Hot Topic Credit Card
Basic Information
Program ID: hot-topic-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:27
Last Scraped: 01/15/2026 11:05
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
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: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20.00
Spending Requirement: $0.00
Time Period: 30 days
Bonus Timing: Hot Topic Rewards typically post to your account within 1-2 billing cycles after the qualifying purchase is made.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Travel booked through BreadFinance portal, 3x Dining, 2x Groceries, 1x All other purchases
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: United Airlines, British Airways, Hyatt, Marriott, Virgin Atlantic
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: The Hot Topic Credit Card for 2026 offers a sign-up bonus of 20% off your first Hot Topic purchase made within 30 days of account opening. Additionally, cardholders earn 5% back in Hot Topic Rewards on all eligible purchases made at Hot Topic stores or hottopic.com. Application eligibility requires applicants to be 18 years or older (19 in AL/NE), possess a valid U.S. Social Security Number or ITIN, and have a U.S. residential address. Approval is subject to BreadFinance's credit underwriting standards, typically favoring applicants with fair to good credit (FICO score of 640+ recommended). Applicants cannot have opened another Hot Topic Credit Card account within the past 24 months.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Repeated late payments, high credit utilization on the card, defaulting on other BreadFinance products, suspicious activity inconsistent with typical retail spending patterns, bankruptcy filings, or significant negative changes in credit profile. While less common for store cards, manufactured spending or abuse of promotional offers could also trigger review.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy to get approved, good for building credit, offers discounts and rewards for Hot Topic purchases, useful for loyal shoppers.
Top Negative Feedback:
High APR, limited acceptance (store-only), poor customer service from Comenity, low credit limits, frequent balance transfer offers can be confusing.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One Platinum Secured
- Discover it Secured
Card Value Score: 45.0 / 100
Est. Annual Rewards: $40.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 24 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0