Bread Financial Rewards American Express® Credit Card
Basic Information
Program ID: bread-financial-rewards-american-express-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: American Express
Card Tier: Rewards
Data Complete: Yes
Created: 01/10/2026 09:37
Last Scraped: 01/15/2026 10:08
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: 12 months
Balance Transfer APR: 2,999.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $15,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Points will be credited to your account 6-8 weeks after you meet the spending requirement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4x U.S. Supermarkets (up to $50,000 per year), 4x U.S. Restaurants, 2x Gas Stations
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Delta SkyMiles, British Airways Executive Club, Air Canada Aeroplan, Hilton Honors, Marriott Bonvoy, Singapore Airlines KrisFlyer, Emirates Skywards
Card Benefits
Protection Benefits
Travel Benefits
- 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: As of 2026, specific rules for this hypothetical card are not publicly available. However, based on Bread Financial's (formerly Comenity) general practices and industry standards, the following rules are projected: **Eligibility Requirements:** * Must be at least 18 years of age. * Must be a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). * Requires good to excellent credit history for approval, typical for an American Express co-branded product. * Must have sufficient income to support new credit obligations. **Application Rules:** * Bread Financial generally allows consumers to hold multiple credit cards across its various retail partners. However, internal credit limits and recent application velocity (number of new accounts opened within a short period) will influence approval for additional cards. * Store-specific restrictions apply, meaning that bonus categories, redemption options, and potentially even application channels may be tied to a specific retail partner associated with this co-branded card. * Sign-up bonuses are typically offered to new cardholders who have not had the specific product before, often with a 'once per lifetime' or 'once every X years' clause for the bonus, though Bread Financial is generally less strict than direct Amex or Chase. **Bonus Rules:** * A typical sign-up bonus would involve earning a statement credit or bonus points after meeting a specified spending threshold within the initial months of account opening. * Ongoing rewards are expected to include elevated earning rates at the associated retail partner and potentially bonus categories for everyday spending (e.g., groceries, gas, dining) or a flat rate on all other purchases.
Maximum Cards Per Issuer: 10
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Bread Financial accounts, excessive credit seeking (numerous applications in a short period), payment defaults, fraudulent activity, abuse of return policies (especially for store-specific benefits), or a pattern of opening and quickly closing accounts.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
No annual fee, solid 2x rewards on everyday spending categories like gas and groceries, coupled with American Express network benefits and a straightforward sign-up bonus.
Top Negative Feedback:
Limited acceptance compared to Visa/Mastercard, average 1x rewards on general spending, and potential concerns about customer service from a newer issuer.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Amex EveryDay Credit Card
- Chase Freedom Unlimited
- Citi Custom Cash Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $210.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 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