BR
Bread Financial · Mastercard

PENN Entertainment Mastercard®

Co-branded Standard
$0 Annual Fee
30.99% Variable Purchase APR
670+ Recommended FICO
Points Reward Type
Browse Cards Bread Financial PENN Entertainment Mastercard®

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 5x
Point Value~0.01¢ each
ExpirationPoints expire after 13 months of inactivity
CategoryRateTypeCap
PENN Play® Properties & mychoice.com
On eligible purchases at participating PENN Play® properties and on mychoice.com, excluding purchases made at third-party merchants operating within PENN Play® properties.
5x Points No cap
Gas & Groceries
On eligible gas and grocery purchases, excluding purchases at superstores, convenience stores, drugstores, and warehouse clubs.
3x Points No cap
All Other Purchases 1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
The PENN Entertainment Mastercard has no annual fee.
Financial $0
Up to $0
No Foreign Transaction Fees
There are no foreign transaction fees on purchases made outside the United States.
Financial 0%
Up to $0
Automatic PENN Play Advantage Tier Status
Receive automatic PENN Play Advantage tier status upon approval for the PENN Entertainment Mastercard.
Lifestyle Advantage Tier
Mastercard Priceless® Experiences
Provides exclusive access to unique experiences, offers, and events in cities around the world and online.
Lifestyle Exclusive Access
PENN Play Preferred Tier Status Upgrade
Achieve PENN Play Preferred tier status after spending $10,000 on eligible purchases with the card in a calendar year.
Lifestyle Preferred Tier
PENN Play Points - All Other Purchases
Earn 1 PENN Play Point per $1 spent on all other eligible purchases. Points are worth $0.001 each when redeemed for Free SlotPlay or Comps.
Rewards 1X Points ($0.001 back per $1)
PENN Play Points - Gas & Groceries
Earn 3 PENN Play Points per $1 spent on eligible gas and grocery purchases. Points are worth $0.001 each when redeemed for Free SlotPlay or Comps.
Rewards 3X Points ($0.003 back per $1)
PENN Play Points - PENN Destinations
Earn 5 PENN Play Points per $1 spent on eligible purchases at PENN Play destinations, including casinos, hotels, restaurants, and entertainment venues. Points are worth $0.001 each when redeemed for Free SlotPlay or Comps.
Rewards 5X Points ($0.005 back per $1)
PENN Play Points Expiration
PENN Play Points expire 12 months after the month they are earned if there is no activity (purchase, payment, or redemption) on the account.
Rewards 12 months (with inactivity)
Welcome Bonus Points
Earn 10,000 bonus PENN Play Points after spending $750 on eligible purchases in the first 90 days of account opening. Points are worth $0.001 each when redeemed for Free SlotPlay or Comps, making the bonus worth $10.
Rewards 10,000 Points ($10 value)
Up to $10
Mastercard ID Theft Protection™
Provides identity theft resolution services, including monitoring for suspicious activity and assistance with identity restoration.
Security Complimentary
Mastercard Zero Liability Protection
Protects cardholders from unauthorized purchases if their card is lost or stolen, ensuring they are not held responsible for fraudulent charges.
Security Complimentary
Mastercard Airport Concierge™
Offers a personal, dedicated Meet & Greet agent to assist with airport navigation, baggage, and other services at over 450 airports worldwide.
Travel Discounted Service
Mastercard Global Service™
Provides 24/7 emergency assistance for card-related issues, including lost/stolen card reporting, emergency card replacement, and cash advances.
Travel Complimentary

Interest Rates

Purchase APR30.99% Variable
Balance Transfer APR30.99%
Cash Advance APR32.99%
Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee
Authorized User FeeFree
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

670 Recommended minimum FICO · Range 670–739
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsGood
Co-ApplicantNot allowed

Issuer Rules & Restrictions

Shutdown Risk Triggers
Manufactured spending, excessive credit line requests, rapid application for multiple Bread Financial cards, high credit utilization across all cards, defaulting on payments
International Friendly
May have limitations for international use.
Additional Issuer Rules
Bread Financial (Comenity) generally does not enforce strict application velocity rules like 5/24 or once-per-lifetime bonus restrictions across its portfolio for co-branded cards. The PENN Entertainment Mastercard offers 10,000 bonus PENN Play points after spending $1,000 outside of PENN Entertainment destinations within the first 90 days of account opening.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
Interest rate on eligible pre-service balances reduced to 6% per year during active duty service, with excess interest forgiven.
Hardship Program
Hardship program available.
Bread Financial
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 30.99% Variable
Quick Summary
Annual Fee Free
RewardsPoints
Min. FICO670+
NetworkMastercard
Card TypeCo-branded
Online
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