Hot Topic Credit Card
Basic Information
Program ID: hot-topic-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:53
Last Scraped: 01/15/2026 11:34
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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: 2,924.00% - 2,924.00%
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: $150.00
Spending Requirement: $750.00
Time Period: 90 days
Bonus Timing: Cash back will be applied to your account within 8-12 weeks after meeting the spending requirement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Hot Topic stores and HotTopic.com, 3x on Streaming Services and Online Apparel Retailers, 2x on Dining
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: Southwest Airlines Rapid Rewards, Choice Hotels Rewards
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 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Eligibility for the Hot Topic Visa Credit Card requires applicants to be at least 18 years of age (19 in AL/NE), a US resident, possess a good to excellent credit score (typically FICO 670+), and demonstrate stable income. Applicants must not have opened more than two new credit accounts with BreadFinance within the last 12 months. The sign-up bonus offers 20% off the first Hot Topic purchase made within 30 days of account opening, plus 5,000 bonus points (valued at $25) after spending $500 on eligible purchases within the first 3 months. Store-specific restrictions apply to bonus point redemption and promotional offers, particularly for limited edition merchandise or certain in-store events.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance products, rapid succession of new credit applications, unusual spending patterns inconsistent with declared income, defaulting on other BreadFinance accounts, or repeated violations of store-specific promotional terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy approval for fair credit, initial discount on first purchase, good for frequent Hot Topic shoppers, occasional store-specific promotions.
Top Negative Feedback:
High APR, poor customer service from issuer (Bread Financial), limited rewards outside Hot Topic, difficult account management, frequent credit limit increases without request.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Discover it® Secured Credit Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $70.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0