6
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: hsn-card
Issuer: BreadFinance
Card Name: HSN Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Federal law provides important protections to members of the Armed Forces and their dependents, limiting the cost of credit to an annual percentage rate of 36 percent, including certain fees and premiums. Call 1-866-841-5037 for more information.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| HSN Purchases | 2x | Points | Earn 2 HSN Points for every $1.00 in Net New Purchases made at HSN. | No Cap | |
| All Other Purchases | 1x | Points | Earn 1 HSN Point for every $1.00 in Net New Purchases made everywhere else Visa credit cards are accepted. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 6 Total
PENDINGLifestyle 1
Birthday Offer
Varies by offerCardholders receive a special offer during their birthday month. Details of the offer are communicated via email or mail.
Shopping 5
Earn HSN Rewards Points
2 points per $1 spentCardholders earn 2 points for every $1 spent on eligible purchases made with the HSN Credit Card at HSN.com, HSN mobile app, and HSN TV. Points expire 12 months after being earned.
HSN Spendable Ka$h Redemption
$10 HSN Spendable Ka$h per 1,000 pointsEarned points are automatically converted into HSN Spendable Ka$h. 1,000 points are equivalent to $10 HSN Spendable Ka$h, issued in $10 increments. Spendable Ka$h expires 90 days after issuance.
Special Financing on HSN Purchases
Varies by offerCardholders may receive special financing offers on qualifying HSN purchases. These offers allow for deferred interest or interest-free periods if the promotional balance is paid in full by the due date.
Free Shipping Offer
Free shipping on one purchaseCardholders receive an offer for free shipping on one HSN purchase. Details of the offer are communicated via email or mail.
Exclusive Cardholder Offers
Varies by offerCardholders receive exclusive offers and promotions throughout the year, providing additional savings or benefits on HSN purchases.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The HSN Card, issued by Bread Financial (Comenity Bank), is a store-specific credit card. Eligibility requires applicants to be 18 years or older, possess a valid U.S. Social Security Number or ITIN, and have a U.S. mailing address. All applications are subject to credit approval. Bonus rules typically include an initial discount on the first qualifying HSN purchase (e.g., 20% off) upon account opening. Ongoing benefits often feature special financing offers on eligible HSN purchases (e.g., 0% APR for X months on purchases over a certain threshold), exclusive cardholder discounts, and early access to sales events. There are no traditional 'spend X in Y months' general spending bonuses.
Max Cards Per Issuer: 7
Min Spend Interval: For initial sign-up bonuses (e.g., first purchase discount), the bonus is typically applied immediately upon the first qualifying purchase. For special financing offers, the 'spend interval' is ongoing as long as the purchase meets the minimum threshold for the promotion.
Cliff Effect Rules: Not applicable. The HSN Card is a standalone store-specific credit card and does not belong to a complex card family with inter-card eligibility restrictions or bonus limitations like those found with major bank issuers (e.g., Chase 5/24, Amex once-per-lifetime rules).
Special Events: HSN's 'Today's Special' promotions, 'HSN Live' event discounts, 'Customer Appreciation Days,' and exclusive cardholder-only sales events. These are typically announced via email, on the HSN website, or during live broadcasts.
Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day, Father's Day, Valentine's Day, and seasonal sales (e.g., Spring Fling, Summer Savings).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.3 / 5.0
Top Positive:
Easy approval process, special financing offers, exclusive discounts for HSN shoppers, birthday rewards.
Top Negative:
High APR, poor customer service from Comenity Bank, limited utility outside HSN, low credit limits, difficult account management.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Amazon Store Card
- Target RedCard
- Capital One Platinum Credit Card
Card Value Score: 40.0 / 100
Est. Annual Rewards: $45.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v2024-01