Bread Financial · Mastercard

Green Bay Packers Extra Points Credit Card

Credit 10,000 Points Bonus

$0 Annual Fee

29.99% Variable Purchase APR

10,000 Welcome Bonus

580+ Recommended FICO

Points Reward Type

Welcome Bonus

10,000 Points

Welcome Bonus

Spend $500 in the first 90 days

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 3x

Point Value~0.01¢ each

Travel Portal1x

ExpirationPoints will expire five (5) years from the end of the calendar quarter in which they were earned.

Category	Rate	Type	Cap
Green Bay Packers Purchases Eligible Green Bay Packers purchases	3x	Points	No cap
Gas Eligible gas purchases	2x	Points	No cap
Groceries Eligible grocery store purchases	2x	Points	No cap
All Other Purchases All other purchases everywhere Mastercard is accepted	1x	Points	No cap

Benefits & Protections

Travel Insurance

Cell Phone Protection

Purchase Protection

Extended Warranty

Lost Luggage Coverage

Concierge Service

Benefit	Category	Value / Coverage
No Annual Fee There is no annual fee for carrying this credit card.	Financial	$0 Up to $0
Everyday Purchases Rewards Earn 1 Extra Point for every $1 spent on all other purchases made with your card.	Rewards	1 point per $1
Gas and Groceries Rewards Earn 2 Extra Points for every $1 spent on eligible gas and grocery purchases made with your card.	Rewards	2 points per $1
Green Bay Packers Purchases Rewards Earn 3 Extra Points for every $1 spent on eligible Green Bay Packers purchases made with your card.	Rewards	3 points per $1
Points Redemption for Packers Merchandise & Experiences Redeem earned Extra Points for exclusive Green Bay Packers merchandise, unique experiences, and more.	Rewards	Varies by redemption
Welcome Offer Statement Credit Get a $100 statement credit after you spend $500 in the first 90 days of account opening.	Welcome Offer	$100 statement credit Up to $100

Interest Rates

Purchase APR29.99% Variable

Balance Transfer APR29.99%

Cash Advance APR31.99%

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

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 $41

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 (e.g., buying gift cards with the card to meet spend, then liquidating), high cumulative credit limit across Amex cards relative to income, excessive credit cycling, abuse of return policies, opening and closing multiple cards solely for bonuses without genuine spend, inconsistent income reporting, or suspicious spending patterns.

Cliff Effect Rules

The 'once per lifetime' bonus rule can extend to previous versions or closely related products within the same card family, preventing eligibility for a bonus if a similar card has been held previously. This is distinct from Chase's 5/24 rule, focusing more on product-specific bonus eligibility.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Eligibility Requirements (projected for 2026): Applicants must be 18 years or older, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), be a U.S. resident, and demonstrate a good to excellent credit history with sufficient income to support the credit limit. Welcome Bonus Rule: American Express generally enforces a 'once per lifetime' rule for welcome bonuses. This means applicants are typically eligible for one welcome bonus per specific card product. Eligibility may be restricted if you have or have had this Card, or previous versions of this Card. Application Rules: American Express applies a '2/90 Rule' for credit card approvals, limiting applicants to a maximum of two credit card approvals within any 90-day period. This rule specifically applies to credit cards and does not typically affect charge card applications.

Military & Hardship

SCRA Benefits

Eligible servicemembers on active duty may qualify for an interest rate reduction to 6% on balances incurred prior to active duty start date. Contact Comenity Bank for details and to request benefits.

Bread Financial

Annual Fee

Apply Now

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Welcome Bonus 10,000 Points

APR 29.99% Variable

More Bread Financial Cards

Green Bay Packers Extra Points Credit Card

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary