Bread Financial

My Smile Care Credit Card

Credit Standard

$0 Annual Fee

34.74% Variable Purchase APR

620+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Other Purchases This credit account functions strictly as a closed-loop healthcare financing card and does not earn standard loyalty reward points, cash back, or miles on transactions.	0x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee This specialized healthcare credit account carries zero annual fees to remain open.	Financial	$0 Annual Fee Up to $0
Deferred Interest Promotional Financing Provides a no-interest option if the promotional purchase balance is paid in full within 6, 12, 18, or 24 months from the transaction date.	Other	0% Intro APR
Low APR Equal Payment Plan Offers a reduced 14.99% fixed APR for 12, 24, or 36 months with structured equal monthly payments at participating locations.	Other	14.99% APR Plan

Interest Rates

Purchase APR34.74% 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 6, 12, 18 or 24 months. Minimum monthly payments required. See below for details.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer 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 $30

Approval & Eligibility

620 Recommended minimum FICO · Range 620–699

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleNo

Co-ApplicantAllowed

Business EligibleNo

Credit Limit Range $500 – 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, excessive gift card purchases, rapid cycling of large credit limits, high cumulative credit limit relative to income, frequent balance transfers from other Amex cards, repeated opening and closing of accounts solely for bonuses, late payments, or defaulting on payments.

Cliff Effect Rules

The 'one welcome bonus per card per lifetime' rule applies to each specific product. Obtaining a bonus for one Amex product does not typically preclude eligibility for a bonus on a different Amex product.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Welcome bonus: One welcome bonus per card per lifetime. Application rule: Maximum 2 credit card approvals every 90 days. Eligibility: Applicants must generally have good to excellent credit (FICO score typically 670+), sufficient income to support credit, be a U.S. resident, and 18 years or older. For the welcome bonus, applicants must not have previously received a welcome bonus for this specific 'my-smile-care-credit' product.

Military & Hardship

MLA Compliant

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

SCRA Benefits

6% APR cap on pre-service balances during active duty

Hardship Program

Hardship program available.

Bread Financial

Annual Fee

Apply Now

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APR 34.74% Variable

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