Ford Launches New Credit Card With Bread Financial
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Managing Editor Automaker Ford has partnered with Bread Financial to launch a new co-branded credit card. The $0-annual-fee Ford Rewards Visa Signature card is different from the FordPass Rewards Visa credit card, which was discontinued in May 2025.
Compared to co-branded cards from other carmakers, the Ford Rewards Visa is one of the better ones. For starters, it’s the rare card with two welcome offers: a $100 statement credit after spending $1,500 within 90 days of account opening, and 15,000 points (worth $75) when you make a single purchase within the same time frame.
The Ford Rewards Visa also earns solid ongoing rewards on Ford purchases and in several everyday categories:
- Up to 16 points per $1 spent on Ford.com and eligible Ford dealership service purchases. (Cardholders get 6 points for spending with the Ford Rewards Visa and 10 points for being a Ford Rewards member; more on that below.)
- 6 points per $1 spent on grocery stores, restaurants, gas, EV charging, auto insurance, tolls and parking.
- 2 points per $1 spent on all other purchases.
There’s no cap on the amount of points you can earn, but points expire after 18 months of account inactivity.
The value of one point may vary depending on the redemption option. They can be redeemed for Ford service, Ford accessories, Ford parts, Ford connected services, and toward the purchase or lease of a new or Certified Blue Advantage used vehicle at any participating Ford dealership.
Most credit cards simply need to be activated in order to start earning rewards. The Ford Rewards Visa adds another step. To earn rewards, cardholders must join the Ford Rewards loyalty program and activate a rewards account within 60 days of qualifying activity on the Ford Rewards Visa. New members can join Ford Rewards online at FordRewards.com or in the Ford app.
The Ford Rewards Visa also gives cardholders the ability to pay off certain purchases over time through Bread’s installment loan program, Bread Pay. However, this option may be financially risky depending on the terms of the loan that you qualify for. The loan term can be a short as three months while the interest rate can be as high as nearly 35%, as of this writing.
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