9
Benefits2
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: calvin-klein-visa-credit-card
Issuer: BreadFinance
Card Name: Calvin Klein Mastercard® Credit Card
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Bread Financial complies with SCRA, offering protections for active-duty servicemembers, spouses, and dependents, including a 6% interest rate cap on pre-service obligations, and protections against default judgments, foreclosures, and repossessions.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Calvin Klein Purchases | 2x | Points | Purchases made at Calvin Klein stores or calvinklein.us | No Cap | |
| All Other Purchases | 1x | Points | All eligible purchases outside of Calvin Klein | No Cap |
Rewards Summary
PENDINGQuarterly Rotating: No
Benefits & Protections (Detailed) 9 Total
PENDINGFinancial 1
No Annual Fee
$0The Calvin Klein Visa Credit Card does not charge an annual fee for card membership.
Lifestyle 1
Birthday Offer
VariesReceive a special offer during your birthday month as a cardholder.
Shopping 7
Accelerated Rewards on Calvin Klein Purchases
2X points per $1Earn 2 points for every $1 spent on purchases at Calvin Klein stores and calvinklein.us when using your Calvin Klein Visa Credit Card.
Standard Rewards on All Other Purchases
1 point per $1Earn 1 point for every $1 spent on purchases everywhere else Visa credit cards are accepted.
Welcome Offer - First Purchase Discount
20% offGet 20% off your first purchase when you open and use your Calvin Klein Visa Credit Card.
Free Standard Shipping
Free standard shippingReceive free standard shipping on all purchases made at calvinklein.us when using the Calvin Klein Visa Credit Card.
Exclusive Cardholder Offers
Varies by offerAccess to special promotions and discounts available only to Calvin Klein Visa Credit Cardholders.
Early Access to Sales
Early accessCardholders receive early access to Calvin Klein sales events.
Rewards Points Redemption
$25 Reward for 2,500 pointsEarned points are converted to a $25 Reward for every 2,500 points accumulated. Rewards are valid for 90 days from the date of issuance and can be redeemed for merchandise at Calvin Klein stores and 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
PENDING$50
Cash BackRequirement: Spend $500 in 90 days
Timing: The $50 Statement Credit will be applied to your account within 6-8 weeks after you meet the spending requirement.
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 $5 or 3% of the amount of each 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
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 31.24%
Cash Advance APR: 31.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Earn 20% off your first Calvin Klein purchase made within 30 days of account opening, plus an additional 5,000 bonus points after spending $500 outside of Calvin Klein stores within the first 90 days. Eligibility requires applicants to be at least 18 years of age, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria. A minimum credit score, typically in the good to excellent range, is required for approval, though BreadFinance may offer a secured version or lower credit limit for applicants with developing credit histories.
Max Cards Per Issuer: 7
Min Spend Interval: 90 days
Cliff Effect Rules: BreadFinance generally evaluates credit applications based on individual creditworthiness and total exposure across all its issued cards. While there isn't a direct 'cliff' rule preventing application for multiple Calvin Klein branded cards, approval for new BreadFinance cards, including this Calvin Klein Visa, will consider the cumulative credit extended to the applicant by BreadFinance. High existing credit limits with BreadFinance may impact approval or the credit limit offered for new applications.
Special Events: Double points on all Calvin Klein purchases during seasonal collection launches (e.g., Spring/Summer, Fall/Winter), exclusive early access to sales, and members-only discount days.
Holiday Promos: Black Friday, Cyber Monday, Valentine's Day, Mother's Day, Father's Day, and the entire December holiday shopping season.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Good discounts and rewards for frequent Calvin Klein shoppers, easy application process, useful for building credit.
Top Negative:
High APR, limited rewards outside of Calvin Klein stores, customer service can be slow, low credit limits for some users.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $120.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: October 2023