Bread Cashback™ American Express® Credit Card

The Bread Cashback™ American Express® Credit Card offers 2% cash back on purchases without any categories to keep track of or limits on how much you can earn. It’s a great card for those who pay their balances every month and don’t want to keep track of various categories. It offers more flexibility than some cards, as you can take your 2% rewards as a direct deposit or as a statement credit, and it has no annual fee. There is no welcome bonus, however, so that’s a bit of a bummer. We dive into the details and your approval odds in this Bread Cash Back review.

All information about Bread Cashback™ American Express® Credit Card has been collected independently by allCards.com.

Welcome Offer

Our Rating

4.6/5.0

Welcome Offer

None

Annual Fee

$0

0% on Purchases

N/a

Reward Rate

2% Cash Back

0% on Balance Transfers

N/a

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection
Contactless Payments
BenefitsPurchase Protection
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance

Rewards

2% cash back
All eligible purchases
Earn 2% unlimited cash back when you use your Bread Cashback Card.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR20.74, 31.24%, or 35.24% (V) APR

What Credit Score Is Required to Get the Bread Cashback™ American Express® Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 664

Average Approved Credit Score: 757

App StatusDateCredit ScoreBureauCredit Limit
Approved06/12/2023
685
Experian
$3,500
Approved01/10/2023
664
Experian
$5,000
Approved01/17/2023
827
Equifax
$10,000
Approved01/17/2023
837
Experian
$10,000
Approved01/17/2023
837
TransUnion
$10,000
Approved02/09/2023
700
Experian
$5,000
Approved03/09/2023
724
Experian
$3,500
Approved11/21/2023
752
Experian
$6,750
Approved11/22/2023
827
Experian
$7,850
Approved02/21/2023
713
Experian
$6,000

Pros & Cons

Pros

  • Unlimited 2% cash back on purchases¹
  • No annual fee²
  • No foreign transaction fees²

Cons

  • No welcome bonus
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

Citi<sup>®</sup> Double Cash Card
Citi® Double Cash Card

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

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