Bread® Credit Card
Basic Information
Program ID: comenity-direct-mastercard
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:27
Last Scraped: 01/15/2026 14:30
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $150.00
Spending Requirement: $1,500.00
Time Period: 90 days
Bonus Timing: Statement credit typically applied within 1-2 billing cycles after meeting the spending requirement.
Rewards Program
Reward Type: Cashback
Base Reward Rate: 0.02%
Bonus Reward Rate: 0.02%
Bonus Categories: N/A - Flat 1.5% cashback on all purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cashback does not expire as long as the account is open and in good standing.
Transfer Partners: N/A - Cashback card
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
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Application requires applicant to be 18+ years old, a U.S. resident with a valid SSN/ITIN, and possess good to excellent credit history with sufficient verifiable income. Bonus: Earn a $100 statement credit after spending $500 within the first 3 months of account opening. Store-specific restrictions apply to certain offers, redemption options, and potentially merchant categories.
Maximum Cards Per Issuer: 10
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all BreadFinance/Comenity accounts, sudden unusual spending patterns, defaulting on any BreadFinance/Comenity accounts, excessive credit seeking, suspected bust-out risk, or violation of store-specific terms and conditions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Users highly value the consistent 2% cash back on all purchases, the absence of an annual fee, foreign transaction fees, and other common fees. Many find it a straightforward and rewarding card, with some appreciating its accessibility for building credit.
Top Negative Feedback:
Common complaints revolve around Comenity's customer service, which some users describe as difficult to reach or unhelpful. Other issues include high APRs for some cardholders, lower-than-expected credit limits, and occasional problems with the mobile app or website.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Wells Fargo Active Cash Card
- PayPal Cashback Mastercard
Card Value Score: 85.0 / 100
Est. Annual Rewards: $360.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 03/01/2024 00:00