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

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.

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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	$0	View details	Earn a $5 rewards certificate for every 300 points earned.	Compare	loading Fetching your data...
Hot Topic Guest List Credit Card			1x points at Hot Topic	25.24% variable	$0	View details	Get 15% off your first purchase and earn 1x points on all Hot Topic purchases.	Compare	loading Fetching your data...
Overstock Store Credit Card			N/A	26.99% variable	$0	View details	$30 off when you spend over $300 on your first order without special financing	Compare	loading Fetching your data...

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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

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.