Bread Financial

Sally Beauty™ Rewards Credit Card

50 Points Bonus

$0 Annual Fee

32.24% Variable Purchase APR

50 Welcome Bonus

580+ Recommended FICO

Points Reward Type

Welcome Bonus

50 Points

Welcome Bonus

Spend $50 in the first 1 days

Bonus Posted Applied immediately to the first qualifying purchase made the same day the account is opened.

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 10x

Point Value~0.01¢ each

ExpirationPoints will expire 12 months from the date they are earned. Reward certificates are valid for 90 days from the date of issuance.

Redemption NotesReward certificates have no cash value, may not be redeemed for cash or applied as payment to your Account, and are only valid for purchases at Sally Beauty Supply stores or sallybeauty.com.

Category	Rate	Type	Cap
Online Shopping Earn 15 points per $1 spent on qualifying purchases at Sally Beauty stores, sallybeauty.com, or the Sally Beauty App for cardholders after reaching Elite tier status ($200+ annual spend).	15x	Points	No cap
Online Shopping Earn 12.5 points per $1 spent on qualifying purchases at Sally Beauty stores, sallybeauty.com, or the Sally Beauty App for cardholders at the base Preferred tier.	12.5x	Points	No cap
All Other Purchases This store card can only be used for purchases within the Sally Beauty network and does not earn rewards on external transactions.	0x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Birthday Reward Gift Receive an elevated $10 reward certificate during your birthday month instead of the standard loyalty tier gift.	Credits	$10 Reward Certificate Up to $10
Anniversary Gift Receive a surprise promotional gift every year during your account anniversary month.	Lifestyle	Surprise Gift
Enhanced Point Multiplier Earn an extra 2.5 points for every dollar spent on the Sally Beauty Rewards Credit Card, stacking on top of the base loyalty program tiers to achieve 12.5 points per $1 at the Preferred tier or 15 points per $1 at the Elite tier.	Rewards	Extra 2.5x points per $1
Account Opening Spend Bonus Get $20 off a purchase of $50 or more when you open and use your Sally Beauty Rewards Credit Card immediately at the time of account opening.	Shopping	$20 off $50 purchase Up to $20
Free Standard Shipping Enjoy free standard shipping on all online purchases made to the 48 contiguous states.	Shopping	Complimentary
Welcome Gift Discount Receive a 20% discount on your next purchase when you open and use your Sally Beauty Rewards Credit Card.	Shopping	20% off

Interest Rates

Purchase APR32.24% Variable

Cash Advance APR32.24%

Min. Interest Charge$2

Deferred Interest Warning: No Interest if paid in full within 6 Months on purchases of $250 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 Months.

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

580 Recommended minimum FICO · Range 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $250 – $3,000

Issuer Rules & Restrictions

Maximum Cards per Issuer

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

Shutdown Risk Triggers

Manufactured spending, high velocity of credit limit cycling, abuse of return policies, suspicious account activity, non-payment, or patterns of opening/closing accounts solely for bonuses. High balance utilization combined with rapid credit limit increases can also be a trigger.

International Friendly

May have limitations for international use.

Additional Issuer Rules

American Express enforces a 'one welcome bonus per card per lifetime' rule. Applicants are generally limited to a maximum of 2 credit card approvals within a 90-day period. Eligibility also requires a good credit history and sufficient income.

Bread Financial

Annual Fee

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Welcome Bonus 50 Points

APR 32.24% Variable

More Bread Financial Cards

Sally Beauty™ Rewards Credit Card

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary