Floor & Decor Credit Card

BreadFinance Pending

Back Apply Now

2

Benefits

0

Reward Categories

—

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: floor-and-decor-credit-card

Issuer: BreadFinance

Card Name: Floor & Decor Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:06

Last Scraped: Feb 15, 2026 09:41

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

The issuer mentions the Servicemembers Civil Relief Act (SCRA) and states compliance with the Military Lending Act (MLA), which limits the annual percentage rate (APR) to 36% for covered active duty service members, their spouses, and dependents.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 0x

Bonus Rate: 5x

Categories: Floor & Decor purchases

Quarterly Rotating: No

Expiration Policy: Reward Certificates expire 90 days from issuance.

Point Value: 0.01¢

Redemption Penalties: Minimum purchase required to redeem Reward Certificates. Certificates cannot be used for prior purchases, gift cards, or special financing purchases.

Benefits & Protections (Detailed) 2 Total
PENDING
Financial 1
No Annual Fee
$0

The Floor & Decor Credit Card does not charge an annual fee for card membership, allowing cardholders to enjoy the benefits without an recurring cost.

Shopping 1
Special Financing Offers
Varies by promotion

Cardmembers may be eligible for special financing promotions on qualifying purchases made at Floor & Decor. These offers typically involve deferred interest for a specified period, allowing customers to make purchases and pay over time without interest if the promotional balance is paid in full by the end of the promotional period.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Balance Transfer APR: 32.24%

Cash Advance APR: 32.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18 or 24 months.
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: For 2026, new Floor & Decor credit cardholders from Bread Financial are typically eligible for an introductory offer, such as a 10% discount on their first qualifying Floor & Decor purchase made within 30 days of account opening, or special financing options (e.g., 0% APR for 6-12 months on qualifying purchases over a specified amount). Eligibility requirements include being at least 18 years of age, possessing a valid U.S. Social Security Number, having a U.S. mailing address, and meeting Bread Financial's creditworthiness criteria. All offers and purchases are subject to store-specific restrictions and terms.

Max Cards Per Issuer: 7

Min Spend Interval: N/A (Primary benefits are immediate discounts or special financing; traditional spend-based bonuses are rare for this type of card)

Shutdown Risk Triggers: Missed payments, high credit utilization across Bread Financial accounts, suspected fraudulent activity, exceeding internal cumulative credit limits across multiple Bread Financial store cards, or significant adverse changes in credit profile.

Cliff Effect Rules: No specific 'card family' or 'cliff effect' rules apply; each Bread Financial store card is generally evaluated independently for approval and benefits.

Special Events: Frequent promotional periods tied to Floor & Decor sales events, product launches, or seasonal home improvement projects, often featuring enhanced financing options or bonus discounts.

Holiday Promos: Common promotional periods include major U.S. holidays (e.g., Memorial Day, Labor Day, Black Friday, Christmas/New Year) and seasonal home renovation periods (Spring, Fall).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.4 / 5.0

Top Positive:
Offers special financing options and promotions for large purchases at Floor & Decor, useful for frequent shoppers, relatively easy approval for some.

Top Negative:
High APR, poor customer service from Comenity/Bread Financial, deferred interest pitfalls, limited use outside the store, issues with account management and sudden credit limit reductions.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Home Depot Consumer Credit Card
  • Capital One Platinum Secured

Card Value Score: 45.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v20240402