Hot Topic Mastercard® Credit Card

BreadFinance Mastercard Pending

Back Apply Now

6

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: hot-topic-credit-card

Issuer: BreadFinance

Card Name: Hot Topic Mastercard® Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:27

Last Scraped: Feb 07, 2026 04:13

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible active duty Servicemembers may qualify for certain benefits under the Servicemembers Civil Relief Act (SCRA). Contact 1-800-251-2547 or visit comenity.net/scra for more information.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Hot Topic & BoxLunch Purchases 5x Points Purchases made at Hot Topic stores, HotTopic.com, BoxLunch stores, and BoxLunch.com. No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa credit cards are accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

The Hot Topic Guest List Credit Card does not charge an annual fee for card membership.

Lifestyle 1
Exclusive Birthday Offer
Varies

Cardholders receive an exclusive offer during their birthday month as a special thank you.

Shopping 4
Base Points Earning Rate
1 point per $1 spent

Cardholders earn 1 Program Point for every $1 of Net Eligible Purchases made with their Hot Topic Guest List Credit Card at Hot Topic stores or online at hottopic.com.

Reward Certificate Redemption
$5 reward for every 100 points; Rewards expire 45 days

For every 100 Program Points earned, cardholders will receive a $5 Hot Topic Rewards Certificate. Rewards expire 45 days from the date of issuance.

Special Cardholder-Only Offers
Varies by offer

Cardholders receive access to special, exclusive offers and promotions available only to Hot Topic Guest List Credit Card members.

Bonus Points Promotions
Varies by promotion

From time to time, cardholders may be offered opportunities to earn bonus Points on qualifying purchases. Additional terms and conditions may apply to each specific offer.

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%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: New cardholders for 2026 receive a 20% discount on their first Hot Topic purchase made within 30 days of account opening, plus a $25 Hot Topic Rewards certificate after spending $250 outside of Hot Topic within the first 90 days. Eligibility requirements: Applicants must be 18 years or older, a U.S. resident with a valid SSN, and possess a good to excellent credit score (typically FICO 670+). Must not have declared bankruptcy in the past 5 years. Income verification may be required. This card is primarily for Hot Topic purchases, with store-specific restrictions applying to rewards redemption and promotional offers.

Max Cards Per Issuer: 1

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance products, excessive returns, non-payment, suspicious activity, rapid credit limit increase requests, opening multiple BreadFinance co-branded cards in a short period, or any activity deemed fraudulent or abusive of the rewards program.

Cliff Effect Rules: Applicants are generally limited to one 'hot-topic-credit-card' at any given time. Eligibility for the sign-up bonus is restricted to new cardholders who have not held a 'hot-topic-credit-card' or received a sign-up bonus for this specific product within the last 24 months.

Special Events: Exclusive early access to Hot Topic sales events, double rewards points on specific themed merchandise launches, and a special birthday discount (e.g., 15% off a single purchase during your birthday month).

Holiday Promos: Key promotional periods include Halloween (October), Black Friday/Cyber Monday (November), Christmas/Holiday Season (December), and Back-to-School (August).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Great for Hot Topic loyalists, frequent discounts and special offers, easy approval process, good for building credit.

Top Negative:
High APR, limited acceptance outside Hot Topic, poor customer service from Comenity, rewards can be slow to redeem.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Target RedCard
  • Capital One Platinum Secured
  • Discover it Secured

Card Value Score: 65.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023-10