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You are here: Home / Credit Cards / Bread Cashback™ American Express® Credit Card

Bread Cashback™ American Express® Credit Card

August 29, 2022 by Gail Kellner

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.

Bread Cashback™ American Express® Credit Card
Learn More
Our Rating
4.6/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
None
Rewards Rate
2% Cash Back
0% on Balance Transfers
None

Rewards

2% cash back
All eligible purchases
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

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

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR19.74%, 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 StatusDateCredit ScoreBureauCredit Limit
Approved05/09/2022
706
Not Provided
$2,800
Approved06/08/2022
613
Experian
$3,000
Approved06/08/2022
650
TransUnion
$3,000
Approved06/08/2022
621
Equifax
$3,000
Denied05/09/2022
730
Not Provided
---

What Are the Best Alternatives?

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

Read Review
Wells Fargo Active Cash Card
Wells Fargo Active Cash Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

Read Review
Citi® Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Read Review

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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