Calvin Klein Visa® Credit Card
Basic Information
Program ID: calvin-klein-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:39
Last Scraped: 01/15/2026 11:18
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: | 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: The $50 Statement Credit will be applied to your account within 6-8 weeks after you meet the spending requirement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x on Calvin Klein purchases; 1x on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: The Calvin Klein Visa Credit Card offers a tiered rewards structure: 5% back on Calvin Klein purchases, 2% back on gas and groceries, and 1% back on all other eligible purchases. New cardholders can earn a $100 statement credit after spending $500 within the first 3 months of account opening. Eligibility requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number or ITIN, and possess a good to excellent credit history. Approval is subject to BreadFinance's credit underwriting standards, including income verification and existing credit obligations.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive returns on Calvin Klein purchases, high cumulative credit limit across all BreadFinance accounts, repeated late payments, suspected fraudulent activity, or significant changes in credit profile indicating increased risk.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Good discounts for frequent Calvin Klein shoppers, easy to get approved, occasional special offers and birthday rewards.
Top Negative Feedback:
High APR, poor customer service from Synchrony Bank, rewards are only useful at Calvin Klein, limited value for general spending outside the brand.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Gap Visa Credit Card
- Old Navy Visa Credit Card
- Capital One Platinum Secured Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 60% General / 40% Store-focused benefits
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0