CB2 Credit Card
Basic Information
Program ID: cb2-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:10
Last Scraped: 01/15/2026 10:45
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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credit will be applied to your account within 1-2 billing cycles after meeting the spending requirement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on CB2 purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after issuance or if account is inactive for 12 months.
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
Approval Criteria
Recommended FICO Range: 620 - 720
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the cb2-credit-card in 2026 requires applicants to be 18+ years old, a US resident with a valid SSN/ITIN, and possess a good to excellent credit history. Applicants must not have received a sign-up bonus for the 'cb2-credit-card' within the last 24 months. The bonus rule for 2026 includes a 15% discount on the first purchase made within 30 days of account opening, plus 5% cashback on all eligible purchases at the associated retail partner for the first 6 months, up to a maximum of $200 cashback. Store-specific restrictions apply to bonus redemption and eligible purchases.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Missed payments, high credit utilization across all accounts, bankruptcy filings, excessive returns, reselling items purchased with discounts, opening multiple accounts under different identities, prolonged account inactivity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval process, useful for building credit, occasional store discounts.
Top Negative Feedback:
Poor customer service, high interest rates, limited rewards outside of specific store, difficult to get credit limit increases.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Discover it Secured Card
- Capital One Platinum Secured Credit Card
- Bread Cashback American Express Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 20% General / 80% Store/Co-brand
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0