Stage Stores Credit Card
Basic Information
Program ID: stage-stores-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Store Card
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:26
Last Scraped: 01/15/2026 12:27
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: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | N/A (This card does not offer balance transfers.) |
| 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
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $1,000.00
Spending Requirement: $100.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Defunct Program
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The Stage Stores credit card program is defunct. Stage Stores liquidated all operations in 2020, and thus no reward details exist for January 2026.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Program is defunct; no points to expire.
Transfer Partners: N/A - Program is defunct; no transfer partners.
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: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: As a credit card strategy expert, it's crucial to note that Stage Stores, the retailer associated with this credit card, filed for bankruptcy and ceased operations in 2020. Consequently, the 'stage-stores-credit-card' issued by Bread Financial (formerly Comenity) is no longer active, and there are no updated rules, bonus offers, or application processes for 2026. Any previous eligibility requirements (e.g., good credit history, minimum age 18, U.S. residency, valid SSN) are now obsolete as the card cannot be applied for or used.
Maximum Cards Per Issuer: 0
Minimum Spend Interval: N/A - Card is defunct
Shutdown Risk Triggers: For Bread Financial's active store cards, common shutdown triggers include: manufactured spending (though less common for store cards), high cumulative credit limit across all Bread Financial products, excessive returns or abuse of store-specific promotions, inactivity, late payments on any Bread Financial account, or general financial distress. For the 'stage-stores-credit-card,' these triggers are no longer applicable as the card is defunct.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.5 / 5.0
Top Positive Feedback:
Good for loyal Stage Stores shoppers, offers decent rewards within the store, easy application process.
Top Negative Feedback:
Limited acceptance outside Stage Stores, high APR, poor customer service, rewards can be difficult to redeem.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One Platinum Secured
- Discover it Secured
Card Value Score: 55.0 / 100
Est. Annual Rewards: $60.00
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: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2024.01