Coast to Coast Visa® Credit Card

BreadFinance Visa Pending

Back Apply Now

6

Benefits

2

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: coast-to-coast-visa-credit-card

Issuer: BreadFinance

Card Name: Coast to Coast Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 11, 2026 10:55

Last Scraped: Feb 11, 2026 13:10

Apply URL: Visit

SCRA Benefits (Military Members)

Servicemembers may be entitled to certain protections under the Servicemembers Civil Relief Act (SCRA).

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Coast to Coast Purchases 2x Points Net Purchases made at Coast to Coast. No Cap
All Other Purchases 1x Points Net Purchases made everywhere else Visa credit cards are accepted. No Cap
Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 6 Total
PENDING
Card Features 1
Visa Benefits
Varies

Cardmembers receive standard benefits provided by Visa. Specific details are typically outlined in a separate Visa Guide to Benefits provided upon account opening.

Fees & Charges 1
No Annual Fee
$0

There is no annual fee charged for maintaining the credit card account.

Financing 1
Special Financing Offers
Varies by offer

Cardmembers may be eligible for special financing offers on qualifying purchases. These offers typically involve deferred interest or reduced APR for a promotional period.

Rewards Program 3
Accelerated Rewards on Coast to Coast Purchases
2 points per $1

Cardmembers earn 2 reward points for every $1 spent on purchases made at Coast to Coast.

Standard Rewards on All Other Purchases
1 point per $1

Cardmembers earn 1 reward point for every $1 spent on purchases made everywhere else Visa credit cards are accepted.

Rewards Redemption
Redeemable for Coast to Coast Rewards

Points earned through the rewards program can be redeemed for Coast to Coast Rewards.

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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User 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: 3.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Balance Transfer APR: 31.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ If the balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date at the standard Purchase APR.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Earn 20,000 bonus BreadPoints after spending $1,500 on eligible purchases within the first 3 months of account opening. Bonus points are redeemable for 1.5x value at BreadFinance partner stores. Eligibility requirements for 2026: Applicants must be 18 years or older (21 in AL, NE, PR), a US resident, possess a good to excellent credit score (typically FICO 670+), and meet BreadFinance's internal creditworthiness criteria. Applicants are generally ineligible if they have received a bonus for this specific card product in the past 24 months. BreadFinance also enforces a '3/12 rule' (no more than 3 new credit card accounts opened with any issuer in the past 12 months) for new applications. Store-specific restrictions apply to bonus point redemption and certain promotional offers.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance products, frequent balance transfers without consistent repayment, excessive credit seeking (multiple applications across various issuers in a short timeframe), suspicious spending patterns inconsistent with declared income, failure to meet minimum payment requirements, and abuse of return policies for points or cash back.

Cliff Effect Rules: BreadFinance generally limits applicants to one bonus per 'Coast-to-Coast' card product family every 24 months. For example, receiving a bonus on the 'Coast-to-Coast Visa Signature' may make you ineligible for a bonus on the 'Coast-to-Coast Visa Platinum' within the same 24-month period. Holding multiple cards within the same product family may also impact future bonus eligibility or credit limit increases.

Special Events: Exclusive discounts and accelerated bonus point earning opportunities during BreadFinance Partner Store 'Coast-to-Coast Shopping Festivals' held quarterly (typically March, June, September, December). Special in-store promotions for cardholders during these periods.

Holiday Promos: Black Friday/Cyber Monday (late November), End-of-Year Holiday Shopping (December 1st - 31st), Back-to-School (August 1st - 31st), and Valentine's Day (February 1st - 14th).

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Relatively easy approval for those with fair credit; useful for building credit history; offers standard Visa acceptance for general spending.

Top Negative:
High interest rates (APR); frequent complaints about customer service; low initial credit limits; limited rewards value compared to other cards.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Discover it Secured Credit Card
  • Petal 2 Visa Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $80.00

Approval Probability: 65.0%

Version Control
PENDING

Version ID: v2024.02