Bread Financial

Ethan Allen Credit Card

Credit No Foreign Fees

$0 Annual Fee

32.24% Variable Purchase APR

600+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Other Purchases This card does not offer a traditional rewards program, points, or cash back on purchases; it provides access to promotional financing plans instead.	0x	Cash Back	No cap

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
Special Financing Offers Cardholders can access special promotional financing plans on qualifying Ethan Allen purchases, allowing for deferred interest or interest-free periods if the balance is paid in full within the specified promotional timeframe. Specific terms and durations vary by promotion.	Shopping	Varies by promotional offer and purchase amount

Interest Rates

Purchase APR32.24% Variable

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 60 months.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

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 ProfileFair

Approval OddsFair

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, excessive credit seeking (multiple applications in a short period), high cumulative credit limit across all Amex cards, abuse of welcome bonuses (e.g., applying for the same card product multiple times after closing), suspicious spending patterns inconsistent with typical card use, failure to pay on time, or defaulting on other Amex accounts.

Cliff Effect Rules

The primary cliff effect is the 'one welcome bonus per card per lifetime' rule, which prevents earning a bonus on the same Ethan Allen Credit Card product more than once. While there isn't a 'family' of Ethan Allen cards, this rule ensures that once you've received the bonus for this specific card, you won't be eligible for it again, even if you close and re-open the account.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility for the Ethan Allen Credit Card (issued by American Express) for 2026 requires applicants to be at least 18 years old, a U.S. resident, and possess a good to excellent credit score. A valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is also required. American Express continues to enforce a 'one welcome bonus per card per lifetime' rule, meaning you can only receive the welcome offer for this specific card product once. Additionally, the '2/90 rule' applies, limiting applicants to a maximum of two credit card approvals from American Express within any 90-day period.

Military & Hardship

MLA Compliant

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

SCRA Benefits

Servicemembers on active duty may be eligible for SCRA benefits, including a reduction in interest rate to 6% per annum on balances incurred prior to active duty start date.

Bread Financial

Annual Fee

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APR 32.24% Variable

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