Coldwater Creek Credit Card
Basic Information
Program ID: coldwater-creek-credit-card
Issuer: BreadFinance
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:13
Last Scraped: 01/15/2026 10:49
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: 3,499.00% - 3,499.00%
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: 3,499.00%
Sign-Up Bonus
Bonus Amount: $20.00
Spending Requirement: $100.00
Time Period: 30 days
Bonus Timing: Statement credit typically within 1-2 billing cycles after the first qualifying purchase is made.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x points on all Coldwater Creek purchases; 1x point on all other purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
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: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: The Coldwater Creek Credit Card, issued by BreadFinance, is projected for 2026 to offer a sign-up bonus of 20% off the first purchase made within 30 days of account opening, plus ongoing rewards of 5% back in Coldwater Creek Rewards on all eligible purchases at Coldwater Creek stores and online. Eligibility requirements for application include being 18 years or older, a U.S. resident, possessing a valid Social Security Number or ITIN, and meeting BreadFinance's creditworthiness criteria, which typically requires fair to good credit.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Late payments, high credit utilization on the Coldwater Creek card, opening multiple store cards with BreadFinance in a short period leading to high cumulative credit exposure, suspected fraudulent activity, or repeated returns/abnormal purchase patterns that suggest abuse of rewards or return policies.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval for store discounts; good for building credit; exclusive sales and birthday offers.
Top Negative Feedback:
Very high APR; poor customer service from Comenity; frequent credit limit reductions; rewards only useful at Coldwater Creek.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Discover it® Secured Credit Card
- Capital One Platinum Secured Credit Card
- Amazon Store Card
Card Value Score: 40.0 / 100
Est. Annual Rewards: $30.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 24 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: January 2024