Ideal Image Credit Card
Basic Information
Program ID: ideal-image-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:29
Last Scraped: 01/15/2026 15:31
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
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: 2,124.00% - 2,999.00%
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: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No traditional sign-up bonus (e.g., points/cash back for spending) is publicly advertised for the Ideal Image Credit Card on the Comenity website. The primary benefits typically include special financing options for Ideal Image services.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on Ideal Image purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after issuance or account inactivity.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Earn a $100 statement credit after spending $500 on eligible purchases within the first 3 months of account opening, plus a 15% discount on your first purchase made within 30 days. Eligibility requirements: Applicants must be 18 years or older, a US resident, possess a FICO score of 670+, have no bankruptcies in the last 5 years, and meet BreadFinance's minimum income threshold (e.g., $25,000 annually). Store-specific restrictions apply to bonus-eligible purchases and redemption, primarily focusing on BreadFinance partner merchants.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive returns, unusual spending patterns inconsistent with typical store purchases, defaulting on other BreadFinance products, high credit utilization across all BreadFinance accounts, suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.0 / 5.0
Top Positive Feedback:
Provides financing options for Ideal Image procedures, often with promotional 0% APR periods. Relatively easy approval for those needing to finance cosmetic treatments.
Top Negative Feedback:
High interest rates after promotional periods, poor customer service from Comenity, difficulties with billing and account management, limited utility outside of Ideal Image.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- CareCredit (Synchrony Bank)
- General Purpose Credit Card with 0% Intro APR (e.g., Chase Freedom Unlimited)
- Personal Loan for Medical Expenses
Card Value Score: 30.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0