Bread Financial · Visa

B&H Payboo Credit Card

Credit

$0 Annual Fee

21.24%–29.99% Variable Purchase APR

620+ Recommended FICO

Cash Back Reward Type

Rewards

Reward TypeCash Back

Base Rate0x / 0%

Bonus RateUp to 5x

Point Value~0.01¢ each

Travel Portal1x

ExpirationRewards do not expire as long as your account is open and in good standing.

Category	Rate	Type	Cap
B&H Purchases Eligible purchases made at B&H Photo Video.	2x	Points	No cap
All Other Purchases Eligible purchases everywhere else Visa is accepted.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Payboo Sales Tax Savings When you use your B&H Payboo Credit Card to make a purchase at B&H Photo Video, B&H will instantly credit you an amount equal to the sales tax charged on your purchase. This benefit is only available for purchases made at B&H Photo Video (online at bhphotovideo.com or in-store at the B&H SuperStore in New York City) using your B&H Payboo Credit Card. The Payboo Sales Tax Savings benefit is not available for purchases made through third-party marketplaces or with other payment methods.	Shopping	Instant credit equal to sales tax charged on eligible B&H purchases

Interest Rates

Purchase APR21.24%–29.99% Variable

Balance Transfer APR29.99%

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date.

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 $30

Approval & Eligibility

620 Recommended minimum FICO · Range 620–720

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $300 – No limit listed

AvailabilityPR

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 cards, cycling credit limits, inconsistent spending patterns relative to reported income, abuse of return policies, frequent balance transfers immediately after opening, opening and closing multiple accounts rapidly, or failure to meet payment obligations.

Cliff Effect Rules

The 'one welcome bonus per lifetime' rule is strictly applied to the specific 'bh-payboo-credit-card' product. This means that if you have ever received a welcome bonus for this exact card, you are permanently ineligible for future welcome bonuses on it, even if the card product is re-released or updated. This rule operates independently of any broader Amex 'card family' rules that might group different versions of other Amex products.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Eligibility for the bh-payboo-credit-card requires applicants to be 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate a good credit history. A core American Express rule is the 'one welcome bonus per card per lifetime,' meaning you are eligible for the welcome bonus on this specific card product only once. Additionally, American Express enforces a '2/90 Rule,' limiting new credit card approvals to a maximum of two within any 90-day period. Applicants must also generally adhere to the overall American Express credit card limit.

Military & Hardship

MLA Compliant

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

SCRA Benefits

The issuer provides a Military Annual Percentage Rate (MAPR) that will not exceed 36% for covered borrowers under the Military Lending Act (MLA). This MAPR includes certain credit-related fees.

Bread Financial

Annual Fee

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APR 21.24%–29.99% Variable

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