Bed Bath & Beyond Mastercard®
Basic Information
Program ID: bed-bath-and-beyond-mastercard
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:20
Last Scraped: 01/15/2026 15:22
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | Yes |
| 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 balance 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: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
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: No active sign-up bonus found for new applicants as of January 2026. The Bed Bath & Beyond credit card program, as previously offered by Comenity/Bread Finance, has been discontinued for new applications following the brand's transformation.
Rewards Program
Reward Type: N/A - Program Terminated
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The Bed Bath & Beyond Mastercard program, issued by Bread Financial, was terminated following Bed Bath & Beyond's bankruptcy and liquidation in 2023. There are no active reward details for January 2026.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Card program terminated. No rewards are active or accrue for 2026.
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 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: As of 2026, the original Bed Bath & Beyond Mastercard program is discontinued due to the bankruptcy and closure of Bed Bath & Beyond stores in 2023. Therefore, there are no new application or bonus rules for this specific card. Hypothetically, if a successor program or re-branded card were to exist under Bread Finance for a similar retail entity, typical rules would include: **Bonus Rule**: Earn 5% back in rewards on purchases made at the associated retail brand, 2% back on gas and groceries, and 1% back on all other eligible purchases. New cardholders typically receive a sign-up bonus, such as a $25 statement credit or a percentage off their first purchase, upon account opening or after their first purchase within 90 days. Rewards are generally issued as certificates redeemable at the associated store. **Application Rules & Eligibility**: Applicants must be at least 18 years old, a U.S. resident, and possess a valid Social Security Number. Approval is subject to creditworthiness, generally requiring a fair to good credit score (e.g., FICO 670+). Existing Bread Finance cardholders may undergo additional review based on their current credit limits and payment history with the issuer. Store-specific restrictions apply to reward redemption and promotional offers.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Bread Finance accounts, missed payments, high credit utilization, suspected fraudulent activity, excessive returns or abuse of store policies, opening multiple accounts with the issuer in a short period, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.5 / 5.0
Top Positive Feedback:
Ease of approval, store-specific discounts and rewards for loyal shoppers, and potential for credit building.
Top Negative Feedback:
Frequent complaints about Comenity's customer service, high interest rates, low credit limits, and issues with rewards redemption or billing.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Prime Rewards Visa Signature
- Citi Double Cash Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 30% Store / 70% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023