Bread Financial American Express® Credit Card

BreadFinance American Express Pending

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4

Benefits

4

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

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

Issuer: BreadFinance

Card Name: Bread Financial American Express® Credit Card

Card Type: Credit

Network: American Express

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:36

Last Scraped: Feb 03, 2026 11:20

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Groceries 2x Points Eligible net purchases at U.S. supermarkets (MCC 5411). No Cap
Gas 2x Points Eligible net purchases at U.S. gas stations (MCC 5541, 5542, 5983). No Cap
Dining 2x Points Eligible net purchases at U.S. restaurants (MCC 5811, 5812, 5813, 5814). No Cap
All Other Purchases 1x Points All other eligible net purchases. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

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

Lifestyle 1
American Express Experiences and Offers
Access to exclusive events and savings

Access to exclusive American Express Experiences, including presale tickets and reserved seating for events, and Amex Offers for savings at various merchants.

Rewards 1
Cash Back Rewards
2% cash back

Earn 2% cash back on every eligible purchase made with the card, everywhere, every time. There are no rotating categories or spending caps on the cash back earned.

Travel 1
No Foreign Transaction Fees
0% foreign transaction fee

Cardholders will not be charged any fees on purchases made in foreign currencies or outside the United States.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
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% - 31.24%

Balance Transfer APR: 31.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 720
Good
Not specified
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

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, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate good to excellent creditworthiness. Applicants should not have any recent bankruptcies and must not exceed Bread Financial's internal card limits. A welcome bonus is typically offered upon meeting a specified minimum spending requirement within the first few months of account opening. Store-specific restrictions apply, meaning certain benefits, rewards, or promotional offers may only be valid at Bread Financial's partner merchants or specific retail locations.

Max Cards Per Issuer: 2

Min Spend Interval: 6 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all issuers, excessive credit seeking, frequent balance transfers without genuine spending, abuse of return policies, suspicious spending patterns (e.g., large gift card purchases, round numbers), failure to update income, or violation of terms of service.

Cliff Effect Rules: The American Express 'once per lifetime' rule for welcome bonuses is generally applicable to this specific product, meaning you may only receive the welcome bonus for this card once. Additionally, Bread Financial may have internal rules limiting the number of co-branded cards or credit products you can hold with them, potentially impacting eligibility for future Bread Financial-issued cards.

Special Events: Exclusive discounts during partner store sales events, early access to new product launches, birthday rewards, special financing offers on qualifying purchases, and enhanced rewards during specific promotional periods (e.g., double points on certain categories).

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season (November-December), Valentine's Day, Mother's Day, Father's Day, Back-to-School season (July-August), and various seasonal sales throughout the year.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Access to American Express network benefits and potentially easier approval for those building credit or seeking a general-purpose Amex card.

Top Negative:
Concerns about customer service, high interest rates, and potentially low credit limits, common with issuer's other products.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Amex EveryDay Credit Card
  • Discover it Cash Back
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: May 15, 2024 00:00