Express Credit Card
Basic Information
Program ID: express-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:19
Last Scraped: 01/15/2026 10:56
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: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% 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
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20.00
Spending Requirement: $100.00
Time Period: 30 days
Bonus Timing: The $20 discount is applied instantly at checkout on your first qualifying purchase of $100 or more.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Online Shopping, 5x Groceries, 5x 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
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 620 - 690
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Express Credit Card from BreadFinance offers a sign-up bonus of 20% off your first Express purchase made within 30 days of account opening, plus ongoing rewards of 5 points per dollar spent at Express stores and express.com. Points are redeemable for Express Rewards Certificates. Eligibility requirements include being 18 years or older, a US resident with a valid SSN or ITIN, and meeting BreadFinance's creditworthiness criteria. Applicants are ineligible for the sign-up bonus if they have held the Express Credit Card and received a sign-up bonus within the past 24 months.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., gift card arbitrage), excessive returns, high credit utilization without corresponding income, defaulting on payments, suspicious account activity, or violation of BreadFinance's terms and conditions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.3 / 5.0
Top Positive Feedback:
Easy approval for those with fair credit, offers good initial discounts and exclusive promotions for Express shoppers, and provides a high rewards rate on Express purchases.
Top Negative Feedback:
High Annual Percentage Rate (APR), poor customer service from Comenity Bank, low initial credit limits, and limited utility as it's a store-only card.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Discover it Secured Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card
- Petal 1 Visa Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0