Harmon Face Values Mastercard® Credit Card

BreadFinance Mastercard Pending

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9

Benefits

4

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: harmon-face-values-mastercard-credit-card

Issuer: BreadFinance

Card Name: Harmon Face Values Mastercard® Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 11, 2026 11:05

Last Scraped: Feb 11, 2026 13:13

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Harmon Face Values 5x Points Eligible purchases made at Harmon Face Values stores and harmonfacevalues.com. No Cap
Gas 2x Points Eligible gas purchases. No Cap
Groceries 2x Points Eligible grocery purchases. No Cap
All Other Purchases 1x Points All other eligible purchases everywhere Mastercard is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 9 Total
PENDING
Purchase Protection 2
Extended Warranty
Up to 1 additional year of warranty

Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when both the original warranty and the extended warranty do not exceed a total of three years.

Purchase Protection
Up to 90 days from purchase

Replaces, repairs, or reimburses for eligible items stolen or damaged within 90 days of purchase when the entire purchase price is charged to the Harmon Face Values Mastercard.

Security 3
Mastercard ID Theft Protection™
Comprehensive identity theft protection

Provides services to help detect and resolve identity theft. Includes identity monitoring, alerts, and resolution services to assist cardholders if their identity is compromised.

Zero Liability Protection
Full protection against unauthorized charges

Protects cardholders from unauthorized purchases made with their Mastercard credit card. Cardholders are not held responsible for unauthorized transactions.

Mastercard Global Service™
24/7 emergency assistance

Provides 24/7 emergency assistance for card-related needs, including lost and stolen card reporting, emergency card replacement, and emergency cash advance services, anywhere in the world.

Shopping 3
Accelerated Rewards Earning (Harmon Face Values / Bed Bath & Beyond Family)
5 points per $1 spent

Earn 5 points for every $1 spent on eligible purchases made at Harmon Face Values, Bed Bath & Beyond, buybuy BABY, and Harmon Discount stores, or online at harmonfacevalues.com, bedbathandbeyond.com, and buybuybaby.com.

Standard Rewards Earning (Everywhere Else)
1 point per $1 spent

Earn 1 point for every $1 spent on eligible purchases made everywhere else Mastercard is accepted.

Rewards Certificate Redemption
$10 per 1,000 points

Redeem 1,000 points for a $10 Harmon Face Values Rewards Certificate, which can be used towards purchases at Harmon Face Values and Bed Bath & Beyond family of brands.

Travel Insurance 1
Car Rental Collision Damage Waiver
Secondary coverage for rental cars

Provides secondary coverage for physical damage and theft of most rental vehicles when the eligible rental car is paid for with the Harmon Face Values Mastercard and the cardholder declines the rental company's collision damage waiver (CDW) or similar option.

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: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the harmon-face-values-mastercard-credit-card requires applicants to be 18 years or older, a U.S. resident with a valid SSN/ITIN, and meet BreadFinance's creditworthiness criteria (typically good to excellent credit). New cardmembers may receive a bonus offer, often tied to spending a specific amount at Harmon Face Values within the initial 3 months, or a percentage back on Harmon Face Values purchases for a limited period. Application is subject to BreadFinance's standard credit review process. Store-specific restrictions apply, meaning enhanced rewards and benefits are primarily focused on Harmon Face Values purchases.

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance products, sudden large purchases inconsistent with spending patterns, late payments, defaulting on other BreadFinance products, excessive returns on Harmon Face Values purchases, or suspected fraud.

Cliff Effect Rules: Bonus eligibility for the 'harmon-face-values-mastercard-credit-card' is typically restricted to new cardmembers who have not received a bonus for this specific product or any other BreadFinance co-branded retail Mastercard within the past 24 months. Holding multiple BreadFinance co-branded cards may impact credit limit allocations and future application approvals.

Special Events: Exclusive discounts and bonus rewards points during Harmon Face Values' seasonal sales events (e.g., 'Beauty Bash,' 'Wellness Week'), loyalty program member-only previews, and anniversary sales. Cardholders may receive early access to promotions.

Holiday Promos: Enhanced rewards or special financing offers during major retail holidays such as Black Friday, Cyber Monday, Valentine's Day, Mother's Day, and the December holiday shopping season. Specific offers will be announced closer to the periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Good for loyal Harmon Face Values shoppers, offers exclusive discounts and rewards at the store. Relatively easy to get approved for fair credit.

Top Negative:
Limited rewards outside the store, customer service issues with Comenity Bank, high APR, and the store chain is now defunct.

Approval Experience: 70.0 / 100

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Card Value Score: 65.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0