Burlington Credit Card

BreadFinance Pending

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6

Benefits

1

Reward Categories

1x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: burlington-credit-card

Issuer: BreadFinance

Card Name: Burlington Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:36

Last Scraped: Feb 07, 2026 04:21

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Burlington Purchases 1x Points Qualifying purchases made at Burlington stores and burlington.com. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

The Burlington Credit Card does not charge an annual fee.

Financing 1
Special Financing Offers
Varies by offer

Opportunity to take advantage of special financing promotions on qualifying purchases made with the Burlington Credit Card.

Rewards 2
Rewards Points Earning
1 point per $1 spent

Earn 1 point for every $1 spent on Burlington purchases using the Burlington Credit Card.

Reward Certificate Redemption
$5 for every 500 points

Receive a $5 Reward Certificate for every 500 points earned.

Shopping 2
First Purchase Discount
10% off first purchase

Cardholders save 10% on their first purchase made with the Burlington Credit Card.

Exclusive Cardholder Offers
Varies by offer

Access to special promotions and discounts available only to Burlington Credit Cardholders.

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: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Burlington Credit Card (2026) requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a valid U.S. mailing address, and sufficient income to meet credit obligations. A fair to good credit score is generally required. New cardholders typically receive a bonus such as 20% off their first Burlington purchase made within 30 days of account opening (up to a maximum discount, e.g., $100), and ongoing rewards like 5% back in rewards on all Burlington purchases.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: High cumulative credit limit across all BreadFinance/Comenity accounts, excessive returns at Burlington, suspected fraudulent activity, consistent late payments, or significant changes in spending patterns inconsistent with typical retail behavior.

Cliff Effect Rules: BreadFinance (formerly Comenity/Alliance Data) does not typically have specific 'card family' rules like other major issuers. However, a primary 'cliff effect' is reaching a maximum total credit exposure limit across all your BreadFinance-issued cards. Exceeding this internal limit can lead to automatic denials for new applications, even if you meet other criteria, or proactive credit limit reductions on existing accounts.

Special Events: Exclusive cardholder discounts, early access to seasonal sales, bonus rewards days (e.g., double points on specific categories or during promotional periods), 'Friends & Family' shopping events, and birthday discounts.

Holiday Promos: Black Friday/Cyber Monday, Christmas/New Year, Back-to-School, Memorial Day, Labor Day, Mother's Day, and Father's Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Card offers exclusive discounts and rewards for frequent Burlington shoppers, with relatively easy approval for those with fair credit.

Top Negative:
High APR and poor customer service are common complaints, along with limited utility outside of Burlington stores.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • TJX Rewards Credit Card
  • Kohl's Charge
  • Capital One Platinum Secured Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023.10