fullbeauty Credit Card

BreadFinance Pending

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7

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: fullbeauty-credit-card-v2

Issuer: BreadFinance

Card Name: fullbeauty Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 10:16

Last Scraped: Feb 16, 2026 10:18

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
FullBeauty Brands Purchases 2x Points Purchases made at fullbeauty.com and the fullbeauty family of brands. No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 7 Total
PENDING
Lifestyle 1
Birthday Offer
Special offer

Cardholders receive a special birthday offer. Must have made a purchase within the last 12 months and have a valid email address on file.

Shopping 6
Rewards Earning Rate
2 points per $1

Earn 2 rewards points for every one dollar ($1) in Net Eligible Purchases made with your fullbeauty Credit Card.

Rewards Redemption
$10 Reward for 2,000 points

For every 2,000 points you earn, you will receive a $10 Reward. Rewards are automatically issued and mailed with your billing statement or sent via email.

Exclusive Cardholder Savings Events
Access to savings events

Access to special savings events exclusively for fullbeauty Credit Cardholders.

Early Access to Sales
Early access

Cardholders receive early access to sales events.

Free Shipping
Free standard shipping on orders $50+

Cardholders receive free standard shipping on fullbeauty.com with a minimum purchase of $50.

Special Financing Offers
Varies by offer

Cardholders may receive special financing offers on qualifying purchases.

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: None
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: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your Account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the FullBeauty Credit Card (v2) in 2026 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 verifiable U.S. mailing address. Approval is subject to creditworthiness, typically requiring fair to good credit, though store cards may offer more lenient approval criteria than prime credit cards. The primary bonus rule is expected to be an immediate first-purchase discount (e.g., 20-30% off) upon account opening. Ongoing rewards are projected to include a points-based system (e.g., 2-5 points per $1 spent at FullBeauty brands) redeemable for future purchases, along with exclusive cardholder-only promotions and early access to sales events.

Max Cards Per Issuer: 1

Min Spend Interval: N/A (initial discount is immediate; if a spend-based bonus were introduced, it would likely be 3 months)

Shutdown Risk Triggers: Common triggers for account shutdown or adverse action include late payments or defaulting on any BreadFinance (Comenity) accounts, unusual spending patterns inconsistent with typical retail purchases (e.g., high volume of small transactions, rapid credit limit utilization and payment), high cumulative credit exposure across multiple BreadFinance-issued cards leading to an overall risk assessment, attempting to circumvent application rules, and violation of cardholder agreement terms.

Cliff Effect Rules: BreadFinance (formerly Comenity) generally assesses an individual's overall credit risk across all accounts it issues. While there isn't a specific 'FullBeauty family' of cards with tiered benefits, approval for new BreadFinance-issued cards or credit limit increases on existing ones can be impacted by the number of existing BreadFinance accounts and the total credit extended. High existing credit limits with BreadFinance may lead to denials for new applications or lower starting limits on approved cards.

Special Events: Expect seasonal sales (e.g., Spring Refresh, Summer Styles, Fall Fashion, Winter Wonderland), FullBeauty or card program anniversary sales, exclusive cardholder-only shopping days, early access to new collections or sales, and private label brand promotions.

Holiday Promos: Key promotional periods include Black Friday/Cyber Monday week (late November), the broader Christmas/Holiday shopping season (November-December), New Year's sales (January), Valentine's Day (February), Mother's Day (May), Father's Day (June), and Back-to-School promotions (July-August).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Easy approval for store discounts, useful for frequent FullBeauty shoppers, helps build credit for those with fair credit.

Top Negative:
High APR, poor customer service, limited use outside FullBeauty stores, frequent promotional offers can be confusing.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Discover it® Secured Credit Card
  • Amazon Store Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $40.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0