Bread Financial

BrylaneHome Credit Card

Credit

$0 Annual Fee

29.99% Variable Purchase APR

580+ Recommended FICO

Rewards

Category	Rate	Type	Cap
BrylaneHome Purchases Earn 2 points for every $1 spent on eligible purchases at BrylaneHome and brylanehome.com.	2x	Points	No cap
All Other Purchases No points are earned on purchases made outside of BrylaneHome.	0x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee There is no annual fee charged for maintaining the BrylaneHome Credit Card account.	Cost Savings	$0 Up to $0
Special Financing Opportunity to take advantage of special financing promotions on qualifying purchases made with the BrylaneHome Credit Card.	Financial	Varies by offer
Birthday Offer Cardmembers receive a special offer during their birthday month.	Shopping	Varies annually
Exclusive Savings Events Access to special, cardmember-only savings events and promotions throughout the year.	Shopping	Varies by event
First Purchase Discount Cardmembers receive a 20% discount on their first purchase made with the BrylaneHome Credit Card upon account opening.	Shopping	20% off

Interest Rates

Purchase APR29.99% Variable

Penalty APR29.99%

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

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

Credit Limit Range $300 – No limit listed

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, abuse of return policies, rapid spending on new accounts followed by inactivity, cycling credit limits, excessive credit seeking, non-organic spending patterns, failure to pay on time, or frequent balance transfers without new spending.

Cliff Effect Rules

The primary cliff effect is the 'one welcome bonus per card per lifetime' rule, preventing subsequent welcome bonuses for this specific card. While not a traditional 'card family' rule, Amex may consider applications for other co-branded retail cards in conjunction with overall credit limits and application velocity.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Applicants must be 18+ years old, a U.S. resident, and possess good to excellent credit. A welcome bonus is limited to one per card per lifetime. American Express enforces a 2/90 rule, allowing a maximum of two credit card approvals within any 90-day period across all American Express credit cards.

Bread Financial

Annual Fee

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APR 29.99% Variable

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