buybuy BABY Mastercard Credit Card

BreadFinance Mastercard Pending

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9

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: buybuy-baby-mastercard-credit-card

Issuer: BreadFinance

Card Name: buybuy BABY Mastercard Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 11, 2026 10:53

Last Scraped: Feb 11, 2026 10:55

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides protections to military members and dependents, capping the cost of credit at an annual percentage rate of 36 percent, including certain fees. Call 1-844-271-2766 for more information.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
buybuy BABY Purchases 2x Points Purchases made at buybuy BABY® stores or online at buybuybaby.com. No Cap
All Other Purchases 1x Points All other purchases everywhere Mastercard® is accepted (excluding buybuy BABY® purchases). No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 9 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

There is no annual fee charged for maintaining the buybuy BABY Mastercard Credit Card account.

Lifestyle 1
Annual Birthday Offer
Special offer annually

Cardmembers receive a special birthday offer each year. Specific offer details and value may vary.

Shopping 7
Points Earning on buybuy BABY Purchases
5 points per $1

Earn 5 points for every $1 spent on purchases made at buybuy BABY stores or online with your buybuy BABY Mastercard.

Points Earning on Gas & Grocery Purchases
2 points per $1

Earn 2 points for every $1 spent on eligible gas and grocery purchases made with your buybuy BABY Mastercard.

Points Earning on All Other Mastercard Purchases
1 point per $1

Earn 1 point for every $1 spent on all other purchases made with the buybuy BABY Mastercard, wherever Mastercard is accepted.

Rewards Redemption
$25 reward for 2,500 points

Receive a $25 reward certificate for every 2,500 points accumulated. Reward certificates can be used towards purchases at buybuy BABY.

Points Expiration
Points expire after 12 months

Points earned will expire 12 months from the date they are earned if not redeemed.

Reward Certificate Expiration
Rewards expire after 90 days

Reward certificates issued will expire 90 days from the date they are issued.

Welcome Offer: First Purchase Discount
20% off first purchase

New cardmembers receive 20% off their first buybuy BABY purchase when they open and use their new buybuy BABY Mastercard Credit Card.

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
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
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%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ 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. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the buybuy BABY Mastercard in 2026 typically requires applicants to be US residents, 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate good to excellent credit history (FICO score generally 670+). All applications are subject to Bread Financial's comprehensive credit underwriting standards. New cardholders are anticipated to receive a welcome bonus, such as a statement credit (e.g., $100 after spending $500 within the first 90 days of account opening) or a percentage back on initial buybuy BABY purchases (e.g., 20% back up to $200).

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit limit utilization across all Bread Financial accounts, sudden and unusual spending patterns inconsistent with historical behavior, frequent product returns after earning rewards, repeated late payments, or suspected fraudulent activity. Opening too many Bread Financial accounts in a short period may also trigger review.

Cliff Effect Rules: Bread Financial generally does not implement complex 'card family' or 'velocity' rules (e.g., 5/24) across its diverse portfolio of store-branded cards. However, a standard rule of 'one welcome bonus per specific buybuy-baby-mastercard-credit-card account per 24 months' is typically enforced to prevent bonus churning.

Special Events: Exclusive cardholder-only discounts, double or bonus rewards points days on specific categories or during promotional periods, early access to sales events, and personalized birthday offers.

Holiday Promos: Key retail holiday periods including Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day, Father's Day, and back-to-school season.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for store purchases, good initial discount, useful for frequent BuyBuyBaby shoppers.

Top Negative:
High interest rates, poor customer service, rewards are difficult to redeem, limited utility outside BuyBuyBaby.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
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Card Value Score: 60.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0