Express Credit Card

BreadFinance Pending

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5

Benefits

1

Reward Categories

20x

Max Reward

30.2%

APR From
Basic Information
PENDING

Program ID: express-credit-card

Issuer: BreadFinance

Card Name: Express Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:19

Last Scraped: Feb 03, 2026 13:02

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents, limiting the cost of consumer credit to an annual percentage rate of 36 percent, including certain fees.

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Express Purchases 20x Points Net Eligible Purchases made with your Express Credit Card at Express stores or express.com No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Lifestyle 1
Annual Birthday Offer
Special offer annually

Receive a special discount or promotional offer during your birthday month as an Express Credit Cardmember.

Shopping 4
Express NEXT Rewards Program
20 points per $1 spent

Earn 20 points for every $1 spent on eligible purchases at Express stores and express.com. Points accumulate towards reward certificates that can be redeemed for discounts on future Express purchases.

First Purchase Discount
20% off first purchase

Receive 20% off your first eligible purchase made with your new Express Credit Card on the day you open your account.

Exclusive Cardmember Promotions
Access to exclusive sales and offers

Gain access to special sales events, promotions, and discounts available only to Express Credit Cardholders throughout the year.

Free Standard Shipping
Free standard shipping

Enjoy free standard shipping on all express.com online orders when using your Express Credit Card.

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
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% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ If you do not pay the full promotional balance by the end of the promotional period, interest will be charged to your account from the purchase date at the standard APR for purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a U.S. mailing address. All applications are subject to credit approval by BreadFinance. Bonus Rule: New cardholders receive a 20% discount on their first purchase made within 30 days of account opening, up to a maximum discount of $100. Additionally, earn 5% back in rewards on all purchases at the specific store (e.g., 'Express') and 1% back on all other eligible purchases everywhere else Visa/Mastercard is accepted. Application Rules: A waiting period of 6 months is generally required between applications for this card, and previous denials may necessitate a longer waiting period. Store-specific restrictions apply, which may exclude certain items or services from earning rewards or qualifying for promotional financing.

Max Cards Per Issuer: 1

Min Spend Interval: 3 months

Shutdown Risk Triggers: Missed or consistently late payments, suspected fraudulent activity or account misuse, excessive returns or chargebacks relative to purchase volume, opening multiple credit accounts with BreadFinance in a short period (if applicable), high credit utilization on the express-credit-card itself.

Cliff Effect Rules: The express-credit-card is generally a standalone product. There are no complex 'card family' rules or restrictions on applying for other BreadFinance products beyond general creditworthiness and issuer-specific application velocity limits.

Special Events: Exclusive early access to sales events, special cardholder-only discounts (e.g., an extra 10-15% off during specific promotional periods), and bonus rewards days (e.g., 10% back on store purchases for a limited time).

Holiday Promos: Enhanced rewards or special financing offers typically available during major shopping holidays such as Black Friday/Cyber Monday (November-December), Memorial Day (May), Labor Day (September), and seasonal sales (e.g., Spring/Summer collections, Back-to-School).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.7 / 5.0

Top Positive:
Easy approval for those with fair credit, occasional store discounts, helps build credit history.

Top Negative:
High APR, poor customer service from Comenity, limited use (store-only), frequent credit limit decreases, difficulty with payments/website.

Approval Experience: 60.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured 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: v1.0