IKEA VisaBread Financial (Comenity)
Terms checked 2026-10-12
5% back on flat-pack furniture and the TaskRabbit you hire to assemble it.
2,500 pts bonus (≈$25)AF: $0Rating: 6.0/10
Bread Financial (Comenity)
The store-card giant behind well over a hundred retail credit programs, operating as Comenity Bank and Comenity Capital Bank. Beyond private label cards it issues a growing stable of network cobrands like the IKEA Visa, Ulta Mastercard, Caesars Rewards Visa and the sleeper AAA Daily Advantage, plus its own surprisingly strong Bread Cashback and Bread Rewards American Express cards.
Application Rules
- ▸Famously trigger-happy about closing accounts for nonuse; a small recurring charge keeps cards alive
- ▸Soft credit requirements by prime standards, but starting limits are often low
- ▸No published velocity rules; multiple Comenity cards in a short window is usually fine
- ▸Periodic balance-or-close sweeps can also slash credit limits without warning
Tracked Bread Financial (Comenity) Cards
Ulta Beauty Rewards MastercardBread Financial (Comenity)
Terms checked 2026-10-12
Extra Ultamate points at Ulta, and almost nothing anywhere else.
Special bonusAF: $0Rating: 5.6/10
AAA Daily Advantage Visa SignatureBread Financial (Comenity)
Terms checked 2026-10-12
The sleeper 5% grocery card hiding behind a roadside assistance logo.
$100 bonus (≈$100)AF: $0Rating: 7.8/10
Bread Cashback American ExpressBread Financial (Comenity)
Terms checked 2026-11-02
A no-fee flat 2% on everything, riding the Amex network.
$200 bonus (≈$200)AF: $0Rating: 7.4/10
Bread Rewards American ExpressBread Financial (Comenity)
Terms checked 2026-10-12
3x on gas, groceries, dining and utilities with no annual fee.
Special bonusAF: $0Rating: 6.8/10
Caesars Rewards Visa SignatureBread Financial (Comenity)
Terms checked 2026-10-12
Instant Platinum status and Reward Credits for the Caesars casino loyalist.
10,000 pts bonus (≈$100)AF: $0Rating: 6.2/10