Bread Financial

HP Credit Account

Credit Standard No Foreign Fees

$0 Annual Fee

29.99% Variable Purchase APR

580+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Other Purchases The account does not earn traditional rewards points or cash back, but instead provides access to special promotional financing plans on qualifying purchases.	0x	Cash Back	No cap

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
12 Months Special Financing No interest if paid in full within 12 months on qualifying purchases of $750 or more.	Financial	0% Promotional APR
24 Months Special Financing No interest if paid in full within 24 months on qualifying purchases of $2,500 or more.	Financial	0% Promotional APR
6 Months Special Financing No interest if paid in full within 6 months on qualifying purchases of $200 or more.	Financial	0% Promotional APR
Low APR Equal Payment Plan Equal monthly payments for 18, 24 or 36 months with a reduced 12.99% APR on qualifying purchases.	Financial	12.99% APR
No Annual Fee The HP Credit Account has no annual fee.	Financial	$0 Up to $0
Exclusive Cardmember Offers Access to special discounts, promotions, and exclusive offers available only to HP Credit Account cardmembers.	Shopping	Varies

Interest Rates

Purchase APR29.99% Variable

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 12 months.

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 $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

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $300 – $5,000

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, excessive credit seeking, high cumulative credit limit across Amex products, rapid account opening/closing, abuse of return policies, suspicious spending patterns inconsistent with income, frequent large cash advances, or attempts to game reward systems.

Cliff Effect Rules

American Express often applies 'family rules' where eligibility for a welcome bonus on one card product may be impacted if you have or have had a similar card within the same product family (e.g., different co-branded versions or premium tiers). While specific to the 'hp-credit-account', it's prudent to check for similar co-branded or general Amex credit cards that might share bonus eligibility restrictions.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

For 2026, the American Express 'hp-credit-account' is expected to maintain its standard welcome bonus policy: one bonus per card product per lifetime. Application rules will continue to include a maximum of 2 credit card approvals within any 90-day period. Eligibility requirements typically demand a good to excellent credit score (generally FICO 670+), a stable income, and that the applicant has not previously held this specific card product to qualify for the welcome bonus.

Military & Hardship

MLA Compliant

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

SCRA Benefits

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of credit. The cost of credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent, including certain fees. For more information, call 1-844-335-5909.

Bread Financial

Annual Fee

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APR 29.99% Variable

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