QVC QCard

BreadFinance Pending

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5

Benefits

0

Reward Categories

—

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: qvc-qcard

Issuer: BreadFinance

Card Name: QVC QCard

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:03

Last Scraped: Feb 15, 2026 09:37

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The QCard does not charge an annual fee for card membership.

Shopping 4
Rewards Earning Rate
1 point per $1 spent

Cardholders earn 1 point for every $1 spent on QVC and HSN purchases made with the QCard.

Rewards Redemption for Certificates
Redeem points for QVC and HSN Rewards Certificates

Points earned through QCard purchases can be redeemed for QVC and HSN Rewards Certificates, which can be used towards future purchases at QVC and HSN.

Special Financing Offers
Varies by offer

Cardholders may be eligible for special financing offers on qualifying purchases made with the QCard. Specific terms and conditions apply to each offer.

Exclusive Offers and Promotions
Access to exclusive offers

Cardholders receive access to exclusive offers and promotions from QVC and HSN.

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
PENDING

$20

Cash Back
Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If your promotional purchase is subject to deferred interest, interest will be charged to your account from the purchase date if the promotional purchase is not paid in full by the end of the promotional period.
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: The QVC QCard, issued by BreadFinance, typically offers special financing promotions and exclusive discounts rather than a traditional sign-up bonus. For 2026, expect offers such as 0% APR on specific purchases for a promotional period (e.g., 6, 9, or 12 months) or a percentage off your first purchase (e.g., 10-20%). Eligibility requirements include being at least 18 years old (19 in AL/NE), having a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a valid U.S. mailing address, and being subject to credit approval by BreadFinance. Applicants generally need fair to good credit for approval. Only one QVC QCard account is permitted per customer.

Max Cards Per Issuer: 1

Min Spend Interval: N/A for traditional bonus spend; promotional offers (e.g., special financing) are tied to specific purchase amounts and must be met within the stated promotional period (e.g., 6, 9, or 12 months from purchase date).

Shutdown Risk Triggers: Common triggers for account review or shutdown include: missed payments, exceeding credit limits, high cumulative credit limits across multiple BreadFinance/Comenity accounts, sudden and uncharacteristic spending patterns, suspected fraudulent activity, abuse of return policies, or bankruptcy filings.

Cliff Effect Rules: Not applicable for card family rules; the QVC QCard is a standalone store card. Generally, only one QVC QCard account is allowed per customer, preventing multiple applications for the same product.

Special Events: Expect frequent exclusive discounts, early access to QVC sales events, special financing offers on specific product categories or minimum purchase amounts, and potential birthday rewards or anniversary bonuses.

Holiday Promos: Key promotional periods include Black Friday, Cyber Monday, Christmas/Holiday season, Mother's Day, Father's Day, Valentine's Day, and various seasonal sales events throughout the year (e.g., Spring Fling, Summer Savings, Fall Fashion).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Cardholders appreciate the special financing offers, exclusive discounts, and promotional events, making purchases at QVC and HSN more affordable. It's also seen as an accessible option for building credit.

Top Negative:
Frequent complaints about Comenity's customer service, difficulty resolving billing disputes, and high standard APR if promotional financing terms are not met. Limited utility outside of QVC and HSN.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Store Card
  • PayPal Cashback Mastercard
  • Citi Custom Cash Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: 2024.01