Cosmoprof Rewards Credit Card

BreadFinance Mastercard Pending

Back Apply Now

7

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: cosmoprof-rewards-credit-card

Issuer: BreadFinance

Card Name: Cosmoprof Rewards Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:25

Last Scraped: Feb 11, 2026 06:51

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides protections to military members and dependents, capping the cost of credit at an annual percentage rate of 36 percent, including various fees. Call 1-866-834-8434 for more information.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
CosmoProf & Sally Beauty Purchases 5x Points Net Eligible Purchases made at CosmoProf® and/or Sally Beauty Supply stores and online at cosmoprofbeauty.com and sallybeauty.com. No Cap
All Other Purchases 1x Points Net Eligible Purchases made everywhere else Visa credit cards are accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 7 Total
PENDING
Shopping 7
Accelerated Rewards Earning at CosmoProf & SalonCentric
2 points per $1 spent

Earn 2 rewards points for every $1 spent on eligible purchases made at CosmoProf and SalonCentric stores or online with your CosmoProf Rewards Credit Card.

Standard Rewards Earning Everywhere Else
1 point per $1 spent

Earn 1 rewards point for every $1 spent on eligible purchases made everywhere else Visa is accepted with your CosmoProf Rewards Credit Card.

Rewards Certificate Redemption
1,000 points = $10 Rewards Certificate

Redeem accumulated rewards points for Rewards Certificates. For example, 1,000 points can be redeemed for a $10 Rewards Certificate, which can be used towards future purchases at CosmoProf and SalonCentric.

Special Financing Offers
Varies by promotion

Access to special financing offers on qualifying purchases made with the CosmoProf Rewards Credit Card. Specific terms and conditions, including minimum purchase requirements and promotional periods, apply to each offer.

Exclusive Cardholder Offers
Varies by offer

Receive exclusive discounts, promotions, and special offers available only to CosmoProf Rewards Credit Cardholders.

Rewards Point Expiration
Points expire after 24 months

Rewards points earned with the CosmoProf Rewards Credit Card expire 24 months after the date they are earned if not redeemed.

Rewards Certificate Expiration
Certificates expire after 90 days

Rewards Certificates issued from point redemption expire 90 days after their issue date.

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
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
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Special Financing

Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Cosmoprof Rewards Credit Card requires applicants to be a licensed beauty professional, at least 18 years of age, a U.S. resident, and subject to credit approval by Bread Financial. New cardholders typically receive a bonus, such as 'Earn 5,000 bonus points after spending $500 in the first 90 days of account opening.' The card is primarily intended for purchases at Cosmoprof stores and online, with rewards heavily weighted towards these transactions.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive returns, unusual spending patterns inconsistent with professional beauty supply purchases, failure to make timely payments, fraudulent activity, abuse of promotional offers or rewards program, high cumulative credit exposure across multiple Bread Financial accounts relative to income.

Cliff Effect Rules: No specific card family rules; the Cosmoprof Rewards Credit Card operates independently within Bread Financial's portfolio of store cards.

Special Events: Seasonal Sales (e.g., Spring Refresh, Summer Savings, Holiday Glam), Professional Appreciation Events, Brand-specific promotions, Anniversary Sales, New Product Launch Discounts, Member-exclusive offers.

Holiday Promos: Black Friday/Cyber Monday (late November), Christmas/New Year's (December-January), Valentine's Day (February), Mother's Day (May), Back-to-School/Fall Prep (August-September).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval process, beneficial for frequent Cosmoprof shoppers with exclusive discounts and rewards.

Top Negative:
Frequent complaints about poor customer service, high annual percentage rates (APR), limited utility outside of Cosmoprof stores, and issues with online account management.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Ulta Credit Card
  • Sephora Credit Card
  • Target RedCard

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: April 2024