Hot Topic Credit Card

BreadFinance Pending

Back Apply Now

6

Benefits

2

Reward Categories

10x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: hot-topic-visa-credit-card

Issuer: BreadFinance

Card Name: Hot Topic Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:53

Last Scraped: Feb 07, 2026 04:33

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Hot Topic Purchases 10x Points Purchases made at Hot Topic stores or hottopic.com No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Lifestyle 1
Birthday Offer
Special offer

Cardholders, as members of the Hot Topic Rewards program, receive a special promotional offer during their birthday month.

Shopping 5
Accelerated Rewards Points Earning
2 points per $1 spent

Cardholders earn 2 Hot Topic Rewards points for every $1 spent on qualifying purchases made with their Hot Topic Visa Credit Card.

Rewards Points Redemption
$5 reward for 100 points

Hot Topic Rewards points can be redeemed for rewards. 100 points are redeemable for a $5 reward.

Exclusive Member Offers
Exclusive offers and promotions

Cardholders, as members of the Hot Topic Rewards program, receive exclusive offers and promotions.

Early Access to Sales & Merchandise
Early access

Cardholders, as members of the Hot Topic Rewards program, receive early access to sales and new merchandise.

Free Standard Shipping (Tiered)
Free standard shipping

Cardholders, as members of the Hot Topic Rewards program, can qualify for free standard shipping on all hottopic.com orders upon reaching Level 2 or Level 3 status. The Hot Topic Visa Credit Card's accelerated point earning helps achieve these tiers faster.

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 $5 or 3% 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

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Bonus Rule: Earn 20% off your first Hot Topic purchase made within 30 days of account opening (up to $50 maximum discount). Additionally, earn 5x points on all Hot Topic purchases (in-store and online) and 1x point on all other eligible Visa purchases. Points are redeemable for Hot Topic store credit at a rate of 100 points = $1. Application Eligibility: Applicants must be at least 18 years old, a legal resident of the United States, possess a valid Social Security Number, and demonstrate a fair to good credit history (typically FICO score of 670+). Existing BreadFinance cardholders may be subject to additional review based on their current credit limits and recent application history.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance products, excessive returns at Hot Topic, unusual spending patterns inconsistent with typical consumer behavior, multiple recent credit applications with BreadFinance, high credit utilization across all credit lines.

Cliff Effect Rules: Applicants are eligible for the sign-up bonus on the Hot Topic Visa Credit Card once every 24 months. Cardholders may not hold more than one active Hot Topic Visa Credit Card account simultaneously. Approval for this card may impact eligibility for other BreadFinance credit products if total credit exposure limits are reached.

Special Events: Exclusive cardholder-only sales events, double points on specific merchandise categories during promotional periods, early access to Hot Topic Black Friday and other major holiday sales, birthday discount offers.

Holiday Promos: Enhanced rewards (e.g., 10x points on Hot Topic purchases) during key retail periods such as Halloween (October), Black Friday/Cyber Monday (November), and the Winter Holiday season (December). Special financing offers may also be available during these times.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Good for frequent Hot Topic shoppers, offers discounts and rewards on store purchases, relatively easy to get approved for those with fair credit.

Top Negative:
Poor customer service, high APR, issues with online account management, difficult to resolve billing disputes, low credit limits.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Target RedCard
  • Capital One QuicksilverOne
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $60.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0