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
Visa5% back on flat-pack furniture and the TaskRabbit you hire to assemble it.
MastercardExtra Ultamate points at Ulta, and almost nothing anywhere else.
VisaThe sleeper 5% grocery card hiding behind a roadside assistance logo.
American ExpressA no-fee flat 2% on everything, riding the Amex network.
American Express3x on gas, groceries, dining and utilities with no annual fee.
VisaInstant Platinum status and Reward Credits for the Caesars casino loyalist.