Bread Rewards American Express® Credit Card
Basic Information
Program ID: bread-rewards-american-express-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: American Express
Card Tier: Rewards
Data Complete: Yes
Created: 01/10/2026 09:34
Last Scraped: 01/15/2026 10:04
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater (maximum $100) |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater (maximum $100) |
| 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: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $30,000.00
Spending Requirement: $2,000.00
Time Period: 90 days
Bonus Timing: Points will typically be posted to your account within 8-12 weeks after the spending requirement is met.
Rewards Program
Reward Type: Membership Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Flights (booked directly with airlines or amextravel.com), 5x Prepaid Hotels (booked on amextravel.com), 3x Dining, 3x Supermarkets (on up to $6,000 in purchases per calendar year), 1x on all other eligible purchases.
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: Aer Lingus, Air Canada, Air France-KLM, ANA, Avianca, British Airways, Cathay Pacific, Delta, Emirates, Etihad, Hawaiian Airlines, Iberia, JetBlue, Qantas, Singapore Airlines, Virgin Atlantic, Choice Hotels, Hilton Honors, Marriott Bonvoy.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Bread Rewards American Express Credit Card requires applicants to be at least 18 years old (21 in some states), a U.S. resident with a valid SSN or ITIN, and possess a good to excellent credit score (typically 670+ FICO) with sufficient income. New cardmembers can earn a sign-up bonus (e.g., X points or $Y cash back) after spending $Z within the first 3 months of account opening. Store-specific restrictions apply, meaning bonus points or enhanced rewards may be limited to purchases made at BreadFinance partner merchants or specific categories, and redemption options may be tied to the BreadFinance ecosystem. Applicants are generally limited to receiving one sign-up bonus for this specific card product every 24 months.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance products, repeated bonus churning, excessive returns, sudden large transactions inconsistent with historical spending patterns, late payments, defaulting on other BreadFinance financial products, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Consistent 2% rewards on all purchases, no annual fee, simple redemption options, good for everyday spending.
Top Negative Feedback:
Customer service can be inconsistent, potentially high APR for some users, limited premium benefits compared to other Amex cards.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Fidelity Rewards Visa Signature Card
- PayPal Cashback Mastercard
Card Value Score: 70.0 / 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: January 2024