3
Benefits3
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gas | 2x | Points | Eligible purchases at gas stations. | No Cap | |
| Dining | 2x | Points | Eligible purchases at restaurants. | No Cap | |
| All Other Purchases | 1x | Points | All other eligible net purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1x
Quarterly Rotating: No
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 3 Total
PENDINGEmergency Services 1
Mastercard Global Service
24/7 emergency assistance worldwideOffers 24/7 emergency assistance to cardholders worldwide. Services include lost and stolen card reporting, emergency card replacement, emergency cash advance, and ATM locator services.
Security 2
Mastercard ID Theft Protection
Comprehensive identity theft resolution servicesProvides cardholders with access to a comprehensive suite of identity theft resolution services. This includes proactive monitoring of credit file, dark web, and high-risk transactions, plus a dedicated ID Theft Resolution Specialist to assist with restoring identity if theft occurs.
Zero Liability Protection
Protection against unauthorized purchasesProtects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for unauthorized transactions if they report them promptly.
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 |
| 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
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 32.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Comenity Mastercard (issued by BreadFinance) in 2026 requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). A good to excellent credit score (typically FICO 670+) is generally expected for approval, though specific co-branded versions may have slightly varied thresholds. Applicants should not have an excessive number of recent credit inquiries or new accounts opened across all issuers (e.g., more than 2-3 new accounts in the last 6 months or 4-5 in the last 12 months may trigger scrutiny, though not a strict rule like Chase's 5/24). Existing BreadFinance/Comenity customers with a history of late payments, defaults, or high utilization on other accounts may face denial. Bonus offers are highly variable and specific to the retail partner. Typically, these include a one-time statement credit or discount after meeting a minimum spend within the first 90-180 days, or enhanced rewards rates for purchases with the co-brand.
Max Cards Per Issuer: 2
Min Spend Interval: 3-6 months
Cliff Effect Rules: BreadFinance/Comenity does not typically enforce 'card family' rules that prevent earning bonuses on similar cards. However, approval for new cards, especially general-purpose Mastercards, is heavily influenced by cumulative credit exposure across all existing BreadFinance/Comenity accounts. If total credit limits are deemed too high for an applicant's income and credit profile, new applications may be denied or existing limits reduced. Additionally, opening too many BreadFinance/Comenity store cards in a short period can signal increased risk and lead to denials for subsequent applications, particularly for a general-purpose Mastercard.
Special Events: Seasonal sales events (e.g., Black Friday, Cyber Monday, Memorial Day, Labor Day, Back-to-School), cardholder-exclusive discount days or early access to sales, birthday discounts, double/triple points events for specific categories or during promotional periods, and anniversary bonuses for cardholders.
Holiday Promos: New Year's Sales (January), Valentine's Day (February), Mother's Day (May), Father's Day (June), Independence Day (July), Back-to-School (August), Halloween (October), Thanksgiving/Black Friday/Cyber Monday (November), Christmas/Holiday Season (December), and Post-Holiday/End-of-Year Clearance (Late December - Early January).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.1 / 5.0
Top Positive:
Easy approval process for those with fair credit, often provides store-specific discounts and loyalty rewards, good for building credit history.
Top Negative:
Customer service can be difficult to reach, high annual percentage rates (APRs), limited rewards outside of specific retail partners, frequent credit limit changes.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Credit Card
- Discover it Secured Credit Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $120.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0