West Elm Credit Card
Basic Information
Program ID: west-elm-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:58
Last Scraped: 01/15/2026 10:32
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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
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: Store Credit
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.05%
Bonus Categories: 5x West Elm, Pottery Barn, Williams Sonoma, Mark and Graham, Rejuvenation, The Key, and other affiliated brands; 1x all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after issuance or 12 months of account inactivity, whichever comes first.
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
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Eligibility for the West Elm credit card in 2026 requires applicants to be 18 years or older (19 in AL/NE, 21 in PR), possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), maintain a valid U.S. mailing address, and demonstrate a verifiable income source, all subject to BreadFinance's credit approval standards. The typical bonus structure includes an initial sign-up discount (e.g., 10-20% off the first qualifying purchase) and ongoing rewards, such as 5% back in rewards on purchases made at West Elm and its affiliated brands (e.g., Pottery Barn, Williams Sonoma), usually issued as reward certificates.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months (for any hypothetical spend-based bonus; initial discounts are often immediate)
Shutdown Risk Triggers: Manufactured spending (if applicable to reward structure), high cumulative credit limit across multiple BreadFinance accounts, defaulting on any BreadFinance-issued credit product, excessive credit-seeking behavior (especially with BreadFinance), high credit utilization, missed or late payments, suspicious activity inconsistent with typical spending patterns, bankruptcy, or significant negative changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.0 / 5.0
Top Positive Feedback:
Initial discount and rewards for West Elm purchases; relatively easy approval for credit building.
Top Negative Feedback:
Poor customer service from Comenity Bank; high APR; difficulties with account management and payments; limited utility outside West Elm.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Pottery Barn Credit Card
- Capital One Platinum Secured
- Amazon Store Card
Card Value Score: 40.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 90% Store / 10% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0