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 | 20.24%, 27.74%, or 31.74% (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.
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 a number of factors in their underwriting process, and these factors can change at any time.
| 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 | 02/09/2023 | Experian | ||
| Approved | 09/19/2022 | Not Provided | ||
| Approved | 06/08/2022 | Equifax | ||
| Approved | 10/07/2022 | Experian | ||
| 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