Bread Financial

Jared Preferred Credit Card

Credit Preferred No Foreign Fees

$0 Annual Fee

29.99% Variable Purchase APR

600+ Recommended FICO

Rewards

Base Rate0x / 0%

Redemption NotesThis card does not earn rewards points or cash back; it functions purely as a financing card with promotional credit plans.

Category	Rate	Type	Cap
All Other Purchases This card is a closed-loop financing credit card that provides special promotional financing options rather than standard rewards point accumulation or cash back tracking.	0x	Points	No cap

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
No Annual Fee There is no annual fee charged for maintaining the Jared Credit Card account.	Financial	No annual fee Up to $0
Exclusive Cardholder Offers Receive special discounts, promotions, and exclusive offers available only to Jared Credit Cardholders.	Shopping	Varies by offer
Special Financing Offers Access to special financing options on qualifying purchases made with the Jared Credit Card.	Shopping	Varies by offer

Interest Rates

Purchase APR29.99% Variable

Balance Transfer APR29.99%

Cash Advance APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6, 12, 18, 24, 36, 48 or 60 Months.

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 $41

Approval & Eligibility

600 Recommended minimum FICO · Range 600–700

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantAllowed

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 across Amex products, abnormal spending patterns inconsistent with reported income, frequent balance transfers without genuine spending, repeated attempts to game welcome bonuses, financial review triggers, late or bounced payments, or excessive credit seeking behavior.

Cliff Effect Rules

American Express often applies 'family rules' where obtaining a welcome bonus on one card within a product family (e.g., different versions of a co-branded card or premium travel cards) may make an applicant ineligible for a bonus on a similar card, even if it's a distinct product. Specific eligibility for bonuses may also be tied to prior card ownership or cancellation history within a certain timeframe.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Applicants are eligible for one welcome bonus per 'jared-preferred-credit-card' per lifetime. American Express enforces a 2/90 rule, limiting approvals to a maximum of two credit cards within any 90-day period. Eligibility for this card requires a strong credit history (typically FICO score 700+), no recent bankruptcies, and meeting American Express's income and creditworthiness criteria. Existing cardholders may be subject to additional internal rules regarding new card applications.

Military & Hardship

MLA Compliant

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

SCRA Benefits

Special rules apply for military borrowers under the Military Lending Act, including non-application of arbitration and class action waivers. Call 1-844-487-8260 for a summary of MLA rights.

Bread Financial

Annual Fee

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APR 29.99% Variable

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