Bread Financial · American Express

Alphaeon Vision Credit Card

Credit 100 Points Bonus No Foreign Fees

$0 Annual Fee

29.99% Variable Purchase APR

100 Welcome Bonus

580+ Recommended FICO

Welcome Bonus

100 Points

Welcome Bonus

Spend $1,000 in the first 90 days

Rewards

Category	Rate	Type	Cap
All Other Purchases This card is a closed-loop healthcare financing credit card that provides special promotional financing options for patient procedures rather than standard rewards point accumulation or cash back tracking.	0x	Points	No cap

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
No Annual Fee There is no annual fee associated with the Alphaeon Vision Credit Card account.	Fees	$0 Up to $0
Special Financing Offers Cardholders may be eligible for special financing promotions on qualifying purchases made with the Alphaeon Vision Credit Card. Examples include 'No Interest if Paid in Full within 6, 12, 18, or 24 Months on purchases of $200 or more'. Specific terms and durations of financing offers vary by promotion.	Financing	Varies by promotion

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18 or 24 Months. Minimum monthly payments required. See below for details.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

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 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

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

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Amex products, sudden large purchases on new cards without prior spending history, not paying balances on time, high credit utilization, defaulting on other Amex products, rapid application for multiple cards, suspicious account activity, or meeting bonus spend then immediately ceasing card usage.

Cliff Effect Rules

The 'one welcome bonus per card per lifetime' rule acts as a primary cliff effect. Additionally, American Express often has 'family rules' where obtaining a bonus on one product within a specific card family (e.g., different versions of a premium card) may make you ineligible for a bonus on a similar product for a set period or permanently.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Eligibility Requirements: Applicants must be 18 years or older (or 21 in some states), possess a valid Social Security Number (SSN) or Individual Tax Identification Number (ITIN), and have a good to excellent credit history. Applicants must not be in default on any existing American Express accounts. Welcome Bonus Rule: One welcome bonus per 'alphaeon-vision-credit-card' per lifetime. American Express reserves the right to deny the welcome bonus if they determine, based on an applicant's history with Amex cards and welcome offers, that they are not eligible (commonly referred to as 'Pop-up Jail'). Application Rules: Max 2 credit card approvals every 90 days (2/90 Rule). Max 1 credit card approval every 5 days (1/5 Rule).

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Federal law provides important protections to members of the Armed Forces and their dependents, limiting the cost of consumer credit to an annual percentage rate of 36 percent, including finance charges and various fees.

Bread Financial

Annual Fee

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Welcome Bonus 100 Points

APR 29.99% Variable

More Bread Financial Cards

Alphaeon Vision Credit Card

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary