topic Re: Comenity Mastercard Changing to AMEX in Credit Cards

Comenity Mastercard Changing to AMEX

chuckwood — Thu, 27 Jul 2023 18:38:11 GMT

I recieved a letter today that my comenity card is changing to a bread rewards amex card in september . The rewards are also changing now earning 3% on Gas, Grocery and Utilities and 1% on everything else.

Re: Comenity Mastercard Changing to AMEX

FireMedic1 — Thu, 27 Jul 2023 18:47:31 GMT

Yep.Not bad:

https://www.breadfinancial.com/en/bread-rewards-credit-card.html

Re: Comenity Mastercard Changing to AMEX

yzerman — Thu, 27 Jul 2023 19:28:51 GMT

@chuckwood wrote:
I recieved a letter today that my comenity card is changing to a bread rewards amex card in september . The rewards are also changing now earning 3% on Gas, Grocery and Utilities and 1% on everything else.

I received the same notice. Nice rewards and it is distinct from the Bread Cashback Amex which is a 2% cashback on all purchases card. I will have both now which I think makes a good combo. Bread Financial is rolling out some interesting new products.
Edit: 3% on dining also included

Re: Comenity Mastercard Changing to AMEX

Anonymous — Thu, 27 Jul 2023 23:22:15 GMT

@yzerman wrote:
@chuckwood wrote:
I recieved a letter today that my comenity card is changing to a bread rewards amex card in september . The rewards are also changing now earning 3% on Gas, Grocery and Utilities and 1% on everything else.
I received the same notice. Nice rewards and it is distinct from the Bread Cashback Amex which is a 2% cashback on all purchases card. I will have both now which I think makes a good combo. Bread Financial is rolling out some interesting new products.
Edit: 3% on dining also included

And the 25% extra for 20+ transactions is also nice. Breaking a grocery shop into several small transactions is easy, especially at self checkout and if there aren't lines behind you

Re: Comenity Mastercard Changing to AMEX

nwa479 — Fri, 28 Jul 2023 12:47:30 GMT

That's great news. I was just thinking my Comenity card is stuck at 1.5% CB so I won't use it as much in the future. This will be a good change. I'm assuming we still manage the card through Bread Financial and they are just using the Amex network.

Re: Comenity Mastercard Changing to AMEX

yzerman — Fri, 28 Jul 2023 13:10:30 GMT

@nwa479 wrote:
That's great news. I was just thinking my Comenity card is stuck at 1.5% CB so I won't use it as much in the future. This will be a good change. I'm assuming we still manage the card through Bread Financial and they are just using the Amex network.

Correct the card will be issued by Bread Financial, not Amex. Unfortunately it does not appear that a dedicated app is in the works.

Re: Comenity Mastercard Changing to AMEX

SUPERSQUID — Fri, 28 Jul 2023 18:19:03 GMT

I just got the letter from them in todays mail. On september 16th my comenity mastercard becomes the Bread Amex rewards. I will definetly use this card more since it rivals savor for 3 pct cb on groceries plus this new card has 3 pct cb on utilities, sweet.

Re: Comenity Mastercard Changing to AMEX

CB106 — Fri, 28 Jul 2023 22:53:07 GMT

So I received my letter today as well.

Question: I have a Bread Amex with a $ 4k limit and Comenity Mastercard with a $ 5.5k limit. Would I be able to combine these limits since essentially it would be the same card? I just don't want to get another Bread Amex. I guess I'll wait until I get the new card.

Any thoughts?

Re: Comenity Mastercard Changing to AMEX

yzerman — Fri, 28 Jul 2023 23:04:09 GMT

@CB106 wrote:
So I received my letter today as well.

Question: I have a Bread Amex with a $ 4k limit and Comenity Mastercard with a $ 5.5k limit. Would I be able to combine these limits since essentially it would be the same card? I just don't want to get another Bread Amex. I guess I'll wait until I get the new card.

Any thoughts?

I don't know about combining limits but the two cards are significantly different. The Bread Cashback Amex card that you have now is a straight 2% card with no categories. The Bread Rewards Amex that you will be getting is a 3% card on gas, groceries, dining and utilities. 1% on everything else.

Re: Comenity Mastercard Changing to AMEX

Guyatthebeach — Sat, 29 Jul 2023 04:50:49 GMT

@chuckwood ,

Great call. As someone that uses my Bread cards often, I think this is a solid card.

Guyatthebeach

Re: Comenity Mastercard Changing to AMEX

SUPERSQUID — Sat, 29 Jul 2023 07:50:52 GMT

@Guyatthebeach wrote:
@chuckwood ,
Great call. As someone that uses my Bread cards often, I think this is a solid card.

Guyatthebeach

I am in the same boat as you since I also have the Bread cb Amex, the card referenced here is a new card starting sept 16th with a similar name but different perks. If you have the comenity cb mastercard 1.5 cb it is being discontinued and in its place they are giving the new Bread Amex rewards which gives 3 pct cb on 4 categories where the Bread cb Amex is a 2 pct across the board card

Re: Comenity Mastercard Changing to AMEX

IantoJones — Sat, 29 Jul 2023 17:46:56 GMT

Important note:

"Grocery stores excludes wholesale clubs.

Dining excludes food delivery services.

Utilities are limited to electric, gas, water and sanitary services."

So, for me this will be worthless (utilities listed are included in my rent).

So keeping my cell on AppleCard @3% makes more sense.

For groceries, it won't include Costco (so I'm better using BMO, Venmo, or AppleCard).

For dining it won't include delivery services (and C1 Savor currently has 10% cb on UberEats/3% normally).

I'm disappointed!

Re: Comenity Mastercard Changing to AMEX

toddc — Sat, 29 Jul 2023 19:56:03 GMT

I also got the same letter, I barely if ever used my comenity mastercard the 1.5 cb is useless especially with things like paypal and venmo offering 3% and discover doing their 5% categories. Funny thing I've applied for bread amex card several times and been denied, but now they're going to give me a similar card, oh well I'll take it maybe ill actually use it once in awhile now.

Re: Comenity Mastercard Changing to AMEX

madmann26 — Sat, 29 Jul 2023 22:18:50 GMT

I got my letter today.

Re: Comenity Mastercard Changing to AMEX

coldfusion — Wed, 06 Sep 2023 17:19:05 GMT

My physical card arrived today, Bread certainly went out of their way to make sure I would be aware that it wasn't to be activated and used until 8AM September 16th lol

Re: Comenity Mastercard Changing to AMEX

Anonymous — Wed, 06 Sep 2023 18:05:19 GMT

@coldfusion wrote:
My physical card arrived today, Bread certainly went out of their way to make sure I would be aware that it wasn't to be activated and used until 8AM September 16th lol

Live on the edge and try it at 7:58am. "Sorry, your card was declined" [coldfusion checks time] "Try it again now"

Re: Comenity Mastercard Changing to AMEX

SUPERSQUID — Wed, 06 Sep 2023 18:29:53 GMT

@coldfusion wrote:
My physical card arrived today, Bread certainly went out of their way to make sure I would be aware that it wasn't to be activated and used until 8AM September 16th lol

Yes, mine came today via regular mail, the 16th is a Saturday.

Re: Comenity Mastercard Changing to AMEX

coldfusion — Sat, 16 Sep 2023 11:55:57 GMT

@Anonymous wrote:
@coldfusion wrote:
My physical card arrived today, Bread certainly went out of their way to make sure I would be aware that it wasn't to be activated and used until 8AM September 16th lol
Live on the edge and try it at 7:58am. "Sorry, your card was declined" [coldfusion checks time] "Try it again now"

Activated successfully at 7:53 AM

Re: Comenity Mastercard Changing to AMEX

nwa479 — Sat, 16 Sep 2023 15:41:28 GMT

I activated mine at 7:15am (but central time so really 8:15). I used it twice this morning, once for breakfast (3%) and the other at Walmart just to confirm it's probably not grocery, so it'll be 1%.

My next question is will the statement date stay the same? Or will this report to the credit bureaus earlier. I'm going to keep my purchase totals small just in case it reports early. My normal statement date is around the 25th. So I think Ill need the 20 transactions by that date to get the 25% bonus. I should have no problem getting to the $750 threshold.

Interesting how cards can evolve. This card started as a $500 Wayfair card I got with a soft pull using the shopping cart trick. They converted it to the Comenity MC at $1250, and its now up to $7500 CL. I think my last CLI was in April, so after the next couple of months as an Amex card I'll try the CLI button again.

Also, I added the card image to my signature below. I took one of the upright images and rotated it, then cropped out the white space.

Re: Comenity Mastercard Changing to AMEX

UncleB — Mon, 18 Sep 2023 03:32:47 GMT

@nwa479 wrote:
Interesting how cards can evolve. This card started as a $500 Wayfair card I got with a soft pull using the shopping cart trick. They converted it to the Comenity MC at $1250, and its now up to $7500 CL. I think my last CLI was in April, so after the next couple of months as an Amex card I'll try the CLI button again.

That's an interesting evolution, indeed!

I have a fun one as well. Back in 2007 I opened an Orchard Bank (HSBC) Mastercard with a $300 credit line. It later became a Quicksilver One, then a Quicksilver (no AF), then a Venture One, then finally a Savor WEMC that's grandfathered with no AF (credit line $6500). I'm still scratching my head how a rather 'meh' card eventually became one that's quite desirable, haha.