Bread Financial

All Pet Credit Card

Credit

$0 Annual Fee

32.24% Variable Purchase APR

580+ Recommended FICO

Points Reward Type

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.01¢ each

ExpirationCertificates are valid for 90 days from the date of issue.

Redemption NotesCertificates are valid for 90 days from the date of issue. Certificates can be used for purchases at All Pet stores and allpet.com.

Category	Rate	Type	Cap
allpet Purchases Purchases made at allpet.com and allpet stores.	5x	Points	No cap
Gas & Groceries Purchases at gas stations and grocery stores.	2x	Points	No cap
All Other Purchases All other eligible purchases where Visa is accepted.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The All Pet Credit Card does not charge an annual fee.	Financial	$0 Up to $0
Special Financing Offers Access to special financing offers on eligible purchases made with the All Pet Credit Card. Specific terms and conditions, including deferred interest periods, will apply to each offer and are typically disclosed at the time of purchase.	Financing	Varies by offer
Rewards Program Earn 5% back in rewards on all purchases made at allpet.com.	Rewards	5% back in rewards
Fraud Liability Protection Protection against unauthorized charges on your account.	Security	Full protection

Interest Rates

Purchase APR32.24% Variable

Cash Advance APR32.24%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within 6 months or if you make a late payment.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction Fee3%

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

AvailabilityPR

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (e.g., excessive gift card purchases, payment processor abuse), maintaining a high cumulative credit limit across multiple Amex products, abuse of return policies or statement credits, credit cycling (making frequent payments to free up credit for immediate spending), sudden and uncharacteristic high-risk spending patterns, breaching American Express's terms and conditions, or late payments/defaulting on Amex accounts.

Cliff Effect Rules

American Express may enforce 'family rules' where obtaining a welcome bonus on one card within a specific product family (e.g., different versions of a co-branded card) may make an applicant ineligible for a bonus on a similar card, even if it's a distinct product. While the 'all-pet-credit-card' is unique, be aware of potential future 'pet-themed' card variations that could fall under such rules.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Eligibility for the all-pet-credit-card in 2026 will continue to require applicants to be 18 years or older, possess a valid SSN/ITIN, meet American Express's creditworthiness standards (typically good to excellent credit), and have no prior history of defaulting on Amex products. The welcome bonus remains subject to a 'one welcome bonus per card per lifetime' rule. American Express will also continue to enforce its '2/90 Rule,' limiting applicants to a maximum of 2 credit card approvals every 90 days across all Amex credit card products.

Bread Financial

Annual Fee

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APR 32.24% Variable

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