Bread Cashback American Express® Credit Card
Basic Information
Program ID: bread-cashback-american-express-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: American Express
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:33
Last Scraped: 01/15/2026 10:03
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $250.00
Spending Requirement: $1,500.00
Time Period: 180 days
Bonus Timing: Cash back will be applied to your account within 1-2 billing cycles after meeting the spending requirement.
Rewards Program
Reward Type: Points (redeemable for cashback)
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Groceries, 3x Gas, 3x Online Shopping
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Bread Cashback American Express Credit Card in 2026 typically requires applicants to be at least 18 years old, a U.S. resident, and possess a good to excellent credit score (generally FICO 670+). Applicants must also demonstrate sufficient income to meet credit obligations. The welcome bonus, often structured as 'Earn $200 cashback after spending $1,000 in the first 3 months of account opening,' is generally available only once per specific card product per lifetime, or within a specified period (e.g., 24-48 months) if they previously held the card. Store-specific restrictions and enhanced benefits apply, which may include exclusive discounts or bonus cashback categories at designated retail partners. All applications are subject to BreadFinance's credit approval process.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., gift card reselling, excessive payment app usage), high cumulative credit limit across BreadFinance products, rapid account opening and closing (churning), abuse of return policies, frequent balance transfers without new spending, consistent late payments, or any activity deemed fraudulent or inconsistent with normal consumer spending patterns.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.9 / 5.0
Top Positive Feedback:
Consistent 2% unlimited cashback on all purchases with no annual fee, making it a straightforward and rewarding option for everyday spending.
Top Negative Feedback:
Concerns regarding Comenity Bank's customer service and the card's lack of additional premium benefits often associated with American Express branded cards.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Wells Fargo Active Cash Card
- Fidelity Rewards Visa Signature Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 95% General / 5% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2024.02