Bread Financial · Visa

Caesars Rewards Visa® Credit Card

Credit 10,000 Points Bonus

$0 Annual Fee

29.99% Variable Purchase APR

10,000 Welcome Bonus

600+ Recommended FICO

Welcome Bonus

10,000 Points

Welcome Bonus

Spend $1,000 in the first 90 days

Rewards

Category	Rate	Type	Cap
Caesars Rewards Destinations Purchases made at participating Caesars Rewards Destinations.	5x	Points	No cap
Gas Purchases at gas stations.	2x	Points	No cap
Groceries Purchases at grocery stores.	2x	Points	No cap
All Other Purchases All eligible purchases not falling into other bonus categories.	1x	Points	No cap

Benefits & Protections

Hotel Status: Caesars Rewards Platinum

Benefit	Category	Value / Coverage
No Annual Fee There is no annual fee for this credit card.	Financial	$0 Annual Fee Up to $0
Annual Reward Credits Bonus Earn 5,000 Reward Credits every year on your account anniversary when you spend $10,000 outside of Caesars Rewards Destinations in the prior year.	Loyalty Bonus	5,000 Reward Credits annually
Accelerated Rewards Earning at Caesars Rewards Destinations Earn 5 Reward Credits per $1 spent on purchases made at participating Caesars Rewards Destinations.	Rewards Earning	5X Reward Credits
Accelerated Rewards Earning on Gas and Groceries Earn 2 Reward Credits per $1 spent on eligible gas and grocery store purchases.	Rewards Earning	2X Reward Credits
Standard Rewards Earning Earn 1 Reward Credit per $1 spent on all other eligible purchases.	Rewards Earning	1X Reward Credit
Caesars Rewards Diamond Status Earning Earn 15,000 Tier Credits and receive Caesars Rewards Diamond Status when you spend $15,000 outside of Caesars Rewards Destinations in a calendar year.	Status Benefits	Caesars Rewards Diamond Status
Caesars Rewards Gold Status Earning Earn 5,000 Tier Credits and receive Caesars Rewards Gold Status when you spend $5,000 outside of Caesars Rewards Destinations in a calendar year.	Status Benefits	Caesars Rewards Gold Status
Caesars Rewards Platinum Status Earning Earn 10,000 Tier Credits and receive Caesars Rewards Platinum Status when you spend $10,000 outside of Caesars Rewards Destinations in a calendar year.	Status Benefits	Caesars Rewards Platinum Status
New Cardmember Welcome Bonus Earn 10,000 Reward Credits when you spend $1,000 outside of Caesars Rewards Destinations in the first 90 days of account opening.	Welcome Bonus	10,000 Reward Credits

Interest Rates

Purchase APR29.99% Variable

Balance Transfer APR29.99%

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$2

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

600 Recommended minimum FICO · Range 600–700

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleYes

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 (MS), excessive credit cycling, sudden large spending on new accounts without a clear pattern, high cumulative credit limit across Amex cards, not paying balances on time, applying for too many cards in a short period (especially after a previous shutdown), and suspected fraud.

Cliff Effect Rules

The primary 'cliff effect' for this card is the American Express 'once per lifetime' rule for welcome bonuses on this specific product. Unlike some proprietary Amex cards, there are no known 'family rules' that would prevent eligibility for this card's bonus based on holding or having held other *different* Amex card products (e.g., holding a Gold card doesn't impact Caesars Rewards bonus eligibility).

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

American Express applies a 'once per lifetime' rule for welcome bonuses on this specific card product, meaning applicants are eligible only if they have not previously received a bonus for the Caesars Rewards Credit Card. Additionally, Amex limits credit card approvals to a maximum of two within a 90-day period. General eligibility requires applicants to be at least 18 years of age, possess a good to excellent credit score, and meet Amex's internal creditworthiness standards.

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) disclosure for covered borrowers under the Military Lending Act (MLA) and mentions Servicemembers Civil Relief Act (SCRA) benefits.

Hardship Program

Hardship program available.

Bread Financial

Annual Fee

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Welcome Bonus 10,000 Points

APR 29.99% Variable

More Bread Financial Cards

Caesars Rewards Visa® Credit Card

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary