Bread Financial · Mastercard

Nest Credit Card

Rewards Standard

$0 Annual Fee

29.99% Variable Purchase APR

600+ Recommended FICO

Points Reward Type

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.01¢ each

ExpirationPoints will expire 24 months from the date they are earned.

Category	Rate	Type	Cap
Nest Purchases	5x	Cash Back	No cap
Gas Stations	2x	Cash Back	No cap
Groceries	2x	Cash Back	No cap
All Other Purchases	1x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee There is no annual fee charged for maintaining the Nest Credit Card account.	Financial	$0 Up to $0
Online Account Management Access and manage your Nest Credit Card account online, including viewing statements, making payments, and updating personal information.	Financial	Complimentary
Special Financing Offers Cardholders may be eligible for special financing promotions on qualifying purchases made at Nest Bedding, allowing for deferred interest or reduced APR for a specified period.	Financial	Varies by promotion
Zero Fraud Liability Cardholders are not responsible for unauthorized charges made with their Nest Credit Card, providing protection against fraudulent activity.	Security	Full Protection
Exclusive Cardholder Promotions Receive special discounts, offers, and promotions available only to Nest Credit Cardholders for purchases at Nest Bedding.	Shopping	Varies

Interest Rates

Purchase APR29.99% Variable

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged 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 Fee3%

Balance Transfer FeeEither $10 or 5% of the amount of each 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

Student EligibleNo

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers

Manufactured spending, excessive cash advances, too many applications in short period, high credit utilization across all cards

International Friendly

May have limitations for international use.

Additional Issuer Rules

Applicants can earn a $50 statement credit after spending $500 outside of Nest within the first 90 days of account opening. Comenity Bank generally does not enforce strict application velocity limits or complex bonus re-eligibility rules like other major issuers, beyond standard new cardmember requirements.

Military & Hardship

MLA Compliant

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

SCRA Benefits

Interest rate reduced to 6% per annum on eligible balances incurred prior to active duty service.

Hardship Program

Hardship program available.

Bread Financial

Annual Fee

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APR 29.99% Variable

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