Peebles Credit Card
Basic Information
Program ID: peebles-credit-card
Issuer: BreadFinance
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:23
Last Scraped: 01/15/2026 12:25
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| 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: 2,999.00% - 2,999.00%
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: $50.00
Spending Requirement: $250.00
Time Period: 90 days
Bonus Timing: Rewards typically post to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Travel booked through BreadFinance portal, 3x Dining, 2x Groceries & Gas
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: Delta SkyMiles, United MileagePlus, British Airways Executive Club, Hilton Honors, Marriott Bonvoy
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Bonus Rule: Earn a 20% discount on your first Peebles purchase made within 30 days of account opening, plus 5% back in Peebles Rewards on all Peebles purchases. New cardholders also receive 2% back on gas and groceries, and 1% on all other eligible purchases for the first 12 months. Application Rules & Eligibility: Applicants must be 18 years or older, a US resident, possess a valid SSN, and meet BreadFinance's creditworthiness criteria (typically good to excellent credit for the best offers). Applications are primarily processed online or in-store at Peebles locations. Store-specific restrictions apply, meaning certain promotional offers or benefits may only be redeemable at Peebles stores or their online platform, and some categories of purchases may be excluded from bonus rewards.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (especially if co-branded), rapid credit limit increases without corresponding income, unusual spending patterns inconsistent with typical retail behavior at Peebles, high cumulative credit limit across BreadFinance products, repeated product churning for bonuses, or defaulting on other BreadFinance accounts.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.0 / 5.0
Top Positive Feedback:
Easy approval for store loyalty, occasional discounts on Peebles purchases.
Top Negative Feedback:
High APR, poor customer service, limited use, store no longer exists.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Card
- Kohl's Charge
- Discover it Secured Card
Card Value Score: 30.0 / 100
Est. Annual Rewards: $10.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: October 2023