Bread Credit Card

BreadFinance Mastercard Pending

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5

Benefits

1

Reward Categories

2x

Max Reward

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APR From
Basic Information
PENDING

Program ID: comenity-direct-mastercard

Issuer: BreadFinance

Card Name: Bread Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 14:27

Last Scraped: Feb 07, 2026 05:02

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Other Purchases 2x Cash Back Earn unlimited 2% cash back on every purchase. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0

The credit card does not charge an annual fee.

Rewards 1
Cash Back Rewards
2% cash back

Earn 2% cash back on every purchase, everywhere, every time.

Security 2
ID Theft Protection

Enjoy peace of mind with Mastercard ID Theft Protection. This benefit helps detect and resolve identity theft.

Zero Liability Protection

Mastercard's Zero Liability Protection protects you from unauthorized purchases. You are not responsible for unauthorized transactions.

Travel 1
No Foreign Transaction Fees
0%

No fees are charged on purchases made outside of the United States.

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
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
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility (2026 Projection): Applicants must be at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Tax Identification Number (ITIN). A strong credit history (typically FICO score 670+) is generally required, demonstrating responsible credit management, low debt-to-income ratio, and no recent bankruptcies or severe delinquencies. Bread Financial may also consider existing relationships and total credit exposure across their portfolio. Bonus Rules (2026 Projection): For a general-purpose Mastercard, typical sign-up bonuses might include a cash back or points bonus after meeting a specified spending threshold within the initial months (e.g., $200 cash back after spending $1,000 in the first 3 months). Given Bread Financial's history, there might also be introductory APR offers or special category bonuses that rotate quarterly, or enhanced rewards for specific retail partners within their network, even if not a dedicated store card.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Bread Financial products, excessive credit limit increase requests, defaulting on payment obligations, unusual spending patterns (e.g., large purchases followed by immediate payments and inactivity, or spending inconsistent with historical behavior), abusive bonus churning (applying for and canceling cards solely for bonuses), suspected fraud, or providing inaccurate information on applications.

Cliff Effect Rules: Bread Financial (Comenity) generally does not have complex 'card family' or 'once-per-lifetime' bonus rules akin to some major issuers. Each card product tends to be evaluated independently. However, application velocity (applying for too many cards from Bread Financial or other issuers within a short period) and total credit exposure across all Bread Financial products will influence approval decisions and potential credit limit reductions or account closures if deemed too high a risk. There are no known specific 'cliff effect' rules that would prevent earning a bonus on one card based on holding another specific Bread Financial card.

Special Events: While the 'comenity-direct-mastercard' is a general-purpose card, Bread Financial's strong ties to retail partners mean it may participate in broader promotional events. These could include: Bonus Points/Cash Back Days (elevated rewards on specific spending categories or with certain retailers during promotional periods), Introductory Discounts (special discounts for new cardholders at partner retailers), and Exclusive Cardholder Offers (early access to sales, special financing offers, or additional discounts at participating stores). These events are typically communicated via email or within the cardholder portal.

Holiday Promos: Key retail holiday periods where promotions are common include: Winter Holidays (Black Friday, Cyber Monday, Christmas, New Year - November-December), Spring (Valentine's Day, Mother's Day, Easter - February-May), Summer (Father's Day, Independence Day, Back-to-School - June-August), and Fall (Labor Day, Columbus Day/Indigenous Peoples' Day - September-October).

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.9 / 5.0

Top Positive:
Excellent 2% cash back on all purchases with no annual fee, straightforward rewards, good for everyday spending.

Top Negative:
Poor customer service, high APR, issues with account management or credit limit increases reported by some users.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Wells Fargo Active Cash Card
  • PayPal Cashback Mastercard

Card Value Score: 85.0 / 100

Est. Annual Rewards: $400.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0