Burlington Credit Card
Basic Information
Program ID: burlington-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:36
Last Scraped: 01/15/2026 11:15
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: 3,224.00% - 3,224.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,224.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after requirement is met, often within 6-8 weeks.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x points on all purchases at Burlington stores and Burlington.com; 1x point on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
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
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 620 - 720
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: **Bonus Rule (Projected for 2026)**: New cardholders receive a 15% discount on their first Burlington purchase made within 30 days of account opening. **Application Rules (Projected for 2026)**: Applicants must be at least 18 years of age (19 in AL and NE, 21 in PR), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a verifiable source of income. Requires a fair to good credit score for approval, though Bread Financial may approve applicants with limited credit history based on other factors. Store-specific restrictions apply: The card is primarily designed for purchases at Burlington stores and burlington.com. Rewards, discounts, and special offers are typically exclusive to Burlington and its affiliates. Foreign transaction fees are expected for international use.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 30 days
Shutdown Risk Triggers: Excessive returns after using initial discount, prolonged account inactivity (e.g., 12+ months without use), multiple late payments, exceeding credit limit, suspected fraudulent activity, or significant changes in credit profile indicating higher risk. While manufactured spending is less common for store cards, any attempt to exploit promotional offers beyond their intended use could trigger review.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy to get approved, good for building credit, discounts and rewards at Burlington, can be used anywhere Mastercard is accepted.
Top Negative Feedback:
Very high APR, poor customer service, issues with billing and account management, rewards are only truly valuable at Burlington.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Capital One Platinum Credit Card
- Discover it Secured Credit Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 40% General / 60% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023