QVC QCard
Basic Information
Program ID: qvc-qcard
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:03
Last Scraped: 01/15/2026 15:04
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: | 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: 2,924.00% - 3,324.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No traditional sign-up bonus (points/cash back for meeting a spending threshold) is currently advertised for the QVC QCard on its public home page. Benefits typically include special financing offers and exclusive QVC promotions for cardholders.
Rewards Program
Reward Type: QVC Rewards Dollars
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 1x on all QVC, HSN, and Zulily purchases; 5x on select QVC/HSN/Zulily promotional categories (e.g., specific product lines or seasonal events)
Point Value Estimate: 1.0000 cents/point
Expiration Policy: QVC Rewards Dollars expire 12 months after issuance.
Transfer Partners: N/A
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
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: For 2026, new qvc-qcard applicants are typically eligible for an immediate discount (e.g., $10-$20 off) on their first QVC or HSN purchase, or special promotional financing offers on qualifying purchases. Eligibility requirements include being at least 18 years old, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating sufficient income and creditworthiness as determined by BreadFinancial's underwriting standards. Approval is subject to credit history review.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: Immediate discount on first purchase; special financing terms apply to specific purchases and vary by promotion.
Shutdown Risk Triggers: Missed or consistently late payments, significant deterioration of credit score, high credit utilization across BreadFinancial accounts, abuse of promotional financing terms (e.g., not making minimum payments), suspected fraudulent activity, or exceeding internal cumulative credit exposure limits with BreadFinancial.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy approval for QVC shoppers, special financing offers are great for large purchases, and exclusive discounts are a plus.
Top Negative Feedback:
High interest rates, only useful at QVC, and customer service can be difficult to reach.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Store Card
- Capital One Platinum
Card Value Score: 60.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: October 2023