Bread Financial

Grandin Road Credit Card

Credit Standard

$0 Annual Fee

32.24% Variable Purchase APR

580+ Recommended FICO

Points Reward Type

Rewards

Reward TypePoints

Base Rate1x / 1%

Point Value~0.01¢ each

ExpirationPoints will expire 12 months after the date they are posted to your Reward Points balance. Reward Certificates will expire six (6) months from the date of issue.

Redemption NotesPoints are not earned on purchases made for commercial purposes, gift cards, gift certificates, promotional financing offers, interest charges, or fees. Reward Certificates are redeemable only at Grandin Road stores or grandinroad.com; may not be used for previous purchases, gift cards, gift certificates, or as payment on your credit card account. They are not legal tender, no cash back will be given, and any unused portion is forfeited. Certificates cannot be combined with other discounts, coupons, or offers, are not transferable, and may only be used by the account holder. Lost, stolen, or expired certificates will not be replaced.

Benefits & Protections

Benefit	Category	Value / Coverage
Birthday Offer Receive a special offer during your birthday month as a Grandin Road Credit Cardholder.	Shopping	Varies by offer
Cardholder-Only Savings Events Access to exclusive savings events available only to Grandin Road Credit Cardholders.	Shopping	Varies by event
First Purchase Discount Receive 10% off your first purchase made with the Grandin Road Credit Card upon account opening.	Shopping	10% off
Free Shipping Enjoy free standard shipping on every order placed with your Grandin Road Credit Card.	Shopping	Free standard shipping
Special Financing Offers Access to exclusive special financing offers on qualifying purchases made with the Grandin Road Credit Card. Terms and conditions apply to specific offers.	Shopping	Varies by offer

Interest Rates

Purchase APR32.24% Variable

Cash Advance APR32.24%

Penalty APR32.24%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–700

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 0 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, excessive returns, misuse of the rewards program to maximize points in a manner inconsistent with typical consumer activity, account delinquency, fraudulent activity, violation of the credit card agreement

International Friendly

May have limitations for international use.

Additional Issuer Rules

The Grandin Road Credit Card is a closed-loop store card issued by Comenity Capital Bank, usable only at Grandin Road stores and grandinroad.com. Eligibility for this card typically requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number or ITIN, and demonstrate a good to excellent credit history. Comenity Capital Bank does not publish a hard cap on the number of cards a customer may hold, but applicants should be aware that multiple recent applications across Comenity's portfolio may affect approval odds. Unlike general-purpose credit cards from major issuers, there is no publicly documented bonus-blocking rule specific to this card comparable to Chase 5/24 or Amex once-per-lifetime restrictions.

Military & Hardship

MLA Compliant

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

SCRA Benefits

If you are an eligible active duty servicemember, you may receive a reduced interest rate not to exceed 6% on pre-service balances pursuant to the Servicemembers Civil Relief Act.

Bread Financial

Annual Fee

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APR 32.24% Variable

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