Rewards
2% cash back
Earn 2% unlimited cash back when you use your Bread Cashback Card.
Pros & Cons
Pros
- Unlimited 2% cash back on purchases¹
- No annual fee²
- No foreign transaction fees²
Cons
- No welcome bonus
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection |
| Contactless Payments | |
| Benefits | Purchase Protection |
| Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 19.74%, 27.24%, or 29.99% (V) APR |
What Credit Score Is Required to Get the Bread Cash Back
Based on data we’ve collected from public forums, a credit score of at least 670 or higher is ideal. We have seen an approval with a score as low as 613, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 05/09/2022 | Not Provided | ||
| Approved | 06/08/2022 | Experian | ||
| Approved | 06/08/2022 | TransUnion | ||
| Approved | 06/08/2022 | Equifax | ||
| Denied | 05/09/2022 | Not Provided |
What Are the Best Alternatives?
Chase Sapphire Preferred® Card
Rating
4.9
Rewards Range
1x - 5x points
Annual Fee
$95
Wells Fargo Active Cash Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0