BR
Bread Financial

Woman Within Credit Card

Store Standard
$0 Annual Fee
29.99% Variable Purchase APR
580+ Recommended FICO
Points Reward Type
Browse Cards Bread Financial Woman Within Credit Card

Rewards

Reward TypePoints
Bonus RateUp to 2x
Point Value~0.01¢ each
ExpirationPoints expire 12 months from the date they are earned.
CategoryRateTypeCap
Woman Within Purchases 2x Points No cap
All Other Purchases
On purchases everywhere Visa is accepted
1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
There is no annual fee charged for maintaining the Woman Within Credit Card account.
Financial $0
Up to $0
Cardholder Rewards Program
Earn rewards on all eligible purchases made with your Woman Within Credit Card. Specific reward rates and redemption options are detailed in the program terms.
Rewards Varies by spend
First Purchase Discount
Receive a 20% discount on your first purchase made with the Woman Within Credit Card immediately upon account opening.
Rewards 20% off
Zero Fraud Liability
Cardholders are not held responsible for unauthorized charges made with their Woman Within Credit Card.
Security Full protection
Birthday Perk
Receive a special offer or discount during your birthday month as a Woman Within Credit Cardholder.
Shopping Varies
Exclusive Cardholder Offers
Access special sales, promotions, and discounts available only to Woman Within Credit Cardholders throughout the year.
Shopping Varies

Interest Rates

Purchase APR29.99% Variable
Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee
Foreign Transaction FeeNone
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment FeeUp to $40
Returned Payment FeeUp to $40

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-QualificationNot available
Co-ApplicantNot allowed

Issuer Rules & Restrictions

Shutdown Risk Triggers
Inactivity, excessive returns, perceived high-risk behavior, or a significant number of recent applications with Comenity can trigger account reviews or closures.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Bread Financial (Comenity) store cards like Woman Within typically offer a first-purchase discount (e.g., 20% off) upon approval, rather than a traditional sign-up bonus with a minimum spend. There are no widely documented '5/24' or 'once-per-lifetime' rules, but too many recent applications with Comenity may impact approval.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
Bread Financial (Comenity Bank) provides Servicemembers Civil Relief Act (SCRA) benefits, including a 0% interest rate on pre-service balances for eligible active-duty servicemembers.
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
RewardsPoints
Min. FICO580+
Card TypeStore
Online
Ask any doubts about cards.
Gemini 2.2 Ver