Bread Financial · American Express

Jessica London Credit Card

Credit

$0 Annual Fee

32.24% Variable Purchase APR

580+ Recommended FICO

Rewards

Category	Rate	Type	Cap
Jessica London Purchases Purchases made at Jessica London	2x	Points	No cap
All Other Purchases Purchases made everywhere else Visa is accepted	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Birthday Offer Receive a special discount or offer during your birthday month as a cardholder.	Lifestyle	Varies
Exclusive Cardholder Promotions Access to special sales, discounts, and promotions available only to Jessica London Credit Cardholders throughout the year.	Shopping	Varies
First Purchase Discount Receive 20% off your first purchase made with your Jessica London Credit Card.	Shopping	20% off
Free Standard Shipping Enjoy free standard shipping on orders of $75 or more when you use your Jessica London Credit Card.	Shopping	Free shipping on $75+ orders
Rewards Earning Earn 2 rewards points for every $1 spent on qualifying purchases at Jessica London and other FullBeauty Brands.	Shopping	2 points per $1

Interest Rates

Purchase APR32.24% Variable

Cash Advance APR32.24%

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 by the end of the promotional period.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

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 OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $200 – 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., excessive gift card purchases, money orders), high cumulative credit limit across Amex accounts relative to income, rapid cycling of credit (large payments immediately after large purchases), abuse of return/purchase protection benefits, repeated application and cancellation of cards solely for welcome bonuses, and suspicious spending patterns inconsistent with declared income.

Cliff Effect Rules

American Express maintains 'family rules' where eligibility for a welcome bonus on certain card products may be restricted if you have previously held or received a bonus on a similar card within the same product family. While less common for co-branded store cards, it's possible that future variants of the 'jessica-london-credit-card' could be subject to such restrictions, preventing a bonus if a closely related product was previously held.

International Friendly

May have limitations for international use.

Additional Issuer Rules

American Express enforces a 'one welcome bonus per card per lifetime' rule, meaning you can only receive the welcome offer for the jessica-london-credit-card once. Additionally, applicants are generally limited to a maximum of two credit card approvals within any 90-day period across all American Express credit card products. Eligibility requires applicants to be 18 years or older, a US resident, possess a valid SSN/ITIN, and demonstrate a good to excellent credit history (typically FICO 670+).

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, limiting the cost of consumer credit to an annual percentage rate of 36 percent, including finance charges and certain fees.

Bread Financial

Annual Fee

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APR 32.24% Variable

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