Cosmoprof Rewards Credit Card
Basic Information
Program ID: cosmoprof-rewards-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Rewards
Data Complete: Yes
Created: 01/15/2026 15:25
Last Scraped: 01/15/2026 15:27
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: | $41.00 |
| Returned Payment: | $41.00 |
| 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: 2,999.00% - 2,999.00%
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: 2,999.00%
Sign-Up Bonus
Bonus Amount: $2,500.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Bonus points are typically awarded within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Cosmoprof Purchases, 2x Gas Stations, 2x Dining
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
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: Varies (Experian, TransUnion, or Equifax)
Issuer Rules
Rules: Eligibility for the Cosmoprof Rewards Credit Card in 2026 typically requires applicants to be at least 18 years old (19 in AL and NE), a US resident with a valid Social Security Number or ITIN, and possess a satisfactory credit history. Applicants may also need to be a member of the Cosmoprof Rewards program. The card is expected to offer a welcome bonus, such as 'Earn $X back or Y bonus points after spending $Y at Cosmoprof within the first 3 months of account opening.' Application involves a standard credit check, with instant decision often available. Store-specific restrictions apply to rewards redemption and promotional offers.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Missed or late payments, suspected fraudulent activity, excessive returns or chargebacks, manufactured spending (though less common for store cards), high cumulative credit exposure across BreadFinance products relative to income, bankruptcy filings, or a significant and sustained drop in credit score.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.5 / 5.0
Top Positive Feedback:
Easy approval for those with fair credit, offers good discounts and rewards specifically at Cosmoprof stores, useful for building credit history.
Top Negative Feedback:
High annual percentage rates (APR), frequent complaints about poor customer service from Comenity Bank, low initial credit limits, and limited utility outside of Cosmoprof purchases.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Credit Card
- Discover it Secured Credit Card
- Target RedCard
Card Value Score: 45.0 / 100
Est. Annual Rewards: $55.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 18 months
Store vs Co-brand: 80% Store / 20% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0