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Compare Bread Financial credit cards: Which one is best for you?

Find a store credit card to help you earn rewards at your favorite stores.

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Compare store cards issued by Bread Financial

Use our table to browse all Bread-issued cards. Compare them in terms of rewards, annual fee and interest rates. If you want to know more about each card, check out our review.

1 - 3 of 6
Name Product Filter values Rewards Purchase APR Annual fee
Forever 21 Credit Card
3x points in store and online at Forever 21
27.74 variable
Earn a $5 rewards certificate for every 300 points earned.
Hot Topic Guest List Credit Card
1x points at Hot Topic
25.24% variable
Get 15% off your first purchase and earn 1x points on all Hot Topic purchases.
Overstock Store Credit Card
26.99% variable
$30 off when you spend over $300 on your first order without special financing

Compare up to 4 providers

Formerly Comenity, Bread Financial is a financial services company that helps retailers produce one-of-a-kind credit cards. It’s the issuing bank behind more than 150 products that include the Forever 21 Credit Card and the Hot Topic Guest List Credit Card.

In fact, if you’re ever offered a store credit card, you may indirectly come into contact with Bread Financial. It’s been around for 30 years and boasts 50 million customers.

How to apply for a Bread credit card

Apply for a Bread card with the following steps.

  1. Go to the Bread Financial website.
  2. Open Credit cards at the top menu bar and select Find your card.
  3. Locate your desired card and hit Apply now.

To apply for a Bread credit card, you must be at least 18 years old and have a residential US address. To complete the application, provide your:

  • Name and residential address.
  • Social Security number.
  • Email address, phone number and date of birth.
  • Financial information such as annual income and income source.

Who can apply for a Bread card?

Bread cards are typically more accessible than other unsecured credit cards. While other cards can require a good credit score or higher, you can often get a Bread product with fair credit.

Beyond making it more fun to shop at your favorite stores, a Bread card can help you raise your credit score and they come with no annual fees.

Types of Bread Financial credit cards

Bread Financial mostly focuses on store credit cards, adding a smattering of cards in the medical, education, hotel, auto and financial industries. Most of them can’t be used outside the store, but those that are Visa or Mastercard can be used everywhere.

Bread Financial offers only one cashback card, which is on par with similar card products offered by large banks, such as Amex or Capital One. Unfortunately, you won’t find balance transfer cards, travel cards or student cards.

Standout benefits of a Bread card

  • Store-specific perks and benefits. Most Bread cards are store cards, meaning all rewards you earn with these cards apply only to the specific store. Aside from rewards, most of these cards come with additional benefits at the store, such as special deals and discounts. Keep in mind, some store cards can’t be used outside the store to buy groceries, gas or make travel purchases.
  • Cash back. The single Bread cashback product earns unlimited 1.5% back on all purchases, which is in line with competitor cards from American Express, Capital One and Wells Fargo.

Full list of Bread credit cards

  • Abercrombie & Fitch
  • American Home
  • American Kennel Club
  • Ann Taylor
  • Appleseed’s
  • Arhaus Archarge
  • Ashley Stewart
  • Avenue
  • Barney’s New York
  • Bealls Credit Card
  • Bed Bath & Beyond® Mastercard® Credit Card
  • Bedford Fair
  • Big Lots
  • BJ’s
  • Blair
  • Blue Nile
  • Boscovs
  • Boston Store Credit Card
  • BrylaneHome
  • Buckle
  • Burkes Outlet
  • Camping World/Good Sam
  • Caesars Rewards Visa® Credit Card
  • Catherines
  • Chadwicks of Boston
  • Children’s Place
  • Christopher & Banks
  • Colombian Emeralds
  • Crate & Barrel
  • David’s Bridal
  • Draper’s & Damon’s
  • DSW
  • Eddie Bauer
  • El Dorado Furniture
  • Express Next
  • Forever 21 Credit Card
  • GameStop
  • Gardner-White
  • Gordmans
  • Haband
  • Home & Garden Showplace
  • Hot Topic Guest List Credit Card

Bottom line

Bread is a big player in store credit cards. If you’ve ever applied for a store credit card, you might have interacted with the company in some way.

If you’re not sure whether a Bread product is right for you, compare other store cards or other rewards cards to find the right choice for your financial situation.

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2 Responses

  1. Default Gravatar
    BrunaSeptember 11, 2018

    I would like to be contacted by a Comenity Customer Service. I have a statement from my Bank and I see a big amount withdrawn from my checking account on 08/02/2018, and I would like to know more and what it is referred to……Comenity has my phone number.Thank you.

    • Avatarfinder Customer Care
      johnbasanesSeptember 11, 2018Staff

      Hi Bruna,

      Thank you for leaving a question.

      You have reached finder, we are a comparison website that assists users with questions regarding the contents of our pages. If you need to contact Comenity customer service, you may call them at 1-800-675-5685 or the contact details on the bank statement that you received. Hope this helps!


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