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Bread Cashback™ American Express® Credit Card


Bread Cashback™ American Express® Credit Card
- 20.24%, 27.74%, or 31.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 31.74% variable based on the Prime Rate Cash Advance APR
At a Glance
With the Bread Cashback™ American Express® Credit Card, holders can earn 2% unlimited cash back, with no rewards caps, opt-ins, or categories to manage. The card, from Bread (formerly Alliant Data Systems/ Comenity), offers even more value for cardholders thanks to no hidden fees – including an annual fee, membership fees, or foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 2% cash back on all eligible purchases
- Regular Purchase APR: 20.24%, 27.74%, or 31.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 31.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You don’t want to pay an annual fee
- You prefer unlimited rewards to confusing categories
- You want access to Amex protections and Amex Offers
Welcome Rewards™ Mastercard®


Welcome Rewards™ Mastercard®
- 18.49%, 22.49% or 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Welcome Rewards™ Mastercard® (formerly the buybuy BABY® Mastercard®) is a rewards credit card built for anyone who shops at buybuy BABY® and their family of brands. Such brands include Bed Bath & Beyond and Harmon Face Values. If you’re entering parenthood, the buybuy BABY® Mastercard® may be an excellent credit line to use when you embark on a family journey with your baby.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% back in Rewards for every $1 spent at buybuy BABY® and their family of brands
- Earn 2% back in Rewards for every $1 spent at gas stations and grocery stores
- Earn 1% back in Rewards for every $1 spent anywhere else Mastercard® is accepted
- Earn rewards OR special financing
- 6 month special financing when you spend $250–$499.99 at buybuy BABY® and their family of brands
- 12 month special financing when you spend $500 or more at buybuy BABY® and their family of brands
- No Annual Fee
- Regular Purchase APR: 18.49%, 22.49% or 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You have a new baby or one on the way
- You plan on shopping at buybuy BABY® stores and their family of brands on a regular basis
- You want to earn Reward Dollars on all their purchases
- You're interested in special financing for budget-friendly purchases
- You want a credit card for your purchases without the added expense of an annual fee
Comenity® Mastercard® Credit Card


Comenity® Mastercard® Credit Card
- 22.74% or 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Comenity® Mastercard® Credit Card offers 1.5% cash back on all purchases, a $100 cash back introductory bonus, and more for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 1.5% cash back on all purchases
- $100 cash back when you spend $500 or more within 90 days of opening your account
- Zero Fraud Liability
- Regular Purchase APR: 22.74% or 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want a no-nonsense rewards credit card
- You prefer a basic rewards program with one redemption option
- You don’t want to pay an annual fee
Petco Pay Mastercard


Petco Pay Mastercard
- 22.24% or 31.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 32.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Petco Pay Mastercard is a is a retail and cash back card for animal lovers everywhere. The card, from Comenity, earns up to 8% back in Pals Rewards on Petco purchases, plus 2% back on groceries – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 8% Back in Pals Rewards at participating Petco locations and Petco.com
- 2% back in Pals Rewards at grocery stores
- $25 Pals Reward when you spend $500 outside of Petco in the first 90 days
- No annual fee
- Regular Purchase APR: 22.24% or 31.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the transfer, whichever is greater
- Cash Advance APR: 32.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the transaction, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You shop at Petco regularly
- You plan to finance larger Petco charges in the future
- You like the idea of making a donation with every purchase
- You do't want to pay an annual fee
PlayStation® Visa® Credit Card


PlayStation® Visa® Credit Card
- 18.74%, 24.74%, or 27.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% Balance Transfer APR
- 28.49% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months Intro Purchase APR
At a Glance
The PlayStation® Visa® Credit Card is a gaming rewards card from Comenity Bank. The no-annual-fee card offers the perfect platform for updating your gaming system, paying recurring bills, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 5X points on PlayStation or Sony purchases
- Earn 3X points on internet and cable bills
- Earn 2X points on dining
- Earn 1 point per $1 spent on all other purchases
- Intro Purchase APR: 0% for 6 months
- Regular Purchase APR: 18.74%, 24.74%, or 27.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99%
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You prefer PlayStation as your gaming ecosystem
- You're considering buying a new PlayStation 5 console
- You want a stylish card that shows your love for your favorite game series
- You don’t want to pay an annual fee for a rewards credit card
You've viewed 5 of 29 credit cards
Comenity Credit Cards
Comenity Bank is one of the largest issuers of co-branded credit cards. Comenity currently issues close to 100 co-branded credit cards, including some of the most significant names in retail. Notable Comenity Bank partners include:
- Ann Taylor
- Bed Bath & Beyond
- BI’s
- Caesars
- Ikea
- Sephora
- Toyota
- True Value
Comenity cards come in two distinct varieties: open-loop and closed-loop. Open-loop credit cards feature a payment network, like Discover, Visa, Mastercard, or American Express. These cards are usable anywhere the payment network is accepted.
Closed-loop credit cards lack a payment network like Visa, Mastercard, or others. These cards are also known as private-label or store cards, meaning they only work when making purchases with the brand – either in-store or online.
Benefits of Comenity Bank Credit Cards
Great Credit Cards for Average Credit Scores
Since the majority of Comenity cards are retail or store cards, they are excellent options for those looking to build credit. Generally, retail credit cards have lower credit score requirements, meaning those with fair or average credit scores can apply.
Those with average credit scores also have better acceptance odds with Comenity because retail cards tend to have lower credit limits. These reduced lending risks make Comenity Card options ideal for those trying to repair their credit. With on-time payments and responsible usage, Comenity offers a straightforward route to better credit card offers in the future.
Store Rewards
Retail cards, like Comenity , earn rewards with the brands that issue the cards. Comenity cards are great for those who prefer to shop at specific brands and want to earn rewards with every purchase. Store cards also offer in-store discounts, savings on shipping, and other perks, which can provide significant value for loyal shoppers.
Drawbacks of Comenity Bank Credit Cards
Because they are retail cards, Comenity Bank credit cards also have some disadvantages. These shortcomings include:
- Limited Acceptance: Store cards and closed-loop credit cards only work with one retailer. If a Comenity Bank Card lacks the Visa, Mastercard, Discover, or American Express logo, cardholders will find limited acceptability.
- Higher APR: Because store cards are available to a broader selection of credit scores, they have higher-than-aver interest rates. The average APR for a store card is in the high 20s, with some rising above 30%. These high-interest rates make Comenity Bank credit cards ineffective choices for those who plan on carrying a balance.
Browse the Best Comenity Bank Credit Cards
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