Lexus Pursuits Visa Signature® Credit Card
Basic Information
Program ID: lexus-pursuits-visa
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 12:44
Last Scraped: 01/15/2026 12:46
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: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater. |
| 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: $15,000.00
Spending Requirement: $2,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Lexus Dealerships (Sales, Service, Parts), 3x Gas Stations, 2x Dining & Travel
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: N/A (Points primarily redeemable for Lexus rewards, travel through BreadFinance portal, or statement credit)
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 720 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Lexus Pursuits Visa requires applicants to be 18 years or older (21 in some states), a U.S. resident with a valid SSN or ITIN, and possess a good to excellent credit score (typically 670+ FICO) with sufficient verifiable income. All applications are subject to BreadFinance's credit approval process. Bonus offers, such as 'Earn X points after spending $Y within Z months,' are subject to specific terms and conditions. Points earned are primarily redeemable for Lexus services, accessories, or statement credits, with store-specific restrictions applying to redemption and bonus categories. Account must be in good standing.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance accounts, rapid application for multiple BreadFinance cards, unusual spending patterns inconsistent with typical card usage, defaulting on other BreadFinance accounts, abuse of return policies or promotional offers, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Strong rewards on Lexus purchases and services, exclusive brand perks, good for loyal Lexus customers, premium feel.
Top Negative Feedback:
Limited redemption options outside of Lexus, customer service issues with Comenity Bank, high APR for some users, rewards structure can be complex.
Approval Experience Score: 72.5 / 100
Recommended Alternatives
- Chase Sapphire Preferred
- Capital One Venture X Rewards Credit Card
- GM BuyPower Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $340.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 60% General / 40% Lexus
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0