9
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: kingsize-mastercard
Issuer: BreadFinance
Card Name: KingSize® Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Eligible active duty service members may be entitled to certain benefits under the Servicemembers Civil Relief Act (SCRA). Contact issuer for details.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| KingSize Purchases | 2x | Points | Purchases made at KingSize stores or online at kingsize.com | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Visa is accepted | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 9 Total
PENDINGFinancial 1
No Annual Fee
No annual feeThe KingSize Mastercard does not charge an annual fee for card membership.
Security 2
Zero Liability Protection
Full protection against unauthorized purchasesProtects cardholders from financial responsibility for unauthorized purchases made with their Mastercard credit card.
ID Theft Protection
Identity theft monitoring and resolution assistanceProvides services to help detect and resolve identity theft, including monitoring and resolution assistance.
Shopping 5
KingSize Purchase Rewards
2 points per $1 spent at KingSizeEarn 2 points for every $1 spent on purchases made at KingSize.
Everyday Purchase Rewards
1 point per $1 spent everywhere elseEarn 1 point for every $1 spent on purchases made everywhere else Mastercard is accepted.
Reward Redemption
$10 Reward for every 200 pointsReceive a $10 reward certificate for every 200 points earned. Reward certificates can be used towards future KingSize purchases.
Special Financing Offers
Varies by offerAccess to special financing offers on KingSize purchases, allowing for deferred interest or reduced APR periods.
Exclusive Cardmember Savings Events
Varies by eventAccess to exclusive savings events and promotions available only to KingSize credit cardholders.
Travel 1
Global Service
24/7 emergency assistanceProvides emergency assistance services 24 hours a day, 7 days a week, for lost or stolen cards, emergency cash advances, and emergency card replacement.
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
PENDING$50
Cash BackRequirement: Spend $500 in 90 days
Timing: The statement credit will be applied to your account within 1-2 billing cycles after you meet the spending requirement.
Expires: Dec 31, 2025
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 balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 3.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 31.24%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Earn a $100 statement credit after spending $500 on purchases within the first 3 months of account opening. Eligibility requires applicants to be 18 years or older, a US resident, possess good to excellent credit history, and have sufficient income. Applicants must not have opened more than 2 Bread Financial credit accounts in the past 12 months. Bonus is only available to new cardholders and may not be combined with other introductory offers. Store-specific restrictions apply to certain promotional offers and redemption of rewards.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Cardholders are generally limited to one introductory bonus per 'kingsize-mastercard' product lifetime. While holding multiple Bread Financial cards is possible, overall credit exposure across all Bread Financial accounts is considered, potentially limiting new card approvals or credit line increases if total exposure is deemed too high.
Special Events: Exclusive cardholder-only sales events at Kingsize, double rewards points on specific promotional days (e.g., 'Kingsize Member Days'), early access to new product launches, and special financing offers on large Kingsize purchases.
Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season (November-December), Back-to-School (July-August), Mother's Day/Father's Day (May-June), and seasonal clearance events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Good rewards for frequent KingSize shoppers, exclusive discounts, and a useful tool for building credit.
Top Negative:
Frequent complaints about customer service, high interest rates, and limited general-purpose rewards compared to other cards.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Discover it Secured
- Wayfair Mastercard
Card Value Score: 60.0 / 100
Est. Annual Rewards: $70.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v2024.01