purchase made with the card, or special deferred financing options (e.g., 0% APR for X months on qualifying Ashley HomeStore purchases over a certain threshold). All bonus offers and financing terms are subject to store-specific restrictions and promotional periods.
Max Cards Per Issuer: 1
Min Spend Interval: N/A - Bonuses are typically immediate discounts or deferred financing offers on Ashley HomeStore purchases, rather than requiring a specific spend interval for activation.
Cliff Effect Rules: Not applicable in the traditional sense of 'card families' with shared rewards pools or complex upgrade/downgrade paths. However, holding multiple BreadFinance credit products may influence overall credit limit availability and future application approvals.
Special Events: Exclusive cardholder-only sales events, early access to new product launches and promotions at Ashley HomeStore, special financing offers on large purchases, birthday discounts, and potential loyalty tier benefits based on annual spending.
Holiday Promos: Key promotional periods include Black Friday/Cyber Monday, Memorial Day, Labor Day, 4th of July, Presidents' Day, and various seasonal sales events (e.g., Spring Home Event, Fall Refresh Sale).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.6 / 5.0
Top Positive:
Easy approval process, good for building credit, offers special financing and rewards on Ashley Furniture purchases.
Top Negative:
High APR, poor customer service from Comenity Bank, issues with payment processing and website functionality, limited value for general spending outside of Ashley.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Citi Double Cash Card
- Discover it Secured Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $200.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023