Bread Financial

SalonCentric Credit Card

Store Standard 10,000 Points Bonus No Foreign Fees

$0 Annual Fee

32.24% Variable Purchase APR

10,000 Welcome Bonus

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

Travel Portal1x

ExpirationPoints will not expire as long as your Account is open and in good standing. Rewards Certificates are valid for 90 days from the date of issuance.

Redemption NotesRewards Certificates expire 90 days from issuance, are not legal tender, no cash back will be given, are not transferable, and lost, stolen or expired certificates will not be replaced.

Category	Rate	Type	Cap
SalonCentric Purchases 4 points per $1 spent on qualifying net purchases made with the SalonCentric Credit Card at participating SalonCentric locations and online; Online Exclusives and SalonCentric Gift Card purchases are excluded.	4x	Points	No cap

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
Special Financing Offers Cardmembers may be eligible for special financing offers on qualifying purchases made with the SalonCentric Credit Card. These offers typically involve deferred interest or reduced APR for a promotional period. Specific terms, conditions, and eligibility requirements apply to each offer and are disclosed at the time of purchase or promotion.	Financing	Varies by offer

Interest Rates

Purchase APR32.24% Variable

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the purchase 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

Foreign Transaction FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $30

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 cycling, high cumulative credit limit across all Amex accounts, rapid and unexplained increases in spending, payment defaults, abuse of return policies, and triggering a financial review (FR) are common triggers for account review or shutdown.

Cliff Effect Rules

The primary 'cliff effect' is the 'one welcome bonus per card product per lifetime' rule. This means if you've ever received a welcome bonus for the specific 'saloncentric-credit-card', you are generally ineligible for it again. Amex also has rules regarding holding multiple versions of similar card products, which could impact eligibility for other Amex bonuses.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

American Express enforces a 'one welcome bonus per card product per lifetime' rule. Applicants are generally limited to a maximum of 2 credit card approvals within any 90-day period. Eligibility requires applicants to be US residents with a valid US business (including sole proprietorships), possess good to excellent personal credit, and meet Amex's income requirements. Previous holders of this specific card product are typically ineligible for the welcome bonus.

Military & Hardship

MLA Compliant

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

SCRA Benefits

Interest rate on pre-service balances capped at 6% APR during active duty, per federal SCRA requirements. No additional benefits beyond the statutory minimum are publicly disclosed by Comenity Capital Bank for this card.

Hardship Program

Hardship program available.

Bread Financial

Annual Fee

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Welcome Bonus 10,000 Points

APR 32.24% Variable

More Bread Financial Cards

SalonCentric Credit Card

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Issuer Rules & Restrictions

Quick Summary