Bread Financial Rewards American Express® Credit Card

BreadFinance American Express Pending

Back Apply Now

10

Benefits

5

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

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

Issuer: BreadFinance

Card Name: Bread Financial Rewards American Express® Credit Card

Card Type: Credit

Network: American Express

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:37

Last Scraped: Feb 06, 2026 18:24

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 5 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gas 3x Points Purchases at gas stations No Cap
Groceries 3x Points Purchases at grocery stores No Cap
Dining 3x Points Purchases at restaurants No Cap
Retail Stores 2x Points Purchases at retail stores No Cap
All Other Purchases 1x Points All other eligible purchases not falling into bonus categories No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x Bread Financial purchases

Quarterly Rotating: No

Expiration Policy: Points expire 24 months after the billing cycle in which they were earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of 2,500 points.

Benefits & Protections (Detailed) 10 Total
PENDING
Financial 2
No Annual Fee
$0

The credit card does not charge an annual fee.

No Foreign Transaction Fees
0% fee

No fees are charged on purchases made in foreign currencies or outside the United States.

Financial Management 1
Free FICO® Score Access
Free

Cardmembers can access their FICO® Score for free.

Rewards 5
Base Rewards Earning
2X points per $1 spent

Earn 2X points on all eligible purchases made with the card, everywhere, every time.

Unlimited Points Earning
Unlimited

There is no limit to the total number of points you can earn with the card.

Non-Expiring Points
Points do not expire

Earned points do not expire for the life of the account.

Flexible Points Redemption
Statement credits, gift cards, merchandise

Redeem earned points for various options including statement credits, gift cards, and merchandise.

Statement Credit Redemption Value
1,000 points = $10 statement credit

Points can be redeemed for statement credits at a rate of 1,000 points for $10.

Security 1
Zero Fraud Liability
0% liability

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

Welcome Offer 1
Welcome Bonus Points
10,000 bonus points

Earn 10,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening.

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
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%

Cash Advance APR: 31.24%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 months

Promo Financing: Deferred Interest

⚠️ If you do not pay the promotional balance in full by the end of the promotional period, interest will be charged to your account from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: As of 2026, specific rules for this card are projected based on current Bread Financial (formerly Comenity) and American Express practices. Eligibility typically requires applicants to be 18 years or older (19 in AL and NE, 21 in PR), possess a valid U.S. SSN or ITIN, have a verifiable physical U.S. address, and demonstrate sufficient income. A good to excellent credit score is generally expected for American Express network cards. Bonus offers usually require meeting a minimum spend within a specified timeframe (e.g., 'Spend $X,000 in the first 3 months to earn Y points/cashback'). Store-specific restrictions apply, meaning certain benefits, rewards, or redemption options may be limited to or enhanced at particular retail partners. Bread Financial reserves the right to deny applications based on creditworthiness, existing account relationships, or other internal criteria.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Bread Financial accounts, frequent balance transfers without new spend, abuse of return policies, suspicious spending patterns, failure to pay on time, opening too many accounts in a short period (velocity), breaching terms and conditions.

Cliff Effect Rules: Bread Financial generally does not have complex 'family' rules like major banks (e.g., Chase 5/24). However, eligibility for specific product lines or multiple identical cards may be restricted. Bonus eligibility for this card may be limited to once per lifetime or once every X years, similar to American Express's own policies, though this is an issuer-specific decision by Bread Financial.

Special Events: Seasonal sales, loyalty program member events, Black Friday, Cyber Monday, holiday promotions, anniversary sales, and other retailer-specific promotional periods.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday season, Valentine's Day, Mother's Day, Father's Day, Back-to-School.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent 3X points on groceries, gas, and dining for a no-annual-fee card, coupled with a good welcome bonus and standard Amex network benefits like fraud protection.

Top Negative:
Inconsistent customer service and app experience from Bread Financial, standard point value (1 cent per point), and potential Amex acceptance limitations at some smaller merchants.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Blue Cash Everyday® Card from American Express
  • Chase Freedom Unlimited®
  • Citi Custom Cash℠ Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $440.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0