BR
Bread Financial · Visa

Good Sam Rewards Visa® Credit Card

Credit 10,000 Points Bonus
$0 Annual Fee
29.99% Variable Purchase APR
10,000 Welcome Bonus
670+ Recommended FICO
Browse Cards Bread Financial Good Sam Rewards Visa® Credit Card

Welcome Bonus

10,000 Points
Welcome Bonus
Spend $1,000 in the first 90 days
Bonus Posted The 10,000 bonus points will be awarded to your account within 1-2 billing cycles after you have met the spend requirement.

Rewards

CategoryRateTypeCap
Travel
Purchases at Camping World, Gander RV & Outdoors, Overton's, and Good Sam.
5x Points No cap
Travel
Purchases at private campgrounds.
3x Points No cap
Gas
Purchases at gas stations.
3x Points No cap
All Other Purchases 1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
The Good Sam Rewards Visa® Credit Card has no annual fee.
Financial $0 annual fee
Up to $0
Extended Warranty Protection
Doubles the time period of the original manufacturer's written U.S. repair warranty up to one additional year on eligible warranties of three years or less.
Purchase Protection Up to one additional year on eligible warranties
Purchase Security
Protects new purchases made with your eligible Visa card from theft or damage for the first 90 days from the date of purchase, up to a maximum of $500 per claim and $50,000 per cardholder.
Purchase Protection Up to $500 per claim, $50,000 per cardholder
Up to $500
Good Sam Rewards Points Earning - Everywhere Else
Earn 1 point for every $1 spent everywhere else Visa credit cards are accepted.
Rewards 1 point per $1 spent
Good Sam Rewards Points Earning - Good Sam & Family of Brands
Earn 5 points for every $1 spent on eligible purchases at Good Sam and its family of brands (Camping World, Gander RV & Outdoors, Overton's, The House, and Uncle Dan's).
Rewards 5 points per $1 spent
Good Sam Rewards Points Earning - Qualifying Campground Purchases
Earn 3 points for every $1 spent on qualifying campground purchases.
Rewards 3 points per $1 spent
Good Sam Rewards Points Redemption
Redeem points for Good Sam merchandise, services, and gift cards. Points are generally worth $0.01 each when redeemed for merchandise, services, or gift cards at Good Sam and its family of brands.
Rewards Points redeemable for merchandise, services, and gift cards (typically $0.01 per point)
Emergency Cash Disbursement & Card Replacement
If your card is lost or stolen, Visa can work with your financial institution to arrange to get you an emergency card replacement and/or cash.
Security Emergency card replacement and/or cash assistance
Lost/Stolen Card Reporting
If your Visa card is lost or stolen, call 1-800-VISA-911 (1-800-847-2911) to report it. Visa will work with your financial institution to disable your lost or stolen card and protect you from unauthorized purchases.
Security Assistance with disabling lost/stolen card and protection from unauthorized purchases
Zero Fraud Liability
You're protected if your card is lost, stolen or used without your authorization. Visa's Zero Liability Policy means you won't be held responsible for unauthorized purchases made with your card or account information.
Security Protection against unauthorized purchases
Roadside Dispatch®
A pay-per-use roadside assistance program. No annual dues, no membership required. Just call 1-800-VISA-TOW (1-800-847-2869) and a dispatch specialist will send help to you. Services include standard towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Fees apply per service call.
Travel Pay-per-use roadside assistance services
Auto Rental Collision Damage Waiver
Provides coverage for damage due to collision or theft up to the actual cash value of most rental vehicles when you rent an eligible vehicle with your card and decline the rental company's collision damage waiver (CDW) or similar option.
Travel Insurance Coverage up to the actual cash value of most rental vehicles
Travel and Emergency Assistance Services
Connects you with the help you need when you're away from home. The Benefit Administrator can help you with medical and legal referrals, emergency transportation assistance, and more. You are responsible for the cost of any services received.
Travel Insurance Referral and assistance services for medical, legal, and emergency transportation

Interest Rates

Purchase APR29.99% Variable
Balance Transfer APR29.99%
Cash Advance APR29.99%
Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee
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 670–739
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsGood
Decision TimeInstant
Pre-QualificationNot available
Student EligibleNo
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 seeking, abuse of welcome offers or referral programs, high cumulative credit limit across Amex cards without sufficient spend, suspicious spending patterns, repeated late payments, or defaulting on other Amex products.
Cliff Effect Rules
American Express has 'card family' rules where having or previously holding certain cards within the same product family (e.g., different versions of co-branded airline or hotel cards) may make you ineligible for the welcome bonus on a related card, even if it's a different product name. The 'once per lifetime' rule is the primary cliff effect, but family rules can further restrict eligibility.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Please note: The 'Good Sam Credit Card' is typically issued by Comenity Bank, not American Express. However, based on the prompt's explicit instruction to analyze it 'from American Express' and the provision of Amex-specific 'Known Rules' (lifetime bonus, 2/90 rule), this analysis assumes a hypothetical 'good-sam-credit-card' issued by American Express, with rules projected for 2026 based on current Amex policies. Eligibility Requirements: - Must be a U.S. resident and at least 18 years of age. - Generally requires good to excellent credit history (typically FICO score 670+). - Must meet American Express's internal underwriting criteria. Welcome Bonus Rule: - One welcome bonus per card product per lifetime. This rule is strictly enforced by American Express, meaning if you have ever had the specific card product before, you are generally ineligible for a new welcome bonus. While 'lifetime' is official, some data points suggest a 7-year unofficial window for re-eligibility on some products, but this is not guaranteed. Application Rules: - 2/90 Rule: A maximum of 2 credit card approvals are allowed within any 90-day period across all American Express credit card products. - Pop-up Jail: American Express utilizes an internal algorithm that may prevent applicants from receiving a welcome bonus if they are deemed to have a history of 'churning' cards or are not profitable customers. This is often indicated by a pop-up message during the application process. General Amex Policies (projected for 2026): - American Express may conduct a soft pull for existing customers for new applications, but a hard pull is typical for new customers or if Amex deems it necessary. - Credit limits are determined based on creditworthiness and existing Amex relationships.
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
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Welcome Bonus 10,000 Points
APR 29.99% Variable
Quick Summary
Annual Fee Free
Welcome Bonus10,000 Points
Min. FICO670+
NetworkVisa
Card TypeCredit
Online
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