Bread Rewards American Express® Credit Card

BreadFinance American Express Pending

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5

Benefits

3

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

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

Issuer: BreadFinance

Card Name: Bread Rewards American Express® Credit Card

Card Type: Credit

Network: American Express

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:34

Last Scraped: Feb 02, 2026 17:20

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Bread Financial complies with SCRA, offering protections like interest rate limitations (max 6% on pre-service obligations), protection from default judgments, and lease termination rights for eligible servicemembers.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gas 2x Points Eligible purchases at gas stations. No Cap
Groceries 2x Points Eligible purchases at grocery stores. No Cap
All Other Purchases 1x Points All other eligible purchases not categorized as gas stations or grocery stores. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Financial 2
No Annual Fee
$0

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

Introductory 0% APR on Purchases and Balance Transfers
0% APR for 15 months

Enjoy a 0% introductory Annual Percentage Rate (APR) on new purchases and balance transfers for the first 15 months. After the introductory period, a variable APR will apply.

Rewards 2
Everyday Rewards Earning
2X points per dollar

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

Flexible Point Redemption
Varies by redemption option

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

Travel 1
No Foreign Transaction Fees
0%

Avoid additional charges on purchases made 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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual 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: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Earn 25,000 Bread Rewards points after spending $2,000 on eligible purchases within the first 3 months of card membership. Points are redeemable for BreadFinance store credit, travel, or statement credits. Applicants must be 18 years or older (19 in AL and NE, 21 in PR), a U.S. resident, and possess a good to excellent credit score. This welcome offer is not available to applicants who have or have had this specific card or any other BreadFinance co-branded American Express card in the past 7 years. Store-specific restrictions apply to point redemption and bonus category eligibility.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all American Express products, abuse of return policies, excessive credit seeking in a short period, sudden uncharacteristic spending patterns, non-payment or late payments, suspected fraud, or violation of American Express's terms of service.

Cliff Effect Rules: American Express's 'once per lifetime' rule applies to the welcome bonus for this card. Eligibility for the welcome offer is restricted if you have previously held this specific card or any other BreadFinance co-branded American Express credit card within the last 7 years. This rule is designed to prevent repeated bonus acquisition within the same card family or co-brand partnership.

Special Events: Exclusive early access to BreadFinance seasonal sales, double points on BreadFinance purchases during member-only events, and complimentary shipping on all BreadFinance online orders.

Holiday Promos: Black Friday/Cyber Monday (November), Holiday Shopping Season (December), Valentine's Day (February), Mother's Day (May), Father's Day (June), Back-to-School (August).

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Users appreciate the straightforward 2X points on all eligible purchases, the no annual fee, and the flexible redemption options including cash back. The welcome bonus is also a significant draw for new cardholders.

Top Negative:
Some users report inconsistent customer service experiences and wish for more premium benefits or category-specific bonuses. The card may not offer the same prestige or extensive perks as cards from larger issuers.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash Card
  • American Express Blue Cash Everyday Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $300.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Jul 30, 2024 05:34