BR
Bread Financial · Mastercard

World Market Credit Card

Co-branded Standard
$0 Annual Fee
29.99% Variable Purchase APR
600+ Recommended FICO
Cash Back Reward Type
Browse Cards Bread Financial World Market Credit Card

Rewards

Reward TypeCash Back
Base Rate0.01x / 0.01%
Bonus RateUp to 0.05x
Point Value~0.01¢ each
ExpirationRewards expire 12 months from the date they are earned if not converted to a Rewards Certificate. Rewards Certificates expire 90 days from issuance.
Redemption NotesRewards can only be redeemed for World Market store credit; no cash value. Rewards Certificates are single-use, non-transferable, and cannot be combined with other offers.
CategoryRateTypeCap
World Market Purchases
Earns 5 points per $1 spent at World Market stores, worldmarket.com, Cost Plus World Market stores, and costplusworldmarket.com. Points are not earned on gift cards, purchases made with third-party payment accounts (e.g., PayPal, Apple Pay), alcohol where prohibited, tobacco, services, taxes, fees, or returned items.
5x Points No cap
All Other Purchases
Earns 1 point per $1 spent everywhere else Visa credit cards are accepted. Points are not earned on gift cards, purchases made with third-party payment accounts (e.g., PayPal, Apple Pay), alcohol where prohibited, tobacco, services, taxes, fees, or returned items.
1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
There is no annual fee charged for maintaining the World Market Credit Card account.
Financial $0
Up to $0
Special Financing Offers
Take advantage of special financing promotions on qualifying purchases made with your World Market Credit Card.
Financial Varies
Special Birthday Offer
Receive a special offer or discount during your birthday month as a World Market Credit Cardholder.
Lifestyle Varies
$10 Reward for 1,000 Points
Receive a $10 reward certificate for every 1,000 points accumulated. Reward certificates expire 90 days after issuance.
Rewards $10 per 1,000 points
Up to $10
5x Points on World Market Purchases
Earn 5 points for every $1 spent on qualifying purchases made at World Market stores and online.
Rewards 5x points
Zero Fraud Liability
You are not responsible for unauthorized charges made with your World Market Credit Card.
Security Up to 100% protection
20% Off First Purchase
Get 20% off your first purchase made with your new World Market Credit Card.
Shopping 20% off
Exclusive Cardholder Offers
Access to exclusive savings events, discounts, and special promotions available only to World Market Credit Cardholders.
Shopping Varies

Interest Rates

Purchase APR29.99% Variable
Min. Interest Charge$2
Deferred Interest Warning: Interest will be charged from the purchase date if the promotional purchase is not paid in full by the end of the promotional period.

Fees

Annual Fee $0 — No Annual Fee
Authorized User FeeFree
Foreign Transaction FeeNone
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 $41

Approval & Eligibility

600 Recommended minimum FICO · Range 600–720
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileFair
Approval OddsGood
Decision TimeInstant
Pre-QualificationNot available
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers
Rapid accumulation of multiple Comenity cards, high credit utilization across Comenity accounts, payment defaults, or suspected fraudulent activity.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Comenity Bank generally allows multiple credit cards per customer, focusing on overall creditworthiness rather than strict velocity rules like Chase's 5/24. The World Market Credit Card typically offers an initial discount on the first purchase (e.g., 15% off) rather than a traditional points-based welcome bonus with complex eligibility rules.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
6% APR cap on pre-service balances during active duty, as per SCRA legal minimums.
Hardship Program
Hardship program available.
Bread Financial
$0
Annual Fee
Apply Now
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APR 29.99% Variable
Quick Summary
Annual Fee Free
RewardsCash Back
Min. FICO600+
NetworkMastercard
Card TypeCo-branded
Online
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Gemini 2.2 Ver