Stage Stores Credit Card

BreadFinance Pending

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5

Benefits

2

Reward Categories

2x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: stage-stores-credit-card

Issuer: BreadFinance

Card Name: Stage Stores Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:26

Last Scraped: Feb 02, 2026 17:50

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Comenity Bank and Comenity Capital Bank comply with the Servicemembers Civil Relief Act (SCRA), offering eligible active duty service members a 6% interest rate on balances incurred prior to their active duty start date.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Stage Stores Purchases 2x Points Qualifying purchases at Stage Stores and stage.com No Cap
All Other Purchases 1x Points Qualifying purchases everywhere Visa is accepted (applies to Stage Stores Credit Card Visa) No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The Stage Stores Credit Card does not charge an annual fee for card membership.

Shopping 4
Points Earning on Purchases
2 points per $1 spent

Cardmembers earn 2 points for every $1 spent on qualifying purchases made with the Stage Stores Credit Card at Stage Stores and its family of brands.

Reward Redemption
$5 reward for every 500 points

For every 500 points earned, cardmembers receive a $5 reward. Rewards are issued in increments of $5 and expire 90 days from issuance. Rewards can be used for purchases at Stage Stores and its family of brands.

Special Birthday Offer
Special offer

Cardmembers receive a special offer during their birthday month. Eligibility requires a purchase on the account within the last 12 months and being opted in for marketing communications.

Exclusive Savings Events and Offers
Access to exclusive discounts

Cardmembers receive access to exclusive savings events and special offers throughout the year, communicated via email or mail.

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
Year 1 Waived: No
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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers
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: 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.

Max Cards Per Issuer: 0

Min 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.

Cliff Effect Rules: N/A - Card is defunct. Store cards typically lack complex 'cliff effect' rules or family restrictions common with major bank issuers.

Special Events: N/A - The associated retailer, Stage Stores, is defunct.

Holiday Promos: N/A - The associated retailer, Stage Stores, is defunct.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Easy approval, good for store discounts, builds credit.

Top Negative:
High APR, limited use outside store, customer service issues.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Kohl's Charge
  • Capital One Platinum Secured
  • Target RedCard

Card Value Score: 55.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 2024