Peebles Credit Card

BreadFinance Pending

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2

Benefits

2

Reward Categories

2x

Max Reward

35%

APR From
Basic Information
PENDING

Program ID: peebles-credit-card

Issuer: BreadFinance

Card Name: Peebles Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:23

Last Scraped: Feb 07, 2026 04:41

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Comenity Bank offers SCRA benefits, including an interest rate reduction to 6% on certain pre-service obligations for eligible active duty servicemembers and their dependents. Contact 1-800-227-1175 for details.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Peebles Purchases 2x Points Purchases made at Peebles stores or online at peebles.com. No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted, outside of Peebles. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 2 Total
PENDING
Shopping 2
Points Earning on Peebles Purchases
Earn 1 point per $1 spent

Cardholders earn 1 point for every $1 spent using their Peebles Credit Card at Peebles stores and peebles.com.

Peebles Rewards Certificate Redemption
$10 certificate for every 200 points earned

Cardholders receive a $10 Peebles Rewards Certificate for every 200 points earned. Certificates are valid for 90 days from the date of issue and are redeemable for merchandise at Peebles stores and peebles.com.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: None
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: 34.99% - 34.99%

Balance Transfer APR: 34.99%

Cash Advance APR: 34.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: New cardholders for the Peebles Credit Card (2026) receive a 20% discount on their first Peebles purchase made within 30 days of account opening, up to a maximum discount of $100. Additionally, earn 5% back in Peebles Rewards on all Peebles purchases and 1% back on all other eligible purchases. Eligibility requirements include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid SSN or ITIN, and possessing a verifiable income source. Approval is subject to BreadFinance's credit underwriting standards, typically requiring a fair to good credit score (e.g., FICO 640+).

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance products, rapid application for multiple credit products, unusual spending patterns inconsistent with typical retail purchases, excessive returns, defaulting on payments, or suspected fraud.

Cliff Effect Rules: Bonus eligibility for the Peebles Credit Card is restricted to new cardholders who have not received a new cardholder bonus for any Peebles-branded credit product within the last 24 months. Holding other BreadFinance co-branded or store cards does not generally preclude eligibility for the Peebles card, but overall credit exposure with BreadFinance may be a factor in approval.

Special Events: Exclusive cardholder-only sales events, double points days on specific product categories, early access to new product launches, and special financing offers on large Peebles purchases throughout the year.

Holiday Promos: Black Friday/Cyber Monday week, Christmas/Holiday Shopping 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
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for store loyalists, initial discount offers, helps build credit for those with fair credit.

Top Negative:
High APR, limited use to Peebles stores, often criticized for customer service, low credit limits.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Card
  • Discover it Secured Credit Card
  • Target RedCard (Debit or Credit)

Card Value Score: 45.0 / 100

Est. Annual Rewards: $40.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0