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Bread Financial's co-branded cards are available across a wide credit range. Store cards are more accessible; Mastercard options require stronger credit.
A selection of Bread Financial's most-applied-for cards. All issued through Comenity Bank or Comenity Capital Bank.
With over 160 Comenity Bank co-branded cards available, selecting the right one depends on where you shop most. Cards tied to stores you frequent regularly will deliver the highest rewards value. Look for cards that offer bonus points at the specific retailer, 0% promotional APR on purchases, and no annual fee as a baseline.
Most Comenity store-only cards accept applicants with fair credit starting around 580 FICO. Comenity Mastercard and Visa products — which can be used anywhere — typically require good credit (670+). Before applying, check your score for free at AnnualCreditReport.com and dispute any errors that may be holding your score down.
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