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59

Bread Rewards™ American Express®

Comenity Bank

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
19.24–34.24%
Annual fee
None
0% intro
None
0% transfer
15 mo
Foreign fee
None
Grace period
21 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
—
620–719
33.99%
720+
26.24%
Lowest offered19.24%
Median—
Highest offered34.24%

Balance transfer APR

Promotional window: 15 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered33.74%
Median34.24%
Highest offered34.24%

Every fee on this card

Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$3
Balance computationOther
Additional fees
Returned Payment Fee$30
Alternative Payment Method Fee$15

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Credit card registration
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: 3X at gas stations and grocery stores, plus dining and utility purchases, 1X on all other purchases, 25% extra points every billing cycle you make 20 or more purchases

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-844-271-2587
Balance transfer calculator
Stay put — 15 mo at 24%$750
Transfer feenot reported
Promo interest at 0.00%$0
Net savingunknown

This issuer reports that a transfer fee applies but did not report the amount, so the net saving cannot be calculated. Assumes you pay the balance down evenly across the 15-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 26.74% afterwards.

Cost to carry a balance
Interest for a year at 26.74%$802.20
Annual / periodic fees$0
Total yearly cost$802.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.

Cardholder agreements

46 documents filed by Comenity Bank in the 2026 Q1 archive.

All 46 agreements

More from this issuer