Bread Financial · Mastercard

Boot Barn Credit Card

Credit

$0 Annual Fee

29.99% Variable Purchase APR

580+ Recommended FICO

Points Reward Type

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.01¢ each

ExpirationPoints expire 12 months from the date they are earned. Issued rewards expire 90 days from the date they are issued. Points will be forfeited if your account is closed, not in good standing, or if the Rewards Program is terminated.

Redemption NotesRewards are not transferable, cannot be redeemed for cash, used for prior purchases, to pay your account, or for gift cards. They cannot be combined with other discounts/offers and are not valid on firearms, ammunition, prohibited items, services (e.g., boot repair, hat shaping), or bootbarn.com/marketplace purchases.

Category	Rate	Type	Cap
Boot Barn Purchases Purchases made at Boot Barn stores or online at bootbarn.com	5x	Points	No cap
All Other Purchases Purchases made everywhere else Mastercard is accepted	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The Boot Barn Credit Card does not charge an annual fee for card membership.	Financial	$0 annual fee Up to $0
Birthday Offer Receive a special birthday offer each year.	Shopping	Varies by offer
Boot Barn Store Purchase Rewards Earn 2 points for every $1 spent on eligible purchases at Boot Barn stores or bootbarn.com.	Shopping	2 points per $1
Everyday Purchase Rewards Earn 1 point for every $1 spent on eligible purchases everywhere else Visa credit cards are accepted.	Shopping	1 point per $1
Exclusive Cardmember Offers Access to special promotions and offers available only to Boot Barn Credit Cardholders.	Shopping	Varies by offer
First Purchase Discount Get 15% off your first purchase made with the Boot Barn Credit Card upon account opening.	Shopping	15% off
Free Standard Shipping Receive free standard shipping on all bootbarn.com orders when you use your Boot Barn Credit Card.	Shopping	Free standard shipping
Rewards Redemption Receive a $10 Boot Barn Reward for every 200 points accumulated. Rewards expire 90 days from the date of issuance.	Shopping	$10 reward for 200 points Up to $10
Unlimited Rewards Earning There is no limit to the number of Boot Barn Rewards you can earn with your credit card.	Shopping	Unlimited

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: If your promotional purchase is subject to a deferred interest promotion, interest will be imposed on the promotional purchase from the date of purchase if you do not pay the promotional purchase in full by the end of the promotional period. To avoid interest, you must pay the promotional purchase in full by the end of the promotional period.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Late Payment FeeUp to $41

Returned Payment FeeUp to $30

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

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

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, excessive gift card purchases, rapid and unexplained spending increases, abuse of return policies, frequent payment issues, or triggering a financial review.

Cliff Effect Rules

The Boot Barn credit card is primarily subject to American Express's general welcome bonus rules (e.g., lifetime bonus rule) rather than specific 'family' rules that apply to premium Amex card lines (e.g., Platinum, Gold).

International Friendly

May have limitations for international use.

Additional Issuer Rules

American Express's general eligibility requirements apply: applicants must be 18 years or older, possess a valid SSN/ITIN, and have a good to excellent credit score (typically 670+). The welcome bonus is limited to one per card per lifetime. A maximum of 2 credit card approvals are allowed within any 90-day period.

Bread Financial

Annual Fee

Apply Now

You will be redirected to the issuer's secure website.

APR 29.99% Variable

More Bread Financial Cards