6
Benefits2
Reward Categories1x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Calvin Klein Purchases | 1x | Points | Earn 1 point for every $1 spent on Calvin Klein purchases made at Calvin Klein stores or calvinklein.us. | No Cap | |
| All Other Purchases | 1x | Points | Earn 1 point for every $1 spent on all other purchases made outside of Calvin Klein. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 6 Total
PENDINGLifestyle 1
Birthday Offer
Special birthday offerReceive a special offer during your birthday month as a cardmember.
Shopping 5
Rewards Points Earning
2 points per $1 spentEarn 2 points for every $1 spent on purchases made at Calvin Klein stores and calvinklein.us.
Rewards Redemption
$25 reward for 2,500 pointsReceive a $25 reward certificate for every 2,500 points earned.
First Purchase Discount
20% off first purchaseEnjoy 20% off your first purchase when you open and use your Calvin Klein Credit Card.
Exclusive Cardmember Offers
Exclusive offersAccess to exclusive promotions and discounts available only to Calvin Klein Credit Cardmembers.
Free Standard Shipping
Free standard shippingReceive free standard shipping on all purchases made at calvinklein.us.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: New cardholders receive a 20% discount on their first Calvin Klein purchase made within 30 days of account opening. Eligibility requires applicants to be at least 18 years old, possess a valid Social Security Number or ITIN, and be a U.S. resident. Approval is subject to creditworthiness and BreadFinance's underwriting criteria. Additional bonus offers may include a spend bonus (e.g., spend $500 in first 90 days, get $50 statement credit).
Max Cards Per Issuer: 8
Min Spend Interval: 3 months
Cliff Effect Rules: Typically, only one Calvin Klein credit card account is permitted per individual. While BreadFinance does not have a strict 'card family' rule across its entire portfolio, reaching a high cumulative credit limit across multiple BreadFinance-issued cards may lead to denials for new applications.
Special Events: Exclusive cardholder-only sales events, early access to new collections, birthday rewards (e.g., 15% off during birthday month), and tiered loyalty benefits based on annual spend.
Holiday Promos: Black Friday/Cyber Monday (November), Friends & Family Sales (various, often Spring/Fall), Valentine's Day (February), Mother's Day (May), Father's Day (June), Back-to-School (August), and End-of-Year Clearance (December).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Exclusive discounts and rewards at Calvin Klein; relatively easy approval for brand loyalists.
Top Negative:
High APR; limited acceptance outside Calvin Klein stores; customer service issues.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Target RedCard
- Discover it® Secured Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $75.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v2023.07