Eddie Bauer Credit Card
Basic Information
Program ID: eddie-bauer-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:07
Last Scraped: 01/15/2026 10:41
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| 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: 2,124.00% - 2,924.00%
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: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after requirement is met.
Rewards Program
Reward Type: Store Credit / Points
Base Reward Rate: 2.00%
Bonus Reward Rate: 10.00%
Bonus Categories: 10x Eddie Bauer Purchases, 2x All Other Purchases (Mastercard only)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months from the date they are earned.
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: The Eddie Bauer Credit Card, issued by BreadFinance, is primarily designed for loyal Eddie Bauer customers. Eligibility requires applicants to be at least 18 years old, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a U.S. mailing address. Approval is subject to creditworthiness, typically requiring fair to good credit. New cardholders often receive an initial bonus, such as a percentage off their first Eddie Bauer purchase (e.g., 15-20% off) or a statement credit after meeting a small spend threshold within the first 90 days. Ongoing rewards are typically earned on Eddie Bauer purchases, often structured as points per dollar spent, redeemable for future Eddie Bauer discounts. Store-specific restrictions apply, meaning rewards and benefits are primarily applicable to Eddie Bauer purchases and may not extend to general spending outside the brand.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (if applicable to rewards structure), high cumulative credit limit across all BreadFinance accounts, excessive credit line increase requests, frequent balance transfers from other BreadFinance cards, suspicious spending patterns inconsistent with typical retail behavior, late payments or defaults on any BreadFinance account, and rapid application velocity for multiple BreadFinance cards.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval for those with fair credit, good discounts and rewards for frequent Eddie Bauer shoppers, occasional special financing offers.
Top Negative Feedback:
High APR, limited acceptance for the store-only version, poor customer service from Comenity, rewards can be difficult to redeem or have expiration dates.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Gap Visa Credit Card
- Capital One Platinum Secured Credit Card
- Discover it Secured Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 40% General / 60% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: February 2024