Lexus Pursuits Visa Signature® Card

BreadFinance Visa Signature Pending

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22

Benefits

5

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: lexus-pursuits-visa

Issuer: BreadFinance

Card Name: Lexus Pursuits Visa Signature® Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:44

Last Scraped: Feb 02, 2026 18:05

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible servicemembers may qualify for a 6% interest rate on balances incurred prior to active duty start date. To request SCRA benefits, send a copy of active duty orders.

Rewards Program (Detailed) 5 Categories
PENDING
Category Rate Type Description Annual Cap Status
Lexus Dealerships 5x Points Purchases made at Lexus dealerships. No Cap
Gas 5x Points Purchases made at gas stations. No Cap
Dining 2x Points Purchases made at restaurants. No Cap
Entertainment 2x Points Purchases made at entertainment venues. No Cap
All Other Purchases 1x Points All eligible purchases not falling into other bonus categories. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 22 Total
PENDING
Lifestyle 1
Visa Signature Concierge Service
24/7 personal assistance

A complimentary 24/7 personal assistant service that can help with travel planning, dinner reservations, event tickets, and more.

Purchase Protection 3
Extended Warranty Protection
Up to 1 additional year, up to $10,000 per claim, $50,000 per cardholder

Doubles the original manufacturer's warranty up to one additional year on eligible items purchased with the card. Applies to warranties of three years or less.

Purchase Security
Up to $500 per claim, $50,000 per cardholder

Protects eligible new purchases made with the card against theft or damage for the first 90 days from the date of purchase.

Cell Phone Protection
Up to $600 per claim, maximum 2 claims per 12-month period, up to $1,000 per 12-month period

Provides coverage for damage to or theft of an eligible cell phone when the monthly cell phone bill is paid with the card. A $50 deductible applies per claim.

Security 4
Lost/Stolen Card Reporting
Assistance service

Assistance with reporting a lost or stolen card, canceling the old card, and arranging for a replacement card.

Emergency Card Replacement
Assistance service

Assistance with getting an emergency card replacement.

Emergency Cash Disbursement
Assistance service

Assistance with getting an emergency cash advance.

Zero Liability
Full protection against unauthorized use

Protects cardholders from unauthorized purchases. Cardholders are not responsible for unauthorized transactions made with their Visa card.

Shopping 6
Earn Rewards on Lexus Purchases
5 points per $1

Earn 5 points per $1 spent on eligible purchases at participating Lexus dealerships.

Earn Rewards on Gas & Dining
2 points per $1

Earn 2 points per $1 spent on eligible gas and dining purchases.

Earn Rewards on All Other Purchases
1 point per $1

Earn 1 point per $1 spent on all other eligible purchases everywhere Visa credit cards are accepted.

Redeem Rewards for Lexus Rewards Certificates
Varies based on redemption rate

Redeem accumulated points for Lexus Rewards Certificates, which can be used towards Lexus purchases, service, parts, and accessories at participating Lexus dealerships.

Redeem Rewards for Cash Back
Varies based on redemption rate

Redeem accumulated points for cash back in the form of a statement credit or direct deposit.

Redeem Rewards for Gift Cards
Varies based on redemption rate

Redeem accumulated points for gift cards from various merchants.

Travel 1
Redeem Rewards for Travel
Varies based on redemption rate

Redeem accumulated points for travel-related expenses.

Travel Insurance 7
Roadside Dispatch
Pay-per-use service

A pay-per-use roadside assistance program. Cardholders can call a toll-free number for services like standard towing, tire changing, jump starting, lockout service, fuel delivery, and winching.

Travel and Emergency Assistance Services
Referral and coordination service

Provides a range of services when traveling, including medical and legal referrals, emergency transportation assistance, pre-trip assistance, emergency message service, lost luggage locator, and emergency ticket replacement. Cardholders are responsible for the cost of third-party services.

Auto Rental Collision Damage Waiver
Up to the actual cash value of most rental vehicles

Provides coverage for damage due to collision or theft for most rental cars when the cardholder declines the rental company's collision damage waiver (CDW) or similar option and pays for the entire rental transaction with their eligible Visa card. Coverage is secondary to other applicable insurance.

Travel Accident Insurance
Up to $250,000

Provides coverage for accidental death or dismemberment when traveling on a common carrier and the entire fare has been charged to the eligible Visa card.

Lost Luggage Reimbursement
Up to $3,000 per trip

Reimburses cardholders for the replacement of luggage and its contents if checked or carry-on luggage is lost or stolen on a common carrier trip when the entire fare has been charged to the eligible Visa card.

Trip Delay Reimbursement
Up to $500 per ticket

Reimburses cardholders for reasonable additional expenses incurred when a covered trip is delayed for more than 6 hours or requires an overnight stay, due to a covered hazard, when the entire fare has been charged to the eligible Visa card.

Trip Cancellation/Interruption Insurance
Up to $2,000 per person, per trip

Reimburses cardholders for non-refundable passenger fares if a trip is canceled or interrupted for a covered reason, when the entire fare has been charged to the eligible Visa card.

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
Penalty APR: 29.99%
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: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 30.24%

Balance Transfer APR: 26.24%

Cash Advance APR: 30.49%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Lexus Pursuits Visa card is designed for individuals with good to excellent credit (typically FICO score 670+). Applicants must be 18 years or older, a U.S. resident, and demonstrate sufficient income to meet payment obligations. A typical sign-up bonus for new cardholders involves earning a specific amount of Lexus Pursuits points (e.g., 25,000 points) after spending $2,000 within the first 3 months of account opening. Points are redeemable for Lexus service, parts, accessories, or towards the purchase/lease of a new Lexus vehicle. Store-specific restrictions apply, meaning bonus categories and redemption options are primarily limited to authorized Lexus dealerships and their associated services. Eligibility may also be restricted for individuals who have previously held a Lexus co-branded card within the last 24 months.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all BreadFinance accounts, excessive returns, prolonged card inactivity, multiple late payments on any BreadFinance account, opening too many BreadFinance accounts in a short period (e.g., 3+ within 6 months), significant adverse changes in credit profile.

Cliff Effect Rules: BreadFinance (formerly Comenity) generally does not have 'card family' or 'once per lifetime' bonus rules like major banks. However, there may be an informal limit on the total number of active credit lines or the cumulative credit limit extended to a single customer across all BreadFinance-issued cards. Applying for multiple BreadFinance cards within a short timeframe (e.g., 90 days) may result in automatic denials or lower credit limits.

Special Events: Lexus dealerships frequently run special promotions during new model year launches (typically fall), end-of-year sales events (November-December), service specials (seasonal, e.g., spring/winter maintenance), and exclusive owner events. Cardholders may receive targeted offers during these periods.

Holiday Promos: Common promotional periods include Black Friday/Cyber Monday (late November), Christmas/New Year (December), Memorial Day (May), Labor Day (September), and other national holidays where automotive sales are traditionally strong.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Excellent rewards for loyal Lexus owners on service, parts, and accessories. Good points earning on gas, dining, and travel. Points can be redeemed for valuable Lexus rewards.

Top Negative:
Customer service from Comenity Bank can be challenging. High interest rates if a balance is carried. Redemption process for points can sometimes be clunky or limited.

Approval Experience: 75.0 / 100

Recommended Alternatives
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Card Value Score: 70.0 / 100

Est. Annual Rewards: $650.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0