Floor & Decor Credit Card
Basic Information
Program ID: floor-and-decor-credit-card
Issuer: BreadFinance
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:06
Last Scraped: 01/15/2026 15:08
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: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 3,124.00% - 3,124.00%
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: 3,199.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No specific sign-up bonus or welcome offer is publicly advertised on the Floor & Decor Credit Card home page as of January 2026. The primary offers highlighted are special financing options.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 0.00%
Bonus Reward Rate: 5.00%
Bonus Categories: Floor & Decor purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards expire after 24 months of account inactivity.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: For 2026, the Floor & Decor Credit Card, issued by Bread Financial, is expected to offer an initial incentive such as a percentage off the first purchase (e.g., 10% off up to $500) or special financing options on qualifying purchases (e.g., 0% APR for 6-24 months on purchases over a certain threshold). Eligibility requirements typically 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 Bread Financial's creditworthiness criteria, which generally requires fair to good credit. Store-specific restrictions and promotional terms will apply to all offers and purchases.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A for traditional spend bonus; initial discount or special financing terms apply immediately upon approval/purchase.
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Bread Financial accounts, sudden drastic change in spending patterns, missed payments, excessive credit inquiries, opening too many accounts in a short period, or suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Store-specific financing options and discounts, relatively easy approval for store loyalists.
Top Negative Feedback:
High interest rates, limited utility outside Floor & Decor, and common complaints about customer service.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Home Depot Consumer Credit Card
- Lowe's Advantage Card
- Chase Freedom Unlimited
Card Value Score: 60.0 / 100
Est. Annual Rewards: $125.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0