HSN Credit Card
Basic Information
Program ID: hsn-card
Issuer: BreadFinance
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:00
Last Scraped: 01/15/2026 15:02
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: | $41.00 |
| Returned Payment: | $41.00 |
| 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: 2,124.00% - 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: $20.00
Spending Requirement: $20.00
Time Period: 0 days
Bonus Timing: Applied at the time of the first qualifying purchase.
Rewards Program
Reward Type: Proprietary Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x on select HSN promotions; 2x on all other HSN purchases; 1x on all other eligible purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points typically expire 24 months after they are earned or if the account becomes inactive.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 640 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The HSN Card, issued by Bread Financial, is a store-specific credit card primarily for purchases made at HSN. For 2026, application eligibility requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and be subject to credit approval by Bread Financial. Applications are typically processed online via HSN.com. Bonus rules are projected to continue focusing on immediate value rather than traditional spend-based points/miles. This commonly includes an initial discount on the first purchase (e.g., 20% off up to a certain amount) or special financing offers (e.g., 0% APR for 6-12 months on qualifying HSN purchases over a specified threshold). These offers are generally applied at the point of sale or within a short period of account opening.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: N/A (Bonuses are typically immediate discounts or special financing offers, not spend-based. If a spend-based bonus were introduced, it would likely be 30-90 days.)
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases if allowed), unusual spending patterns inconsistent with typical HSN purchases, high volume of returns, multiple applications for Bread Financial cards in a short period, high cumulative credit limit across all Bread Financial accounts, late payments, defaulting on other Bread Financial accounts, or suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.9 / 5.0
Top Positive Feedback:
Easy approval process, beneficial for frequent HSN shoppers with exclusive promotions and rewards on HSN purchases.
Top Negative Feedback:
Frequent complaints about poor customer service from Comenity Bank, high annual percentage rates (APR), difficulties with reward redemption, and limited value for spending outside of HSN.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature Card
- Target RedCard
- Citi Custom Cash Card
Card Value Score: 40.0 / 100
Est. Annual Rewards: $60.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 60% Store / 40% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: February 2024