Eddie Bauer Credit Card

BreadFinance Visa Pending

Back Apply Now

6

Benefits

2

Reward Categories

2x

Max Reward

30.2%

APR From
Basic Information
PENDING

Program ID: eddie-bauer-credit-card

Issuer: BreadFinance

Card Name: Eddie Bauer Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:07

Last Scraped: Feb 07, 2026 03:55

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Service members and dependents may be entitled to benefits under the Servicemembers Civil Relief Act (SCRA) or Military Lending Act (MLA). Call 1-800-222-0271 for details.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Eddie Bauer Purchases 2x Points Purchases made at Eddie Bauer stores, eddiebauer.com, and Eddie Bauer Outlet stores. No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

Categories: Eddie Bauer purchases

Quarterly Rotating: No

Expiration Policy: Points expire 12 months from the date they are earned.

Point Value: 0.01¢

Redemption Penalties: Reward Certificates are issued in $10 increments for every 1,000 points earned. Certificates expire 90 days from issuance. Certificates cannot be used for gift card purchases or previous purchases. Minimum redemption of 1,000 points.

Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

The Eddie Bauer credit card does not charge an annual fee for card membership.

Lifestyle 1
Birthday Offer
Special offer

Cardmembers receive a special offer during their birthday month.

Shopping 4
Eddie Bauer Store Rewards Earning
2X points per $1

Earn 2 points for every $1 spent on purchases at Eddie Bauer.

Everyday Rewards Earning
1X point per $1

Earn 1 point for every $1 spent on purchases everywhere else Visa is accepted.

Rewards Redemption
$10 Reward per 2,500 points

Receive a $10 Eddie Bauer Reward for every 2,500 points earned.

Exclusive Cardmember Offers
Exclusive offers

Access to exclusive promotions and discounts available only to Eddie Bauer credit cardholders.

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
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: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 30.24% - 34.24%

Balance Transfer APR: 34.24%

Cash Advance APR: 34.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Eddie Bauer Credit Card, issued by BreadFinance, is primarily designed for purchases at Eddie Bauer stores and eddiebauer.com. New cardholders typically receive an initial discount (e.g., 15-20% off) on their first Eddie Bauer purchase made with the card. Eligibility requirements include being at least 18 years old, having a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a U.S. mailing address, and meeting BreadFinance's creditworthiness criteria. Store-specific restrictions apply, meaning benefits and rewards are generally limited to Eddie Bauer purchases. Bonus offers are subject to change annually.

Max Cards Per Issuer: 8

Min Spend Interval: 3 months

Shutdown Risk Triggers: High cumulative credit limit across all BreadFinance accounts, unusual spending patterns inconsistent with typical retail purchases, defaulting on payments, suspected fraudulent activity, opening too many BreadFinance cards in a short period, or prolonged inactivity on the card.

Cliff Effect Rules: BreadFinance (formerly Comenity) generally does not have complex 'card family' rules that trigger a cliff effect for bonus eligibility. However, overall credit exposure with BreadFinance across all their issued store cards can impact approval for new applications or lead to credit limit reductions on existing accounts if deemed excessive.

Special Events: Seasonal sales (e.g., End-of-Season, Mid-Season), member-exclusive discounts, double points days, birthday offers, and special financing promotions for larger purchases.

Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Memorial Day, Labor Day, and 4th of July, often featuring enhanced rewards or discounts for cardholders.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Good for frequent Eddie Bauer shoppers, offers exclusive discounts and rewards, relatively easy to get approved for.

Top Negative:
High APR, limited value outside of Eddie Bauer, frequent complaints about customer service and billing issues with Comenity.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Target RedCard
  • Discover it Secured Credit Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: March 2024

Last Updated: Mar 01, 2024 00:00