Bed Bath & Beyond Mastercard®
Bread Financial
No Annual Fee
Annual Fee
mastercardFair → Goodno-annual-fee5 months ago
Welcome Offer
No Welcome Offer
OpenCard analysis
Is the Bed Bath & Beyond Mastercard right for you?
The Bed Bath & Beyond Mastercard is a no-annual-fee rewards card from Bread Financial. Its strongest everyday earning is 5x on Bed Bath & Beyond Purchases, with 1x on most other purchases. With no fee, the question is simply whether 5x on Bed Bath & Beyond Purchases beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on Bed Bath & Beyond Purchases, where it earns 5x
- ✓ Anyone who wants Bed Bath & Beyond Purchases rewards without paying an annual fee
Who should skip it
- — Heavy spenders outside Bed Bath & Beyond Purchases — everything else earns 1x
First-year value estimate
Welcome bonus
$0
Rewards on spending
$240
Annual fee (year 1)
−$0
Year 1, before credits
$240
Year two, without the welcome bonus: about $240 before credits ($240 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in Bed Bath & Beyond Purchases (5x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- No welcome bonus is listed in our record, so none is counted.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-27.
How it compares
Amex Cash Magnet →
American Express, same $0 annual fee; earns 1.5x on everything.
American Express EveryDay →
American Express, same $0 annual fee; earns 2x on U.S. gas stations.
Apple →
Goldman Sachs, same $0 annual fee; earns 3x on Apple Purchases.
Frequently asked questions
- Does the Bed Bath & Beyond Mastercard have an annual fee?
- No. Our record lists a $0 annual fee for the Bed Bath & Beyond Mastercard.
- What does the Bed Bath & Beyond Mastercard earn?
- 5x on Bed Bath & Beyond Purchases, and 1x on other purchases.
- Is the Bed Bath & Beyond Mastercard worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in Bed Bath & Beyond Purchases), the first year comes out around $240 before credits, including a welcome bonus valued at $0. Year two drops to about $240 before credits.
- What credit do I need for the Bed Bath & Beyond Mastercard?
- Our record lists "Fair to Good" credit as the typical target for the Bed Bath & Beyond Mastercard. Bread Financial makes the final decision based on its own criteria.
Earning Rates
5×Bed Bath & Beyond Purchases5% cash back on Bed Bath & Beyond purchases
1×All Other Purchases1% cash back on all other purchases
Insurance
Rental InsuranceSecondary
Purchase Protection
Extended Warranty
Sources
Last Updated: Apr 27, 2026