Calvin Klein Credit Card
Basic Information
Program ID: calvin-klein-credit-card
Issuer: BreadFinance
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:37
Last Scraped: 01/15/2026 11:17
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $5,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 4-8 weeks after requirement is met, but often within 2-4 weeks.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on Calvin Klein purchases, 2x on Dining & Entertainment, 1x on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: N/A - Points are primarily redeemable for Calvin Klein merchandise, statement credits, or gift cards. No direct travel transfer partners.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: New cardholders receive a 20% discount on their first Calvin Klein purchase made with the card within 30 days of account opening. Eligibility requires applicants to be 18 years or older, have a valid U.S. Social Security Number or ITIN, a U.S. mailing address, and meet BreadFinance's creditworthiness criteria, including a satisfactory credit history. Account must remain in good standing to redeem benefits and maintain card privileges.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 30 days (for initial purchase discount)
Shutdown Risk Triggers: High credit utilization, missed or late payments, suspected fraudulent activity, rapid accumulation of multiple credit accounts (especially with BreadFinance), significant changes in credit profile (e.g., bankruptcy, charge-offs), or exceeding BreadFinance's internal cumulative credit exposure limits.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Exclusive discounts and rewards for Calvin Klein purchases; easy application process; good for brand loyalists.
Top Negative Feedback:
High APR; rewards limited to Calvin Klein; aggressive credit limit management; poor customer service.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Gap Credit Card
- Macy's Credit Card
- Target RedCard
Card Value Score: 65.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 70% Store / 30% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2023-10-26