BrylaneHome Credit Card

BreadFinance Pending

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6

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: brylanehome-credit-card

Issuer: BreadFinance

Card Name: BrylaneHome Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 09:57

Last Scraped: Feb 16, 2026 10:00

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

The issuer states that covered borrowers under the Servicemembers Civil Relief Act (SCRA) may be eligible for certain benefits and directs to contact Comenity Bank for details.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Lifestyle 1
Birthday Offer
Special offer

Receive a special offer during your birthday month. Must have made a purchase in the last 12 months and have a valid email address on file.

Security 2
Limited Liability for Unauthorized Use
Up to $50 liability for unauthorized use before notification, $0 after notification.

You will not be liable for unauthorized use that occurs after you notify us of a lost or stolen card or unauthorized activity. Your liability for unauthorized use that occurs before you notify us will not exceed $50.

Online Account Management
Online access

Manage your BrylaneHome Credit Card account online, including viewing statements, making payments, and updating personal information.

Shopping 3
Rewards Points Earning Rate
2 points per $1 spent

Earn 2 rewards points for every $1 spent on purchases at BrylaneHome.

Rewards Redemption
$10 reward for 2,000 points

Receive a $10 BrylaneHome Reward for every 2,000 points earned. Rewards are automatically issued and mailed with your billing statement or sent via email.

Exclusive Cardmember Offers
Various offers

Access to special discounts and promotions available only to BrylaneHome Credit Cardmembers.

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
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
Penalty APR: 29.99%
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%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be at least 18 years old, a US resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria. Bonus Rules: New cardholders typically receive a percentage discount (e.g., 15-20%) on their first BrylaneHome purchase made within a specified period (e.g., 30 days of account opening). Special financing offers, such as 0% APR for 6 or 12 months on qualifying purchases over a certain amount, are also common.

Max Cards Per Issuer: 1

Min Spend Interval: Immediate for first purchase discount; 6-12 months for special financing offers.

Shutdown Risk Triggers: Missed payments, high credit utilization across BreadFinance accounts, suspected fraudulent activity, excessive returns, bankruptcy filings, or significant adverse changes in credit profile.

Cliff Effect Rules: Generally, only one BrylaneHome credit card account is permitted per individual. Reapplying after closing an account may be subject to a waiting period, typically 6-12 months, and re-eligibility for new cardholder bonuses is at the issuer's discretion.

Special Events: Exclusive cardholder sales events, double points days on specific categories or brands, early access to new collections, and birthday discounts.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day, Father's Day, Memorial Day, Labor Day, and seasonal clearance events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, good for building credit, occasional store discounts and loyalty benefits.

Top Negative:
High APR, limited use to store only, customer service issues, confusing reward structure.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Target RedCard
  • Capital One Platinum Secured
  • Discover it Secured

Card Value Score: 60.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0