Smile Generation Financial Credit Card

BreadFinance Pending

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1

Benefits

0

Reward Categories

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Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: smile-generation-financial-credit-card

Issuer: BreadFinance

Card Name: Smile Generation Financial Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 10:36

Last Scraped: Feb 16, 2026 10:38

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Offers
Varies by promotional offer

Cardholders may be eligible for special financing offers on qualifying purchases made with the Smile Generation Financial Credit Card. These offers typically involve deferred interest or reduced APR for a specified promotional period, allowing for more flexible payment options for dental services.

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
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
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: 32.24% - 34.24%

Cash Advance APR: 34.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. To avoid interest, you must pay the full promotional purchase amount before the promotional period ends. If you do not, all of the deferred interest will be added to your account balance.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Smile Generation Financial Credit Card requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria. Existing Smile Generation patients or customers may receive pre-qualified offers. For 2026, the bonus rule is: Earn a $100 statement credit after spending $500 on Smile Generation services or products within the first 90 days of account opening. This bonus is a one-time offer per customer.

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Shutdown Risk Triggers: Consistent late payments or defaults, high credit utilization on the Smile Generation card, excessive returns or refunds on purchases made with the card at Smile Generation locations, opening multiple credit accounts with BreadFinance in a short period, any activity deemed fraudulent or in violation of the cardholder agreement, significant changes in credit profile (e.g., multiple new accounts, high debt elsewhere), or high cumulative credit limit across all BreadFinance products.

Cliff Effect Rules: The welcome bonus is available only once per lifetime per customer. Previous cardholders of any Smile Generation co-branded card from BreadFinance may not be eligible for a new welcome bonus. Product changes to or from this card may reset bonus eligibility or impact future applications.

Special Events: Special financing offers: 0% APR for 6, 12, or 18 months on qualifying Smile Generation purchases over $500, subject to deferred interest if not paid in full. Exclusive Patient Discounts: Cardholders receive an additional 5% off select dental products and services during Smile Generation's 'Patient Appreciation Weeks' (typically Q2 and Q4).

Holiday Promos: Black Friday/Cyber Monday: Enhanced financing offers (e.g., 24 months 0% APR) or bonus rewards on Smile Generation purchases made during the holiday shopping period (late November). New Year, New Smile: Special discounts or bonus points on preventative care services in January.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Provides convenient financing options for dental procedures within the Smile Generation network, making expensive treatments more accessible.

Top Negative:
High interest rates after promotional periods, limited acceptance outside Smile Generation locations, and reports of challenging customer service experiences.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • CareCredit
  • Wells Fargo Health Advantage
  • Chase Slate Edge

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0