Bread Financial

Petland Credit Card

Credit Standard No Foreign Fees

$0 Annual Fee

29.99% Variable Purchase APR

580+ Recommended FICO

Points Reward Type

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.01¢ each

Travel Portal1x

ExpirationPoints will expire 36 months from the date they are earned. Points will be forfeited if your Account is closed or if your Account becomes inactive (no purchases, payments or credits) for 12 consecutive months.

Redemption NotesPetland Rewards Certificates are valid for 90 days from the date of issuance. Not redeemable for cash or gift cards. Not valid on prior purchases. Not valid for the purchase of live animals. Cannot be combined with any other offers or discounts. Cannot be replaced if lost, stolen or damaged. Not transferable. Not valid for online purchases.

Category	Rate	Type	Cap
Petland Purchases Earn 3 points for each $1.00 of net eligible purchases made at Petland locations.	3x	Points	No cap
All Other Purchases Earn 1 point for each $1.00 of net eligible purchases made everywhere else.	1x	Points	No cap

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
No Annual Fee The card has no annual fee for maintenance or holding the account.	Financial	No Annual Fee Up to $0
Special Financing Offers Provides deferred interest options (no interest if paid in full within 6, 12, or 24 months) or low APR equal payment plans (5.99% or 9.99% APR for 18, 24, 36, 48, or 60 months) on qualifying purchases at participating locations or the website.	Financial	Deferred Interest or Low APR Plans
Petland Rewards Points Earn 1 point for every dollar spent on eligible purchases at Petland when using the card (excludes transactions placed on a promotional credit financing plan).	Rewards	1 point per $1

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Penalty APR32.24%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within 6 or 12 Months or if you make a late payment.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, excessive credit limit utilization across Amex cards, abuse of return policies, rapid and uncharacteristic spending patterns, frequent balance transfers, non-payment or late payments, and triggering a financial review (FR).

Cliff Effect Rules

American Express enforces a 'one welcome bonus per card per lifetime' rule for the Petland Credit Card. Additionally, Amex has broader 'family rules' where receiving a bonus on one product variant could make you ineligible for a bonus on another variant within the same family, though this is less common for single co-brand cards like Petland. The primary cliff for this card is the lifetime bonus restriction.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility for the Petland Credit Card by American Express in 2026 requires applicants to be 18 years or older, possess a valid SSN or ITIN, and have a good credit history. Applicants are subject to American Express's 'one welcome bonus per card per lifetime' rule, meaning you cannot receive the welcome bonus if you have previously held this specific card and received its bonus. Furthermore, American Express enforces a '2/90 rule,' limiting approvals to a maximum of two credit cards within any 90-day period. General Amex credit card limits also apply, typically capping individuals at 5 credit cards and 10 charge cards across all Amex products.

Military & Hardship

MLA Compliant

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

SCRA Benefits

Eligible active duty servicemembers, their spouses, and dependents may receive Servicemembers Civil Relief Act (SCRA) benefits, including a Military Annual Percentage Rate (MAPR) cap of 36%.

Hardship Program

Hardship program available.

Bread Financial

Annual Fee

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APR 29.99% Variable

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