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Bread Cashback American Express

Comenity Capital 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

Contract X-Ray — what's buried in the fine print

5 red flags · 100 filed docs

Detected in the CFPB-filed cardholder agreements from Comenity Capital Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

Forced arbitration

You give up your right to sue in court — disputes are pushed into private arbitration.

Show the exact wording ↓
“…r t a n t p r o v i s i o n s c a r e f u l l y. P a y s p e c i a l a t t e n t i o n t o P a r a g r a p h s : A : J u r y Tr i a l Wa i v e r ; C: Arbitration Provision; C.1: Right to Reject; C . 6 : C o u r t a n d J u r y Tr i a l s P r o h i b i t e d ; O t h e r L i m i t a t i o n s o n L e g a l R i g h t s ; a…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…o n f o r this Account or other evidence of indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…f o r t h i s Account or other evidence of indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b…”
Academy Sports + Outdoors Credit Card - Current Credit Card Agreements ↗
Class-action waiver

You can't band together with other cardholders in a class action.

Show the exact wording ↓
“…ohibition Against If you or we elect to arbitrate a Claim: Certain Proceedings a. neither you nor we may participate in a class action in court or in class-wide arbitration, either as a plaintiff, ( C l a s s A c t i o n Wa i v e r ) defendant or class member; b. neither you nor we may act as a private attorney general i…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…not be joined or consolidated with Claims brought by or against any other person; and d. the arbitrator shall have no power or authority to conduct a class-wide arbitration, private attorney general arbitration or other representative arbitration. 8. Location and Any arbitration hearing that you attend must take place at…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…ohibition Against If you or we elect to arbitrate a Claim: Certain Proceedings a. neither you nor we may participate in a class action in court or in class-wide arbitration, either as a ( C l a s s A c t i o n Wa i v e r ) plaintiff, defendant or class member; b. neither you nor we may act as a private attorney general i…”
All Pet Credit Card - Current Credit Card Agreements ↗
Jury-trial waiver

You waive your right to have a dispute heard by a jury.

Show the exact wording ↓
“…a i v e a n y r i g h t t o t r i a l b y j u r y i n t h e e v e n t o f a l a w s u i t a r i s i n g o u t o f o r related to this Agreement. This jury trial waiver shall not affect the Arbitration Provision below (including the jury trial w a i v e r c o n t a i n e d t h e r e i n ) . Yo u a n d w e e a c h r…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b e p a r t o f t h i s A g r e e m e n…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…n d w e w a i v e a n y r i g h t t o t r i a l b y j u r y i n t h e e v e n t o f a l a w s u i t arising out of or related to this Agreement. This jury trial waiver shall not affect the Arbitration Provision b e l o w ( i n c l u d i n g t h e j u r y t r i a l w a i v e r c o n t a i n e d t h e r e i n ) . Yo…”
All Pet Credit Card - Current Credit Card Agreements ↗
Deferred interest

“No interest if paid in full” — miss the deadline and you're billed interest back to day one.

Show the exact wording ↓
“…ated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 O r Wa i v e d I n t e r e s t , L o w P a y m e n t How to…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…er Credit Plans at end of billing period (excluding new interest charges for those plans) (minimum $5); plus (2) New interest charges for those plans Deferred Interest, Payment 3.5% of sum of plan balances at end of billing period rounded up R e q u i r e d o r Wa i v e d I n t e r e s t , to nearest $1 Payment Requ…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…A s o f t h e P r i n t D a t e , y o u r P u r c h a s e A P R i s 3 2 . 9 9 % , b a s e d o n t h e P r i m e R a t e . Current offers may include: Deferred Interest, Payment Required: No interest if paid in full within 6 or 12 months. Interest will be charged to the Account from the purchase date at the Purchase…”
Academy Sports + Outdoors Credit Card - Current Credit Card Agreements ↗
Penalty APR

Slip up and your rate can jump to a much higher penalty APR.

Show the exact wording ↓
“…for the All Pet Card Credit Card Account. Read it and keep it. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 32.99% Purchases Penalty APR and When it Applies Up to 39.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a la…”
All Pet Credit Card - Current Credit Card Agreements ↗
“…t) for the B&H Payboo Credit Card Account. Read it and keep it. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 35.99% Purchases Penalty APR and When it Applies Up to 39.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a la…”
B&H Payboo Credit Card - Current Credit Card Agreements ↗
“…it-card-agreement 1/21 5/8/25, 8:56 PM Ballard Designs Credit Card - Current Credit Card Agreements Annual Percentage Rate (APR) 35.99% for Purchases Penalty APR and When it Up to 39.99% Applies This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a la…”
Ballard Designs Credit Card - Current Credit Card Agreements ↗
Arbitration opt-out

The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.

Show the exact wording ↓
“…Wa i v e d I n t e r e s t , L o w P a y m e n t How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…v e d I n t e r e s t , L o w nearest $1 Payment How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…rge Budget Payment) Minimum Payment will increase How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, Bankruptcy No…”
Blue Nile Credit Card - Credit Card Agreement ↗

Checked & clear: Change-anytime clause

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
—
620–719
34.24%
720+
22.24%
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
  • Other rewards
Services
  • Automobile rental insurance
  • 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: Earn 2% unlimited cash back on purchases when you use your Bread Cashback Card.¹ No rewards caps, opt-ins or categories to manage.

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-888-282-5154
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.

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