Houzz Mastercard® Credit Card

BreadFinance Mastercard Pending

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4

Benefits

4

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: houzz-mastercard-credit-card

Issuer: BreadFinance

Card Name: Houzz Mastercard® Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 15, 2026 09:46

Last Scraped: Feb 15, 2026 09:48

Apply URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Houzz Purchases 5x Cash Back Net Eligible Purchases made at Houzz.com, Houzz Shop, and Houzz Pro. No Cap
Groceries 2x Cash Back Net Eligible Purchases made at grocery stores. No Cap
Gas 2x Cash Back Net Eligible Purchases made at gas stations. No Cap
All Other Purchases 1x Cash Back Net Eligible Purchases made everywhere else Mastercard is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Shopping 4
5% Houzz Rewards on Houzz Purchases
5% back

Earn 5% back in Houzz Rewards (equivalent to 5 points per $1 spent) on eligible purchases made at Houzz.com or through the Houzz app.

1% Houzz Rewards on All Other Purchases
1% back

Earn 1% back in Houzz Rewards (equivalent to 1 point per $1 spent) on all other eligible purchases made everywhere Mastercard is accepted, outside of Houzz.

Houzz Rewards Redemption for Houzz Credit
1 point = $0.01 Houzz Credit

Earned Houzz Rewards are automatically converted to Houzz Credit once a minimum threshold is met (e.g., 2,500 points convert to $25 Houzz Credit). The Houzz Credit is applied to your Houzz account for use on future Houzz purchases.

Welcome Offer - $50 Houzz Credit
$50 Houzz Credit

Get a $50 Houzz Credit when you spend $500 outside of Houzz within 90 days of account opening.

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 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: 21.24% - 31.24%

Balance Transfer APR: 31.24%

Cash Advance APR: 32.24%

Intro APR Offers

Intro Purchase APR: 0% for 6 months

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: New cardholders receive a $50 statement credit after spending $500 on Houzz.com within the first 90 days. Eligibility requires applicants to be 18+ years old (19 in AL/NE), a US resident with a valid SSN/ITIN, and possess good to excellent credit history. Ongoing rewards include 5% back on Houzz purchases, 2% on select home improvement and dining, and 1% on all other purchases.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all BreadFinance accounts, prolonged inactivity, missed or late payments, excessive returns on Houzz purchases, suspicious spending patterns, or opening too many BreadFinance accounts in a short period.

Cliff Effect Rules: Approval for new BreadFinance cards or credit limit increases may be restricted if total credit exposure across all BreadFinance accounts exceeds internal thresholds, regardless of individual card performance. There are no specific 'family' bonus restrictions like those found with other major issuers.

Special Events: Exclusive Houzz-specific sales events, early access to new product launches, special financing offers on large Houzz purchases, and complimentary design consultation offers.

Holiday Promos: Black Friday/Cyber Monday, Memorial Day, Labor Day, 4th of July, End-of-Year Sales, Spring Home Improvement Sales, Fall Home Decor Events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent rewards for Houzz purchases, easy application process, good for building credit, useful for home improvement projects.

Top Negative:
High APR, poor customer service, limited rewards outside of Houzz, low initial credit limits, rewards redemption can be cumbersome.

Approval Experience: 72.5 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Discover it Cash Back

Card Value Score: 68.0 / 100

Est. Annual Rewards: $180.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0