0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: comenity-bank-mastercard
Issuer: BreadFinance
Card Name: Comenity Mastercard
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGQuarterly Rotating: No
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended 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 |
| 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
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Applicants must be 18+ years old, a U.S. resident with a valid SSN/ITIN, and generally possess good to excellent credit for Mastercard products. Approval is subject to Bread Financial's internal credit policies, which consider overall creditworthiness, existing credit lines with Bread Financial, and recent credit inquiries. Bonus offers typically require meeting a specific spend threshold within the first 90-180 days of account opening, often tied to purchases at the co-branded retailer or general spend. Specific rewards and benefits are highly dependent on the co-branded partner.
Max Cards Per Issuer: 3
Min Spend Interval: 90-180 days
Cliff Effect Rules: Bread Financial does not typically enforce 'card family' bonus restrictions like some major issuers. However, a significant 'cliff effect' exists regarding total credit exposure and recent application velocity across all Bread Financial products (including store cards and Mastercards). Approvals for new cards, especially Mastercards, become significantly harder if an applicant already holds multiple Bread Financial accounts or has a high cumulative credit limit with the issuer, regardless of the specific card product.
Special Events: Frequent store-specific promotions, exclusive cardholder discounts, loyalty program tie-ins, birthday offers, and special financing options at co-branded retailers. These events are highly variable by partner.
Holiday Promos: Major retail holidays including Black Friday/Cyber Monday, Christmas/New Year, Valentine's Day, Mother's Day, Father's Day, Back-to-School, Memorial Day, and Labor Day. Promotions are typically aligned with the co-branded retailer's sales calendar.
International Friendly: No