Bread Financial American Express® Credit Card
Basic Information
Program ID: bread-financial-american-express-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: American Express
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:36
Last Scraped: 01/15/2026 10:06
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: | N/A |
| 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: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: Disclaimer: Details for January 2026 are not publicly available for a 'Bread Financial American Express Credit Card' as it is not a standard, widely-marketed product by Bread Financial (who typically issue co-branded cards). The following categories are speculative based on common credit card offerings: 3x on Dining, 2x on Gas & Groceries, 1x on all other eligible purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Speculative: Points typically do not expire as long as the account is active and in good standing. However, specific terms for 2026 are unknown.
Transfer Partners: Speculative: Bread Financial typically offers proprietary rewards programs, not direct transfer partners like major airline/hotel programs. No known transfer partners for this hypothetical card.
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
Issuer Rules
Rules: Eligibility for the Bread Financial American Express Credit Card in 2026 requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to Bread Financial's credit approval standards (typically good to excellent credit for optimal offers). Applicants must not have received a welcome bonus for this specific card product within the last 24 months. New cardmembers are generally eligible for a welcome bonus (e.g., $100 statement credit or 10,000 reward points) upon spending a specified amount (e.g., $500) within the first 3 months of account opening. Store-specific restrictions apply to reward earning and redemption, meaning certain purchases or partner locations may have different earning rates or exclusions. Bonus offers are typically once per lifetime for this specific product.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking, high cumulative credit limit across Bread Financial products, repeated bonus churning, failure to adhere to terms and conditions, suspicious transaction patterns, or late/missed payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Simple, flat-rate rewards on all purchases; no annual fee; Amex Offers access is a nice perk.
Top Negative Feedback:
Customer service can be inconsistent; rewards redemption might be limited compared to other Amex cards; not a premium card.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One Quicksilver Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0