Bread Cashback American Express® Credit Card

BreadFinance American Express Pending

Back Apply Now

6

Benefits

1

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: bread-cashback-american-express-credit-card

Issuer: BreadFinance

Card Name: Bread Cashback American Express® Credit Card

Card Type: Credit

Network: American Express

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:33

Last Scraped: Feb 03, 2026 11:18

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible active duty servicemembers may receive a reduction in interest rate to 6% on certain pre-service obligations under the Servicemembers Civil Relief Act (SCRA).

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Other Purchases 2x Cash Back Earns 2% cash back on all eligible purchases, everywhere, every time. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Customer Service 1
24/7 Customer Service
24/7 access

Access to customer service representatives is available 24 hours a day, 7 days a week.

Financial 2
No Annual Fee
No annual fee

The card does not charge an annual fee for card membership.

No Foreign Transaction Fees
0% foreign transaction fee

Purchases made outside the United States are not subject to foreign transaction fees.

Rewards 1
Unlimited 2% Cash Back
2% cash back

Earn unlimited 2% cash back on every eligible purchase made with the card, everywhere, every time.

Security 2
Fraud Protection

The card offers protection against unauthorized charges.

Zero Fraud Liability
Zero liability

Cardmembers are not held responsible for unauthorized charges made on their account.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$100

Cash Back

Requirement: Spend $1,000 in 90 days

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $10 or 5% of the amount of each balance 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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Not specified
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Bread Cashback American Express Credit Card requires applicants to be at least 18 years of age, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate a good to excellent credit history. The welcome bonus typically offers a one-time cashback reward (e.g., $100-$200) after spending a specified amount (e.g., $500-$1,000) within the first 3 months of account opening. This offer is generally restricted to new cardmembers who have not received a welcome bonus for this specific Bread Cashback American Express Credit Card product in the past 24 months. All applications are subject to BreadFinance's credit underwriting standards. Store-specific restrictions or enhanced benefits may apply based on BreadFinance's partner network or proprietary platforms.

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, abnormal spending patterns inconsistent with stated income, frequent balance transfers or cash advances without timely repayment, high cumulative credit limit across all BreadFinance products, multiple applications in a short period (app-o-rama), failure to pay on time, or suspected fraudulent activity.

Cliff Effect Rules: Not applicable for this standalone product. However, should BreadFinance introduce a family of tiered credit card products in the future, specific rules regarding eligibility for welcome bonuses across different tiers may be implemented.

Special Events: Periodic enhanced cashback offers or special financing promotions may be available for purchases made with specific BreadFinance partners or within designated merchant categories, particularly during promotional periods.

Holiday Promos: Common promotional periods include Black Friday, Cyber Monday, Christmas/New Year, Valentine's Day, Mother's Day, Father's Day, and Back-to-School seasons, potentially offering increased cashback rates or special financing.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.7 / 5.0

Top Positive:
Simple, flat 2% cash back on all purchases with no annual fee, making it a straightforward and rewarding option for everyday spending, often accessible to those with fair to good credit.

Top Negative:
Frequent complaints about customer service quality, potential limitations with American Express acceptance at some merchants, and high interest rates if a balance is carried, along with sometimes low initial credit limits.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Wells Fargo Active Cash Card
  • Fidelity Rewards Visa Signature Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $400.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0