Rate and Fee Summary

This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Bread Cashback™ American Express® Credit Card Account. Read it and keep it.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
19.74% to 34.24%, based upon your creditworthiness.
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
19.74% to 34.24%, based upon your creditworthiness.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
34.24%
This APR will vary with the market based on the Prime Rate.
Paying Interest
Your due date is at least 21 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. We will begin charging interest on balance transfers and cash advances on the transaction date.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $3.00.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
None
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction
Either $10 or 5% of the amount of each transfer, whichever is greater.
Either $10.00 or 5.0% of the amount of each cash advance, whichever is greater.
None
Penalty Fees
• Late Payment
• Returned Payment
Up to $41.00
Up to $41.00

How We Will Calculate Your Balance: We use a method called “daily balance (including current transactions).” Review your Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.

If you have been preapproved, see below for details of your offer.

You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See Prescreen & Opt-out Notice below for more information about prescreened offers.

Prescreen & Opt-Out NoticeThis “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 505, Woodlyn, PA 19094; Equifax, PO Box 740123, Atlanta, GA 30374; SageStream, LLC, PO Box 503793, San Diego, CA 92150; Innovis, PO Box 495, Pittsburgh, PA 15230-0495.

Important Information for Covered Borrowers under the Military Lending Act

ImportantFor New Accounts- Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account)

To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418; (TDD/TTY: 1-888-819-1918).

I am applying to Comenity Capital Bank for, and hereby request, a Bread Cashback™ American Express® Credit Card for personal, family or household use. I hereby authorize Comenity Capital Bank to investigate my credit record. The information that I have supplied is true and correct. I agree that a credit report may be obtained for any lawful purpose, including in connection with the processing of an application, or subsequently with the update, renewal or extension of credit. Upon my request, I will be informed of whether or not a consumer credit report was ordered, and if it was, I will be given the name and address of the consumer-reporting agency that furnished the report. I agree to be bound by the terms of the Bread Cashback™ American Express® Credit Card account agreement. I acknowledge that I will receive a Bread Cashback™ American Express® Credit Card account agreement upon approval. I also acknowledge that there is no agreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and accepts the Bread Cashback™ American Express® Credit Card account agreement at its office in Utah and that the Bread Cashback™ American Express® Credit Card account agreement is deemed to be made in Utah. American Express® Credit Card are issued and credit is extended by Comenity Capital Bank, Salt Lake City, Utah.

Please note:

By submitting this credit application, you are agreeing to the following with respect to certain consumer information about you.

You hereby authorize Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to Bread Cashback™ American Express® Credit Card. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Bread Cashback™ American Express® Credit Card.

Check your information before submitting. We cannot process any submission without a complete and accurate name, address, date of birth and social security number. By submitting this Application you are acknowledging having read and understood the Important Rate, Fee and Other Cost Information and, if approved, agreeing to be bound by them.