The Buckle Credit Card

BreadFinance Pending

Back Apply Now

6

Benefits

1

Reward Categories

1x

Max Reward

35%

APR From
Basic Information
PENDING

Program ID: buckle-credit-card

Issuer: BreadFinance

Card Name: The Buckle Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:23

Last Scraped: Feb 11, 2026 06:49

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

The Servicemembers Civil Relief Act (SCRA) provides certain protections for servicemembers on active duty. Contact issuer to request benefits.

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Buckle Purchases 1x Points Earn 1 point for every $1 spent on qualifying purchases made at Buckle stores and buckle.com. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
$0

The Buckle Credit Card has no annual fee.

Lifestyle 1
Annual Birthday Offer
Variable

Cardholders receive a special birthday offer each year, sent via email or mail during their birthday month. Specific details and value are outlined in the communication.

Shopping 4
Buckle Purchase Points
2 points per $1 spent

Earn 2 points for every $1.00 in Net Eligible Purchases made with your Buckle Credit Card at Buckle stores or buckle.com.

Everywhere Else Purchase Points
1 point per $1 spent

Earn 1 point for every $1.00 in Net Eligible Purchases made with your Buckle Credit Card everywhere else Mastercard is accepted.

Buckle Reward Redemption
$10 Buckle Reward for 300 points

For every 300 points earned, cardholders will receive a $10 Buckle Reward certificate. Rewards can be used for purchases at Buckle stores or buckle.com.

Exclusive Cardholder Offers
Variable

Cardholders receive exclusive offers and promotions throughout the year.

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
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: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 34.99% - 34.99%

Cash Advance APR: 34.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months or if you make a late payment. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Application Eligibility (2026): - Must be at least 18 years of age. - Must be a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). - Must have a verifiable source of income. - Subject to credit approval by BreadFinance, which includes a review of credit history and ability to pay. - Previous bankruptcy or severe derogatory credit may result in denial. Bonus Rule (Hypothetical for 2026): - Sign-up Bonus: 15% off the first Buckle purchase made with the card within 30 days of account opening. - Ongoing Rewards: Earn 2 points per $1 spent at Buckle stores and buckle.com. Earn 1 point per $1 on all other eligible purchases (if co-branded Visa/Mastercard). Points are redeemable for Buckle merchandise credits. No specific minimum spend interval for a large bonus, as the sign-up bonus is immediate and ongoing rewards accrue with spending.

Max Cards Per Issuer: 1

Min Spend Interval: N/A (Sign-up bonus is typically immediate; ongoing rewards accrue with spending.)

Shutdown Risk Triggers: Late payments or defaulting on the Buckle Credit Card or other BreadFinance products; suspicious activity or suspected fraud; excessive returns relative to purchases at Buckle; significant changes in financial stability (e.g., bankruptcy filing); abuse of rewards program (e.g., reselling items purchased with rewards); high cumulative credit limit across all credit products, potentially indicating over-extension.

Cliff Effect Rules: N/A (Store-specific cards typically do not have complex 'card family' rules or 'cliff effects' related to holding multiple products from the same brand beyond general credit limits.)

Special Events: Exclusive discounts and bonus rewards points during Buckle's seasonal sales events (e.g., Spring Refresh, Back-to-School, Black Friday previews), anniversary sales, and private cardholder events.

Holiday Promos: Enhanced rewards or special financing offers during major U.S. holidays such as Valentine's Day, Mother's Day, Father's Day, Memorial Day, 4th of July, Labor Day, Halloween, Thanksgiving (Black Friday/Cyber Monday), and Christmas/New Year's.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.2 / 5.0

Top Positive:
Easy approval for store discounts and helps build credit.

Top Negative:
High interest rates, poor customer service, and limited utility outside of Buckle stores.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Gap Credit Card
  • Old Navy Credit Card
  • Nordstrom Retail Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: October 2023