Bread Financial

Raymour & Flanigan Credit Account

Credit Standard

$0 Annual Fee

29.99% Variable Purchase APR

600+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Other Purchases This card does not offer a traditional rewards program, points, or cash back on purchases; it provides access to promotional financing plans instead.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee There is no annual fee charged for maintaining the Raymour & Flanigan Credit Account.	Financial	$0 Up to $0
Access to Special Financing Offers Cardholders may be offered special financing terms on certain transactions, which can include reduced Annual Percentage Rates (APRs) or interest-free periods. Specific offer details, including applicability and duration, are provided at the time of the offer.	Shopping	Varies by offer

Interest Rates

Purchase APR29.99% 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 12 Months. Minimum monthly payments required.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $30

Approval & Eligibility

600 Recommended minimum FICO · Range 600–700

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleNo

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 seeking, high cumulative credit limit across Amex products, suspicious account activity, non-compliance with terms and conditions, frequent balance transfers without organic spend, or rapid accumulation of rewards points without corresponding legitimate spending patterns.

Cliff Effect Rules

While the 'Once Per Lifetime' rule applies to this specific Raymour & Flanigan credit account, it is generally not subject to the broader 'family rules' that restrict welcome bonuses across similar premium Amex consumer or business cards (e.g., different versions of Platinum or Gold cards). However, the OPL rule for this specific card will prevent future welcome bonuses for the same product.

International Friendly

May have limitations for international use.

Additional Issuer Rules

American Express (Amex) applies a 'Once Per Lifetime' (OPL) rule, meaning a welcome bonus is generally available only once per specific card product per lifetime. Additionally, Amex enforces a '2/90 Rule' for credit card approvals, limiting applicants to a maximum of two credit card approvals within any 90-day period. Eligibility typically requires a good to excellent credit score (generally 670+ FICO), being at least 18 years old, a U.S. resident, and possessing a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Amex also considers factors like existing credit relationships, income, and debt-to-income ratio.

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

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APR 29.99% Variable

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