Signet Jewelers Credit Card
Basic Information
Program ID: signet-jewelers-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:34
Last Scraped: 01/15/2026 14:36
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: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Discount is applied instantly at checkout on your first qualifying purchase made with the new card, up to the maximum bonus amount.
Rewards Program
Reward Type: Proprietary Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 1x on all standard purchases at Signet Jewelers brands (Kay Jewelers, Zales, Jared, James Allen, Diamonds Direct, Banter by Piercing Pagoda); 2x on select promotional purchases at Signet Jewelers brands.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 24 months of account inactivity or 12 months from earning date, whichever comes first.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: The Signet Jewelers Credit Card, issued by BreadFinance (or its banking partner, e.g., Synchrony Bank), is a store-specific credit product primarily for purchases at Signet Jewelers brands (Kay Jewelers, Zales, Jared, etc.). Eligibility for 2026 typically requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number or ITIN, and possess a fair to good credit history. Approval is subject to creditworthiness and BreadFinance's internal lending criteria. Bonus rules often include an initial discount on the first purchase (e.g., 10-20% off) or special promotional financing offers (e.g., 0% APR for X months on qualifying purchases). These offers are generally applied at the point of sale or within a short period after account opening.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A for traditional bonus spend requirements. Promotional offers are typically immediate or tied to specific purchase events.
Shutdown Risk Triggers: Missed or late payments, high utilization on the Signet card or other credit lines, suspected fraudulent activity, excessive credit inquiries, bankruptcy filings, or a significant decline in overall creditworthiness. While less common for store cards, manufactured spending or attempts to exploit promotional financing terms beyond their intended use could also be triggers.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.7 / 5.0
Top Positive Feedback:
Easy approval for building credit; offers special financing for large jewelry purchases; occasional promotional discounts.
Top Negative Feedback:
Extremely high APR; poor customer service from Comenity Bank; deferred interest traps; frequent billing issues.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Discover it Secured
- Chase Freedom Unlimited
- Capital One QuicksilverOne
Card Value Score: 40.0 / 100
Est. Annual Rewards: $10.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 24 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0