BR
Bread Financial

fullbeauty Platinum Credit Card

Credit Platinum
$0 Annual Fee
29.99% Variable Purchase APR
580+ Recommended FICO
Points Reward Type
Browse Cards Bread Financial fullbeauty Platinum Credit Card

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 2x
Point Value~0.03¢ each
Travel Portal1x
ExpirationPoints will expire 12 months from the date they are earned. Rewards Certificates will expire 90 days from the date they are issued.
Redemption NotesNot redeemable for cash, gift cards, or prior purchases. Not transferable. Cannot be used for minimum payment due. Lost, stolen, or expired certificates will not be replaced.
CategoryRateTypeCap
Online Shopping
Earn 25 points per $1 spent on qualifying purchases at fullbeauty.com or any FULLBEAUTY Brands family website after reaching Elite status (8,750+ points).
25x Points No cap
Online Shopping
Earn 20 points per $1 spent on qualifying purchases at fullbeauty.com or any FULLBEAUTY Brands family website after reaching Gold status (3,500-8,749 points).
20x Points No cap
Online Shopping
Earn 15 points per $1 spent on qualifying purchases at fullbeauty.com or any FULLBEAUTY Brands family website at the base Silver tier.
15x Points No cap
All Other Purchases
This card can only be used for purchases within the FULLBEAUTY Brands network and does not earn rewards on external transactions.
0x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
The Fullbeauty Credit Card has no annual fee.
Financial $0 annual fee
Up to $0
Birthday Offer
Receive a special offer during your birthday month.
Lifestyle Special birthday offer
Exclusive Cardmember Offers
Access to special discounts and promotions available only to Fullbeauty Credit Cardmembers.
Shopping Exclusive offers
First Purchase Discount
Save 20% on your first purchase when you open and use your Fullbeauty Credit Card.
Shopping 20% discount on first purchase
Free Shipping
Enjoy free shipping on all orders when you use your Fullbeauty Credit Card.
Shopping Free shipping on all orders

Interest Rates

Purchase APR29.99% Variable
Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee
Authorized User FeeFree
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

580 Recommended minimum FICO · Range 580–739
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileFair
Approval OddsGood
Decision TimeInstant
Pre-QualificationNot available
Student EligibleYes
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 across Amex cards, excessive credit seeking, bust-out behavior, cycling credit, not meeting minimum spend on welcome bonuses, suspicious account activity, violating terms of service, or significant changes in financial behavior.
Cliff Effect Rules
American Express enforces a 'once per lifetime' rule for welcome bonuses on specific card products. Additionally, Amex has 'family rules' where certain card products within the same family (e.g., different versions of a co-branded card or similar premium cards) may make you ineligible for a bonus if you've previously held a related product. For a hypothetical 'fullbeauty-credit-card' issued by Amex, it would primarily be subject to the 'once per lifetime' rule for its specific product bonus.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Please note: As an AI, I cannot access future (2026) specific card rules or browse real-time, future-dated URLs. Furthermore, public information indicates the Fullbeauty Credit Card is typically issued by Comenity Bank, not American Express. Therefore, the following rules are based on *general American Express issuer policies* and the known rules provided in the prompt, applied hypothetically as if American Express were to issue this card in 2026. **Eligibility Requirements (General Amex):** Applicants must typically have good to excellent credit, be at least 18 years old, have a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet income requirements. Residency in the U.S. is generally required. **Welcome Bonus Rule:** One welcome bonus per card per lifetime. This means you are generally eligible for a welcome bonus on a specific American Express credit card product only once in your lifetime. If you've had the card before, you may not be eligible for a new bonus. **Application Rules (General Amex):** * **2/90 Rule:** A maximum of 2 credit card approvals every 90 days. This rule applies to new credit card applications, not charge cards. * **1/5 Rule:** Generally, you can only be approved for one American Express credit card within a 5-day period. * **Credit Card Limit:** American Express typically limits individuals to a maximum of 5 credit cards (excluding charge cards) at any given time.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
Bread Financial
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 29.99% Variable
Quick Summary
Annual Fee Free
RewardsPoints
Min. FICO580+
Card TypeCredit
Online
Ask any doubts about cards.
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