BR
Bread Financial · Mastercard

Your Tuition Solution Credit Card

Co-branded Standard
$0 Annual Fee
29.99% Variable Purchase APR
670+ Recommended FICO
Browse Cards Bread Financial Your Tuition Solution Credit Card

Rewards

CategoryRateTypeCap
Purchases at Your Tuition Solution 2x Points No cap
All Other Purchases 1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
Online Account Management
Access your account 24/7 online to view statements, make payments, track rewards, and manage your account details securely.
Financial Complimentary
Paperless Statements
Opt-in for electronic statements to receive your monthly billing information digitally, reducing paper waste and providing convenient access.
Financial Complimentary
Customer Service Support
Access to dedicated customer service representatives via phone or online for assistance with account inquiries, technical support, and general questions.
Other Complimentary
Everyday Rewards Earning
Earn 1 point for every $1 spent on eligible purchases made with your Your Tuition Solution Credit Card.
Rewards 1 point per $1
Rewards Redemption for Statement Credit
Redeem accumulated points for statement credits, typically at a rate of 1,000 points for a $10 statement credit, which can be applied towards your credit card balance.
Rewards 1,000 points = $10 statement credit
Account Alerts
Receive customizable email or text alerts for important account activities, such as purchases, payments due, or when your balance exceeds a set limit.
Security Complimentary
Identity Theft Resolution Services
Assistance is available if you become a victim of identity theft, including help with notifying credit bureaus and replacing compromised documents.
Security Complimentary
Zero Fraud Liability
You are protected against unauthorized charges made with your card or account information, ensuring you are not held responsible for fraudulent activity.
Security Full protection

Interest Rates

Purchase APR29.99% Variable
Balance Transfer APR29.99%
Cash Advance APR29.99%
Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee
Foreign Transaction Fee3%
Balance Transfer FeeEither $10 or 5% of the amount of each 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 $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsGood
Decision TimeInstant
Pre-QualificationAvailable (no hard pull)
Student EligibleYes
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers
Suspected fraud, defaulting on payments, unusual spending patterns, high credit utilization across all cards.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Comenity (Bread Financial) cards, including Your Tuition Solution, typically do not offer traditional welcome bonuses with specific eligibility rules like those from major banks. Instead, the primary benefit is often special financing options. Approval is based on the applicant's creditworthiness and internal underwriting criteria, without widely documented restrictions like 'once-per-lifetime' or 'X new accounts in Y months' for bonus eligibility.
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 reduced to 6% per year during active duty.
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
Min. FICO670+
NetworkMastercard
Card TypeCo-branded
Online
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