Comenity Capital Bank Bread Cashback American Express | Consumer Financial Protection Bureau

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

d.comenity.net

Phone

(888) 282-5154

Purchase interest rate and fees

19.99% – 35.24%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	35.24%	3 dollar sign symbols Pay more interest
720+	20.74%	2 dollar sign symbols Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: A minimum interest payment of $3 is required to avoid additional fees
Grace period: 21 days until interest begins to accrue on purchases
Balance computation method: Daily Balance Method (including current transactions)
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $30 for the first late payment and $41 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Returned Payment Fee: $30 (If you make a payment that is not honored, we charge a Returned Payment Fee even if the payment is honored on resubmission. The fee is $30.00 if you were not charged a Returned Payment Fee in the same or the prior six billing periods. Otherwise, it is $41)
Alternative Payment Method Fee: $15 (We may allow you to make an expedited payment over the phone. If you do, we may charge a fee. Currently, that fee is up to $15. We’ll let you know the current fee before you authorize any payment and you can withdraw your request if you don’t want to pay )

Rewards and perks

Cash back, travel, and other

Other rewards: Earn 2% unlimited cash back on purchases when you use your Bread Cashback Card.¹ No rewards caps, opt-ins or categories to manage.

Services

Credit card registration
Discounts on purchases of goods and services (non travel related)
Travel Accident Insurance, Emergency Assistance, Retail Programs

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

34.49% – 35.24%*

+

Variable

Cash advance fee details: Either $10.00 or 5.0% of the amount of each cash advance, whichever is greater.

*As of Dec. 31, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The median cash advance APR for this card is 35.24%.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.