7
Benefits4
Reward Categories5x
Max Reward32.2%
APR FromBasic Information
PENDINGProgram ID: bed-bath-and-beyond-mastercard
Issuer: BreadFinance
Card Name: Bed Bath & Beyond Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
The Servicemembers Civil Relief Act (SCRA) provides certain protections for servicemembers, including an interest rate cap of 6% on certain pre-service obligations. Eligible servicemembers can contact 1-800-227-1261 to request benefits.
Rewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Bed Bath & Beyond | 5x | Points | Purchases made at Bed Bath & Beyond | No Cap | |
| Gas | 2x | Points | Gas purchases | No Cap | |
| Groceries | 2x | Points | Grocery purchases | No Cap | |
| All Other Purchases | 1x | Points | All other purchases everywhere Mastercard is accepted | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 7 Total
PENDINGShopping 7
Rewards Earning - Bed Bath & Beyond Family Stores
5% backEarn 5% back in rewards on purchases made at Bed Bath & Beyond, buybuy BABY, Harmon, and Harmon Face Values.
Rewards Earning - Gas & Grocery
2% backEarn 2% back in rewards on gas and grocery purchases.
Rewards Earning - All Other Purchases
1% backEarn 1% back in rewards on all other purchases everywhere Mastercard is accepted.
Reward Certificate Redemption
$10 per $10 earnedRewards are issued as a $10 Reward Certificate for every $10 in rewards earned. Reward Certificates are valid for 90 days from the date of issue and can be used at Bed Bath & Beyond, buybuy BABY, Harmon, and Harmon Face Values.
New Account Opening Discount
20% offReceive 20% off a single item when you open and use your Bed Bath & Beyond Mastercard.
Introductory Spend Bonus
$25 Reward CertificateReceive a $25 Reward Certificate when you spend $1,000 outside of Bed Bath & Beyond, buybuy BABY, Harmon, and Harmon Face Values in the first 90 days.
Free Standard Shipping
Free standard shippingReceive free standard shipping on all online purchases at Bed Bath & Beyond and buybuy BABY.
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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $30.00 |
| 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 & APR
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
Balance Transfer APR: 32.24%
Cash Advance APR: 32.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: As of 2026, the Bed Bath & Beyond Mastercard is defunct due to the bankruptcy and subsequent closure of all Bed Bath & Beyond stores in 2023. Therefore, no new applications or bonus rules exist for this card. Any existing accounts would have been closed or converted by Bread Financial by this time. [Hypothetical Rules if Active in 2026]: Eligibility Requirements: Applicants would typically need good to excellent credit, be 18+ years old, a US resident with a valid SSN/ITIN, and meet Bread Financial's internal creditworthiness criteria. This includes income verification, a favorable debt-to-income ratio, and no recent bankruptcies. Bread Financial also considers the number of existing credit accounts with them and the total credit extended across all their products. Bonus Rule: Hypothetically, new cardholders might receive a welcome offer such as 20% off their first Bed Bath & Beyond purchase made within 30 days of account opening, plus 5,000 bonus points after spending $500 on eligible purchases within the first 90 days.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: While specific 'card family' cliff effect rules are less common for individual store-branded Mastercards, Bread Financial applies issuer-level application velocity rules and total credit exposure limits. Applying for multiple Bread Financial products within a short timeframe (e.g., 2-3 cards within 6 months) could lead to denials or account reviews. There are no known specific 'card family' rules that would impact eligibility for this card based on other Bread Financial products.
Special Events: Not applicable for 2026 as Bed Bath & Beyond stores are defunct.
Holiday Promos: Not applicable for 2026 as Bed Bath & Beyond stores are defunct.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy approval for fair credit, good discounts on Bed Bath & Beyond purchases, useful for building credit history.
Top Negative:
High APR, limited rewards outside of Bed Bath & Beyond, poor customer service from Comenity, low credit limits.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Discover it Secured
- Petal 2 Visa
Card Value Score: 60.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023