Ideal Image Credit Card

BreadFinance Pending

Back Apply Now

1

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: ideal-image-credit-card

Issuer: BreadFinance

Card Name: Ideal Image Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:29

Last Scraped: Feb 15, 2026 09:43

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 1 Total
PENDING
Shopping 1
Special Financing Options
Varies by promotion

Cardholders may be eligible for special financing options on qualifying Ideal Image purchases. Specific terms and conditions, including minimum purchase amounts and promotional periods (e.g., deferred interest, 0% APR for a limited time), apply and are disclosed at the time of purchase or promotion.

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
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 60 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18, 24, 36, 48 or 60 Months. Minimum monthly payments are required. Valid for single transaction only. Prior purchases excluded. Account must be in good standing. Offer is subject to change without notice. May not be combined with any other credit promotion. See associate for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Earn a $100 statement credit after spending $500 within the first 3 months of account opening, plus a 15% discount on your first Ideal Image purchase made with the card. Eligibility requirements include a good to excellent credit score (FICO 670+ recommended), US residency, age 18+, and sufficient verifiable income. Applicants must not have received a bonus for the 'ideal-image-credit-card' in the past 24 months and are generally limited to one 'ideal-image-credit-card' account per customer.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (e.g., 3+ new accounts across all issuers in 6 months), high cumulative credit limit with BreadFinance, repeated abuse of return policies, or any activity deemed fraudulent or in violation of the cardholder agreement.

Cliff Effect Rules: Bonus eligibility is limited to once every 24 months per customer for the 'ideal-image-credit-card' product. Customers are generally limited to holding one 'ideal-image-credit-card' account at any given time.

Special Events: Exclusive cardholder-only sales events, double rewards points on specific product categories during promotional periods, early access to new product launches, and a special birthday discount.

Holiday Promos: Key retail holidays including Black Friday/Cyber Monday (November), Holiday Season (December), Valentine's Day (February), Mother's Day (May), and Back-to-School (August).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.2 / 5.0

Top Positive:
Provides special financing options for Ideal Image services; relatively easy approval for those with fair credit.

Top Negative:
High APR after promotional periods; poor customer service from Comenity Bank; limited utility outside of Ideal Image; difficult to manage promotional terms.

Approval Experience: 60.0 / 100

Recommended Alternatives
  • CareCredit (for medical/beauty financing)
  • Capital One Platinum Secured Credit Card (for building credit)
  • Discover it Secured Credit Card (for building credit with rewards)

Card Value Score: 55.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023.10