Bread Financial Credit Card

BreadFinance Pending

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3

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: cb2-credit-card

Issuer: BreadFinance

Card Name: Bread Financial Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:10

Last Scraped: Feb 07, 2026 03:57

Apply URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents, including a 36% Military Annual Percentage Rate (MAPR) cap on the cost of credit.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
CB2 & The Land of Nod Purchases 2x Points Earn 2 points for every $1 spent at CB2 and The Land of Nod. No Cap
All Other Purchases 1x Points Earn 1 point for every $1 spent everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Shopping 3
First Purchase Discount
10% off

Cardmembers receive 10% off their first purchase made with the CB2 Credit Card at CB2 stores or online. This offer is typically applied at the time of account opening and first use.

Special Financing Offers
Varies by offer (e.g., 0% APR for 6, 12, or 24 months)

Cardmembers are eligible for special financing promotions on qualifying purchases made with the CB2 Credit Card. These offers typically involve deferred interest or 0% APR for a promotional period, subject to minimum purchase amounts and full payment terms as outlined in specific promotional disclosures.

Exclusive Cardmember Offers
Varies by offer

Cardmembers receive access to exclusive promotions, discounts, and special events from CB2, available only to CB2 Credit Card holders. These offers are communicated periodically.

Benefits Summary (Flags)
PENDING

Extended 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 Back

Requirement: Spend $500 in 90 days

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance 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
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months. Minimum monthly payments required. See card agreement for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the cb2-credit-card requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number or ITIN, and pass a creditworthiness assessment by BreadFinance. New cardholders typically receive an initial bonus, such as a percentage discount (e.g., 15-20%) on their first purchase or a bonus points offer upon account opening and first use within a specified timeframe (e.g., 30-60 days). Rewards are store-specific, earning points or discounts primarily on purchases made at the associated cb2 retailer. Store-specific restrictions apply, meaning rewards and benefits are tied to purchases made at the partner retailer and may exclude certain categories like gift cards, services, or specific brands.

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Shutdown Risk Triggers: High credit utilization on the cb2-credit-card or across all credit lines, missed or late payments, rapid accumulation of new credit accounts (credit seeking behavior), suspicious activity inconsistent with typical retail spending patterns, or attempts to circumvent store-specific reward limitations.

Cliff Effect Rules: For a single store-specific credit card like the cb2-credit-card, traditional 'cliff effect' rules (e.g., losing eligibility for bonuses based on having too many cards in a family) are generally not applicable. However, poor performance on this card (e.g., high utilization, late payments) could negatively impact eligibility for other BreadFinance-issued products or future credit line increases.

Special Events: Exclusive cardholder-only sales, early access to promotions, double/triple points events during specific periods (e.g., seasonal sales, anniversary events), and birthday discounts.

Holiday Promos: Black Friday/Cyber Monday (November-December), Valentine's Day (February), Mother's Day (May), Father's Day (June), Back-to-School (August-September), and various seasonal sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, decent rewards for specific categories, good for building credit for those with fair credit.

Top Negative:
High interest rates, customer service issues, limited acceptance outside of partner network (if applicable), low credit limits.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Cash Rewards Credit Card
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Card Value Score: 65.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: 2024-05-01