Catherines Credit Card
Basic Information
Program ID: catherines-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:08
Last Scraped: 01/15/2026 10:43
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: $0.00
Spending Requirement: $0.00
Time Period: 30 days
Bonus Timing: Discount applied at the point of sale for the first qualifying purchase, or as a statement credit within 1-2 business days.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Travel booked through BreadFinance Portal (up to $6,000 annually), 3x Dining, 2x Groceries
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: United Airlines, British Airways, Marriott Bonvoy, Hyatt Hotels
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: 640 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: The Catherines Credit Card for 2026 is expected to offer a welcome bonus, such as 20% off the first purchase made on the card, along with ongoing rewards (e.g., 2 points per $1 spent at Catherines stores and online). Special financing offers (e.g., 0% APR for 6-12 months on qualifying purchases over a certain amount) may also be available. Eligibility requirements include being 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to credit approval (typically requiring a fair to good credit score, generally FICO 620+). Applicants cannot hold an existing Catherines Credit Card account at the time of application.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: N/A - Welcome bonus (e.g., first purchase discount) applies immediately. Ongoing rewards are earned per transaction. Special financing terms vary by offer.
Shutdown Risk Triggers: Missed or late payments, high credit utilization across all BreadFinance accounts, suspected fraudulent activity or account abuse (e.g., excessive returns tied to purchases), bankruptcy filing, or opening too many BreadFinance accounts in a short period (though more common for denial of new applications than shutdown of existing ones).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval for those with fair credit, good for discounts and promotions at Catherines.
Top Negative Feedback:
High interest rates, limited use outside Catherines, poor customer service, frequent credit limit reductions.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Discover it Secured
- Capital One QuicksilverOne
Card Value Score: 45.0 / 100
Est. Annual Rewards: $225.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 2023-10