The Buckle Card
Basic Information
Program ID: buckle-credit-card
Issuer: BreadFinance
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:23
Last Scraped: 01/15/2026 15:25
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| 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
Balance Transfer APR: 0.00%
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: Based on typical Comenity Bank store card offerings and the public home page for the Buckle Credit Card, there is no traditional points/cash sign-up bonus (e.g., 'Spend $X, get Y points') currently advertised that fits the specified SignupBonusAmount and SignupBonusRequirementAmount structure. The primary welcome offer for this card is typically a discount on the first purchase made with the card, which does not directly map to these fields.
Rewards Program
Reward Type: Buckle Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Buckle Purchases
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Points expire 12 months after earning if not redeemed, or sooner if account is inactive.
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
Approval Criteria
Recommended FICO Range: 620 - 700
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Eligibility requires applicants to be 18+ years old, a U.S. resident with a valid SSN/ITIN, and meet BreadFinance's creditworthiness criteria. Approval is subject to credit history review. New cardholders typically receive a one-time discount (e.g., 15-20% off) on their first Buckle purchase made within 30 days of account opening. Ongoing benefits include exclusive cardholder discounts and early access to Buckle sales.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: Typically 30-90 days for any spend-based bonus, though initial discounts are often applied to the first purchase.
Shutdown Risk Triggers: Late or missed payments, defaulting on the account, exceeding credit limits, suspected fraudulent activity, prolonged account inactivity, or significant adverse changes in the cardholder's credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.5 / 5.0
Top Positive Feedback:
Good for frequent Buckle shoppers, offers discounts and rewards, relatively easy to get approved for those with fair credit.
Top Negative Feedback:
High interest rates, poor customer service, limited to Buckle purchases, low credit limits, and deferred interest can be tricky.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Old Navy Credit Card
- Capital One Platinum Secured
- Amazon Store Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $40.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 30 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: January 2024
Last Updated: 01/01/2024 00:00