Bread Financial

Helzberg Credit Card

Store Standard No Foreign Fees

$0 Annual Fee

32.24% Variable Purchase APR

580+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Other Purchases This card does not offer a traditional rewards program, points, or cash back on purchases; it provides access to promotional financing plans instead.	0x	Cash Back	No cap

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
No Annual Fee The Helzberg Diamonds Credit Card does not charge an annual fee for card membership.	Cost Savings	$0 annual fee Up to $0
Special Financing Offers Access to special promotional financing plans on qualifying purchases made with the Helzberg Diamonds Credit Card. Specific offers and terms vary and are subject to credit approval. Available every day.	Financing	Varies by offer
Exclusive Cardholder Offers Receive special discounts, promotions, and exclusive offers available only to Helzberg Diamonds Credit Cardholders.	Shopping	Varies by offer

Interest Rates

Purchase APR32.24% Variable

Cash Advance APR32.24%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: If you have a promotional purchase, interest will be charged to your account from the purchase date if the promotional purchase is not paid in full by the promotional period expiration date.

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 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsFair

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, high cumulative credit limit, bust-out behavior, credit cycling, excessive returns, unusual spending patterns, applying for too many cards too quickly (beyond the 2/90 rule), non-usage of the card, or defaulting on payments.

Cliff Effect Rules

American Express has 'family rules' where eligibility for a welcome bonus on one card product may preclude eligibility for a bonus on a related or similar card product within the same family. While less common for single-brand store cards, it could apply if multiple tiers or versions of the Helzberg card were offered by Amex.

International Friendly

May have limitations for international use.

Additional Issuer Rules

American Express applies a 'one welcome bonus per card per lifetime' rule, meaning you can only receive a welcome bonus for this specific card product once. Applicants are generally limited to a maximum of 2 credit card approvals every 90 days across all Amex credit products. Eligibility typically requires being 18 years or older, a US resident with a valid SSN or ITIN, and meeting American Express's creditworthiness standards.

Military & Hardship

MLA Compliant

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

SCRA Benefits

Federal law provides protections to members of the Armed Forces and their dependents, limiting the APR to 36% for covered borrowers. This rate includes costs like credit insurance premiums, ancillary product fees, and certain application/participation fees.

Hardship Program

Hardship program available.

Bread Financial

Annual Fee

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APR 32.24% Variable

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