BR
Bread Financial · Visa

Crypto.com Visa Signature® Credit Card

Credit Signature No Foreign Fees
$0 Annual Fee
21.24%–30.24% Variable Purchase APR
670+ Recommended FICO
Points Reward Type
Browse Cards Bread Financial Crypto.com Visa Signature® Credit Card

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 2x
Point Value~0.01¢ each
Travel Portal1x
ExpirationPoints will expire 36 months from the date they are earned.

Benefits & Protections

No Foreign Fees
Travel Insurance
Purchase Protection
Extended Warranty
Trip Delay Coverage
Lost Luggage Coverage
Concierge Service
BenefitCategoryValue / Coverage
Visa Signature Concierge
Provides 24/7 personal assistance for a variety of needs, including dinner reservations, event tickets, travel arrangements, and gift recommendations.
Lifestyle 24/7 personal assistance
Extended Warranty Protection
Extends the manufacturer's or store brand warranty for eligible items purchased with your Visa Signature card. Typically adds one additional year to warranties of three years or less.
Purchase Protection Up to 1 additional year
Purchase Security
Protects eligible new purchases made with your Visa Signature card against theft or damage for a specified period from the date of purchase.
Purchase Protection Up to $500 per claim, up to $50,000 per cardholder per year
Up to $500
Return Protection
If you are dissatisfied with an eligible item purchased with your Visa Signature card within 90 days of purchase and the store won't accept a return, this benefit may reimburse you for the purchase price.
Purchase Protection Up to $250 per item, up to $1,000 per cardholder per year
Up to $250
Roadside Dispatch
A pay-per-use roadside assistance program. Cardholders can call a toll-free number to arrange for services like towing, tire changing, jump starting, lockout service, and fuel delivery. A flat rate is charged per service call.
Travel Flat rate per service call
Travel and Emergency Assistance Services
Provides a range of emergency services when you're traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services received.
Travel Referral and coordination services
Auto Rental Collision Damage Waiver
Provides secondary coverage for damage due to collision or theft for most rental cars when you pay for the rental with your eligible Visa Signature card and decline the rental company's collision damage waiver (CDW) or similar option.
Travel Insurance Coverage for damage/theft of rental vehicle
Common Carrier Travel Accident Insurance
Provides coverage for accidental death or dismemberment when traveling on a common carrier (plane, train, bus, ship) and the entire fare was paid with your eligible Visa Signature card.
Travel Insurance Up to $500,000
Up to $500,000
Lost Luggage Reimbursement
Reimburses you for the replacement of your checked or carry-on luggage and its contents if they are lost or stolen due to a covered event when traveling on a common carrier and the entire fare was paid with your eligible Visa Signature card.
Travel Insurance Up to $3,000 per trip
Up to $3,000

Interest Rates

Purchase APR21.24%–30.24% Variable
Balance Transfer APR21.24%
Cash Advance APR30.49%
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

670 Recommended minimum FICO · Range 670–780
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsGood
Decision TimeInstant
Pre-QualificationAvailable (no hard pull)
Co-ApplicantNot allowed
Business EligibleNo
Credit Limit Range $5,000 – 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 (MS), excessive credit cycling (paying off and spending again multiple times within a statement period), high cumulative credit limit across Amex cards relative to reported income, abuse of Amex Offers or return policies, repeated pattern of opening cards for bonuses and quickly closing them (churning), failure to pay on time, or suspicious activity flagged by fraud detection systems.
Cliff Effect Rules
The 'one welcome bonus per lifetime' rule applies to specific card products. While not a 'cliff effect' in the traditional sense, it means you cannot receive a bonus for the same card product again. For certain card families (e.g., Platinum, Gold), there might be restrictions on receiving bonuses across different versions of the same family, though this is less common for co-branded cards.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
IMPORTANT NOTE: The Crypto.com Visa Signature card is NOT issued by American Express. This analysis hypothetically applies standard American Express (USA) issuer rules for the year 2026, assuming the card were an Amex product. Welcome Bonus Rule: One welcome bonus per specific card product per lifetime. If you have previously held this specific card product, you are generally ineligible for a new welcome bonus. Eligibility for welcome offers may also be restricted based on your history with American Express cards and welcome offers. Application Rules: Maximum of 2 credit card approvals within any 90-day period. This rule applies across all American Express credit card products. Eligibility Requirements: Applicants must typically have a good to excellent credit score (generally FICO 670+), be at least 18 years of age, be a U.S. resident, and not have an active bankruptcy. Approval is subject to American Express's internal credit assessment and financial review processes.
Military & Hardship
SCRA Benefits
The Servicemembers Civil Relief Act (SCRA) provides eligible servicemembers with protections including interest rate reductions to 6% on account balances during active duty, protection from foreclosure, and other benefits. Requests can be made by phone or mail with military orders.
Hardship Program
Hardship program available.
Bread Financial
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 21.24%–30.24% Variable
Quick Summary
Annual Fee Free
RewardsPoints
Foreign FeesNone
Min. FICO670+
NetworkVisa
Card TypeCredit
Online
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