GameStop PowerUp Rewards Credit Card

BreadFinance Pending

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6

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: gamestop-powerup-rewards-credit-card

Issuer: BreadFinance

Card Name: GameStop PowerUp Rewards Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:16

Last Scraped: Feb 07, 2026 04:35

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Comenity Capital Bank offers benefits to eligible active duty service members, their spouses, and dependents under the Servicemembers Civil Relief Act (SCRA). Contact them to learn more.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
GameStop Purchases 5x Points Eligible purchases made at GameStop No Cap
All Other Purchases 1x Points Eligible purchases made everywhere else Visa is accepted No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Shopping 6
Sign-up Bonus Points
5,000 bonus points

Earn 5,000 bonus PowerUp Rewards points after your first purchase made with your new GameStop PowerUp Rewards Credit Card.

Accelerated Rewards Earning on GameStop Purchases
20 points per $1

Earn 20 PowerUp Rewards points for every $1.00 in Net Eligible Purchases made at GameStop stores or GameStop.com with your GameStop PowerUp Rewards Credit Card.

Standard Rewards Earning on Everyday Purchases
5 points per $1

Earn 5 PowerUp Rewards points for every $1.00 in Net Eligible Purchases made everywhere else Visa credit cards are accepted with your GameStop PowerUp Rewards Credit Card.

Enhanced Rewards Earning for PowerUp Rewards Pro Members
Additional 10 points per $1 (total 30 points per $1 for Pro members at GameStop)

PowerUp Rewards Pro members earn an additional 10 points for every $1.00 in Net Eligible Purchases made at GameStop stores or GameStop.com when using their GameStop PowerUp Rewards Credit Card, in addition to the standard 20 points per $1.

Special Financing Offers
Varies by offer

Access to special financing promotions on qualifying purchases made with the GameStop PowerUp Rewards Credit Card. Specific terms and conditions apply to each offer.

Exclusive Cardholder Offers
Varies by offer

Receive exclusive discounts, promotions, and special offers available only to GameStop PowerUp Rewards Credit Cardholders.

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
PENDING

$50

Cash Back
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
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%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 18 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12 or 18 months. Minimum monthly payments are required. See your credit card agreement for complete terms.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number, and meet BreadFinance's credit underwriting criteria. A fair to good credit score is generally recommended, though BreadFinance is known for a broader range of approvals for store cards. Existing GameStop PowerUp Rewards membership is typically required or automatically enrolled upon approval. Bonus Rule (Hypothetical for 2026): New cardholders receive a 15% discount on their first GameStop purchase made within 30 days of account opening (up to a maximum discount of $50). Additionally, cardholders earn 5X PowerUp Rewards points per dollar spent at GameStop (online and in-store) and 1X point per dollar on all other eligible purchases. Points are redeemable for GameStop merchandise and discounts. Application Rules: Applications are processed online via BreadFinance's portal. Instant approval is possible, but some applications may require further review. Approval is subject to BreadFinance's internal credit policies, which consider credit history, income, and existing credit relationships. BreadFinance may pull credit reports from any of the three major bureaus.

Max Cards Per Issuer: 7

Min Spend Interval: First purchase for initial discount; no specific interval for ongoing point earning beyond making purchases.

Shutdown Risk Triggers: Manufactured spending (e.g., buying large quantities of gift cards for liquidation), excessive credit seeking across multiple BreadFinance accounts in a short period, high cumulative credit limit across all BreadFinance accounts relative to reported income, defaulting on other credit obligations, sudden drastic changes in spending patterns inconsistent with historical behavior, abuse of return policies or promotional offers.

Cliff Effect Rules: BreadFinance manages total credit exposure across all accounts issued to a single individual. While there isn't a 'card family' rule like prime issuers, applying for too many BreadFinance cards or accumulating a very high total credit limit with them can lead to automatic denials for new applications or credit limit reductions on existing accounts, regardless of individual card performance. This acts as a practical 'cliff' for credit access with the issuer.

Special Events: New Console/Game Launches (enhanced points or exclusive discounts), PowerUp Rewards Member Days (exclusive sales or bonus point events for cardholders), Seasonal Sales (additional discounts or bonus points during GameStop's major seasonal sales like Spring, Summer, Fall sales).

Holiday Promos: Black Friday/Cyber Monday Week (late November), Christmas/Holiday Shopping Season (November-December), New Year/Post-Holiday Sales (early January), Back-to-School (late July-August), Gaming Convention Tie-ins (potentially around major gaming events with specific promotions).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for GameStop enthusiasts, offering exclusive discounts and special financing on store purchases.

Top Negative:
High APR, poor customer service, limited utility outside GameStop, and potential deferred interest issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature
  • PayPal Cashback Mastercard
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0