BR
Bread Financial

Sterling Family Jewelers Credit Card

Store Standard
$0 Annual Fee
29.99% Variable Purchase APR
620+ Recommended FICO
Browse Cards Bread Financial Sterling Family Jewelers Credit Card

Rewards

CategoryRateTypeCap
Sterling Family Jewelers 1x Points No cap
All Other Purchases 1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
The credit card does not charge an annual fee for card membership.
Financial $0
Up to $0
Special Financing Offers
Access to special financing promotions on qualifying purchases made at Sterling Family Jewelers. Specific terms (e.g., 0% APR for X months) vary by promotion.
Financial Varies by promotion
Fraud Protection
Advanced security measures are in place to protect your account from unauthorized use.
Security
Zero Fraud Liability
You are not held responsible for unauthorized charges made with your card.
Security
Exclusive Cardholder Offers
Receive special discounts, promotions, and exclusive offers available only to Sterling Family Jewelers Credit Cardholders.
Shopping Varies

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 plan balance is not paid in full within the promotional period. Minimum monthly payments are required.

Fees

Annual Fee $0 — No Annual Fee
Foreign Transaction FeeNone
Late Payment FeeUp to $41
Returned Payment FeeUp to $41

Approval & Eligibility

620 Recommended minimum FICO · Range 620–700
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileFair
Approval OddsGood
Decision TimeInstant
Pre-QualificationNot available
Student EligibleYes
Co-ApplicantNot allowed
Business EligibleYes
Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Shutdown Risk Triggers
Excessive applications across Comenity in a short period, defaulting on payments, unusual spending patterns inconsistent with typical store purchases.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Comenity store cards, like Sterling Family Jewelers, typically offer an initial discount on the first purchase or special financing options. There are no widely documented churning rules, and approval is generally easier, though multiple recent applications across Comenity can sometimes lead to denials.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
0% APR on pre-service balances during active duty.
Hardship Program
Hardship program available.
Bread Financial
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 29.99% Variable
Quick Summary
Annual Fee Free
Min. FICO620+
Card TypeStore
Online
Ask any doubts about cards.
Gemini 2.2 Ver