BR
Bread Financial · Visa

FordPass™ Rewards Visa® Card

Credit 100 Points Bonus
$0 Annual Fee
21.24%–31.24% Variable Purchase APR
100 Welcome Bonus
670+ Recommended FICO
Browse Cards Bread Financial FordPass™ Rewards Visa® Card

Welcome Bonus

100 Points
Welcome Bonus
Spend $3,000 in the first 90 days

Rewards

CategoryRateTypeCap
Ford Service
on Ford Service purchases at dealerships
10x Points No cap
Ford Purchases at Dealerships
on Ford purchases at dealerships (excluding service)
5x Points No cap
Gas
on gas purchases
3x Points No cap
Auto Insurance
on auto insurance purchases
3x Points No cap
Tolls
on toll purchases
3x Points No cap
Parking
on parking purchases
3x Points No cap
Dining
on dining purchases
2x Points No cap
Travel
on travel purchases
2x Points No cap
All Other Purchases
on all other eligible purchases
1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
The FordPass Rewards Visa Card has no annual fee.
Financial No annual fee
Visa Signature Concierge
24/7 complimentary personal assistance for services such as dinner reservations, event tickets, travel arrangements, and gift recommendations.
Lifestyle 24/7 personal assistance
Extended Warranty Protection
Extends the manufacturer's original U.S. warranty by an additional year on eligible items with warranties of three years or less. Coverage is typically up to $10,000 per claim and $50,000 per cardholder.
Purchase Protection Up to $10,000 per claim / $50,000 per cardholder
Up to $10,000
Purchase Security
Covers eligible new purchases against theft or damage for 90 days from the date of purchase. Coverage is typically up to $500 per claim and $50,000 per cardholder.
Purchase Protection Up to $500 per claim / $50,000 per cardholder
Up to $500
Annual Spending Bonus
Earn 20,000 FordPass Rewards Points when you spend $7,500 in net purchases in a calendar year.
Rewards 20,000 FordPass Rewards Points
Up to $20,000
Dining Rewards
Earn 2% back in FordPass Rewards Points on eligible dining purchases.
Rewards 2% back in FordPass Rewards Points
Everyday Purchases Rewards
Earn 1% back in FordPass Rewards Points on all other eligible net purchases not covered by higher earning categories.
Rewards 1% back in FordPass Rewards Points
Ford Dealership Purchases Rewards
Earn 5% back in FordPass Rewards Points on eligible purchases made at participating Ford dealerships, including service, parts, and accessories.
Rewards 5% back in FordPass Rewards Points
FordPass Rewards Point Redemption
Redeem FordPass Rewards Points towards eligible Ford purchases at participating Ford dealerships, including vehicle service, parts, accessories, or even a new Ford vehicle.
Rewards Points redeemable for Ford purchases
Gas, Auto Insurance, Tolls, and Parking Rewards
Earn 3% back in FordPass Rewards Points on eligible purchases for gas, auto insurance, tolls, and parking.
Rewards 3% back in FordPass Rewards Points
Welcome Bonus Offer
Earn 10,000 FordPass Rewards Points after spending $1,000 in net purchases within the first 3 billing cycles of account opening.
Rewards 10,000 FordPass Rewards Points
Up to $10,000
Emergency Card Replacement
Expedited replacement of a lost or stolen card, typically within 1-3 business days in the U.S. and varying internationally.
Security Expedited card replacement
Emergency Cash Disbursement
Provides emergency cash advances from an available credit line, typically within hours of approval.
Security Emergency cash advance
Lost/Stolen Card Reporting
Assistance with reporting a lost or stolen card to prevent unauthorized use.
Security Assistance service
Visa Zero Liability Protection
Protects cardholders from responsibility for unauthorized purchases made with their card or account information.
Security Protection against unauthorized charges
Roadside Dispatch
A pay-per-use roadside assistance program available 24/7 for services like towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Cardholders are responsible for service fees.
Travel Pay-per-use service
Auto Rental Collision Damage Waiver
Provides secondary coverage for damage due to collision or theft of most rental vehicles when the entire rental transaction is paid for with the card and the rental company's collision damage waiver is declined.
Travel Insurance Secondary coverage for rental car damage/theft
Common Carrier Travel Accident Insurance
Provides coverage for accidental death or dismemberment when traveling on a common carrier (e.g., plane, train, bus, ship) and the fare was purchased with the card. Coverage is typically up to $250,000.
Travel Insurance Up to $250,000
Up to $250,000
Travel and Emergency Assistance Services
Provides a range of emergency services when traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of third-party services.
Travel Insurance Referral and coordination services

Interest Rates

Purchase APR21.24%–31.24% Variable
Balance Transfer APR21.24%
Cash Advance APR32.24%
Penalty APR29.99%
Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee
Authorized User FeeFree
Foreign Transaction Fee3%
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 670–739
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
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, abuse of return policies, excessive gift card purchases, rapid spending followed by dormancy, not meeting minimum spend organically, frequent product changes/cancellations, and general bonus abuse.
Cliff Effect Rules
The 'once per lifetime' rule for welcome bonuses is a primary cliff effect. Additionally, Amex has card family rules where obtaining a bonus on one product variant may preclude eligibility for a bonus on a similar product within the same family.
International Friendly
May have limitations for international use.
Additional Issuer Rules
For a hypothetical American Express-issued 'ford-rewards-visa' card (note: the actual FordPass Rewards Visa is issued by FNBO), the standard Amex application and bonus rules for 2026 would apply: One welcome bonus per card per lifetime. A maximum of 2 credit card approvals are allowed every 90 days. Eligibility requires good to excellent credit, being 18+ years old, and meeting Amex's internal profitability assessment, which can lead to 'pop-up jail' where an applicant is denied a welcome bonus despite approval for the card.
Bread Financial
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.

Welcome Bonus 100 Points
APR 21.24%–31.24% Variable
Quick Summary
Annual Fee Free
Welcome Bonus100 Points
Min. FICO670+
NetworkVisa
Card TypeCredit
Online
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