BrylaneHome Mastercard®

BreadFinance Mastercard Pending

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6

Benefits

2

Reward Categories

2x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: brylanehome-mastercard

Issuer: BreadFinance

Card Name: BrylaneHome Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 09:59

Last Scraped: Feb 16, 2026 10:02

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible Servicemembers receive an interest rate reduction to 6% on balances incurred prior to active duty start date for the duration of active duty.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
BrylaneHome & Fullbeauty Brands Purchases 2x Points Eligible purchases made with your BrylaneHome Mastercard at BrylaneHome and other Fullbeauty Brands. No Cap
All Other Purchases 1x Points Eligible purchases made with your BrylaneHome Mastercard everywhere else Mastercard is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x at BrylaneHome

Quarterly Rotating: No

Expiration Policy: Points expire 24 months from the date they are earned. Rewards Certificates expire 90 days from the date of issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards Certificates are issued in $10 increments for every 1,000 points earned. Certificates may not be combined with certain offers or used for gift card purchases. Minimum purchase may apply.

Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
$0

There is no annual fee for holding the BrylaneHome Mastercard.

Lifestyle 1
Special Birthday Offer
Varies

Cardmembers receive a special offer during their birthday month. Specific offer details may vary.

Rewards 3
Points Earning - BrylaneHome Brands
2 points per $1

Earn 2 points for every $1 spent on eligible purchases made with your BrylaneHome Mastercard at BrylaneHome and our family of brands.

Points Earning - Everywhere Else
1 point per $1

Earn 1 point for every $1 spent on eligible purchases made with your BrylaneHome Mastercard everywhere else Mastercard is accepted.

Reward Redemption
$10 Reward for 2,000 points

Receive a $10 Reward for every 2,000 points earned. Rewards are issued in $10 increments.

Shopping 1
Exclusive Savings Events
Varies

Access to exclusive savings events and promotions for 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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 3.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No interest will be assessed on the promotional purchase if you pay the promotional purchase amount in full within 6 or 12 months. If you do not, interest will be assessed on the promotional purchase from the date of purchase.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the BrylaneHome Mastercard in 2026 is expected to require applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is contingent on a satisfactory credit history, typically requiring good to excellent credit for the Mastercard version. New cardholders may receive a bonus, such as a percentage off their first BrylaneHome purchase or a statement credit after meeting a specified spending threshold within the initial months. All applications are subject to BreadFinance's credit underwriting standards.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance products, bust-out behavior (maxing out and not paying), excessive credit seeking, sudden drastic changes in spending patterns, defaulting on other BreadFinance accounts, or suspected fraudulent activity.

Cliff Effect Rules: While BreadFinance does not typically enforce strict 'card family' bonus eligibility rules like some major issuers, approval for new cards, especially additional Mastercards, is heavily influenced by the applicant's overall credit profile and existing credit exposure with BreadFinance. High cumulative credit limits across all BreadFinance accounts may lead to denials for new applications or lower initial credit limits.

Special Events: Expected special events include seasonal sales (e.g., Spring Refresh, Summer Savings, Fall Home Event), anniversary sales, and exclusive cardholder-only discount days.

Holiday Promos: Anticipated holiday promotion periods include Black Friday/Cyber Monday, Christmas/Holiday Season, New Year's Sales, Valentine's Day, Mother's Day, Father's Day, and Memorial Day/Labor Day sales.

International Friendly: No

User Analytics & Insights
No User Analytics Available

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Version Control
PENDING

Version ID: v1.0