Bread Financial · Mastercard

Points Power Mastercard

Credit 10,000 Points Bonus

$0 Annual Fee

29.99% Variable Purchase APR

10,000 Welcome Bonus

670+ Recommended FICO

Points Reward Type

Welcome Bonus

10,000 Points

Welcome Bonus

Spend $1,000 in the first 90 days

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.01¢ each

Category	Rate	Type	Cap
Gas Purchases at service stations (MCC 5541 and 5542)	3x	Points	No cap
Groceries Purchases at grocery stores and supermarkets (MCC 5411)	3x	Points	No cap
All Other Purchases All eligible purchases not categorized as gas or groceries, everywhere else Mastercard is accepted	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Online Account Access Conveniently manage your credit card account online, view statements, make payments, and track your rewards balance through a secure web portal.	Account Management	24/7 online access
Points Earning on Purchases Earn points for every dollar spent on eligible purchases made with your Points Power Mastercard. The specific earning rate is detailed in the rewards program terms.	Rewards	Typically 1 point per $1 spent
Points Redemption for Rewards Redeem accumulated points for various rewards, which may include statement credits, gift cards, or merchandise, as defined by the rewards program terms and conditions.	Rewards	Varies by redemption option
Mastercard Global Service Provides 24/7 emergency assistance services worldwide for card-related needs, including lost and stolen card reporting, emergency card replacement, and emergency cash advances.	Travel Assistance	24/7 emergency assistance

Interest Rates

Purchase APR29.99% Variable

Balance Transfer APR29.99%

Cash Advance APR32.99%

Penalty APR29.99%

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each balance 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 $30

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Issuer Rules & Restrictions

Maximum Cards per Issuer

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

Shutdown Risk Triggers

Manufactured spending (MS), cycling credit limits, high cumulative credit limit relative to reported income, unusual spending patterns inconsistent with financial profile, payment defaults, abuse of return policies, rapid application for multiple cards (exceeding the 2/90 rule or other internal velocity limits), suspected fraud, or repeated attempts to circumvent bonus eligibility rules.

Cliff Effect Rules

The primary 'cliff effect' is the 'one welcome bonus per card per lifetime' rule, which prevents re-bonusing on the same product. While less common for distinct products, American Express may occasionally consider certain card products as part of a 'family' where receiving a bonus on one might preclude eligibility for another within that family, though the lifetime rule is generally product-specific.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

American Express maintains its strict 'one welcome bonus per card per lifetime' policy for the points-power-mastercard in 2026. Eligibility for the welcome bonus requires applicants to not have previously held this specific card product. Applicants are subject to a maximum of two credit card approvals within any 90-day period. General eligibility criteria include a strong credit history (typically good to excellent, FICO score 670+ recommended), sufficient verifiable income, and meeting American Express's internal underwriting standards. American Express generally limits individuals to a maximum of 5 credit cards at any given time.

Military & Hardship

MLA Compliant

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

Hardship Program

Hardship program available.

Bread Financial

Annual Fee

Apply Now

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Welcome Bonus 10,000 Points

APR 29.99% Variable

More Bread Financial Cards

Points Power Mastercard

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary