Bread Cashback™ American Express® Credit Card
Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.
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
Terms Apply.
Our Rating
4.6/5.0
Welcome Offer
None
Annual Fee
$0
0% Intro on Purchases
N/a
Reward Rate
2% Cash Back
0% Intro on Balance Transfers
N/a
Editorial Review
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 |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 20.74, 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 Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 06/12/2023 | Experian | ||
| Approved | 01/10/2023 | Experian | ||
| Approved | 01/17/2023 | Equifax | ||
| Approved | 01/17/2023 | Experian | ||
| Approved | 01/17/2023 | TransUnion | ||
| Approved | 02/09/2023 | Experian | ||
| Approved | 03/09/2023 | Experian | ||
| Approved | 11/21/2023 | Experian | ||
| Approved | 11/22/2023 | Experian | ||
| Approved | 02/21/2023 | Experian |
Pros & Cons
- Unlimited 2% cash back on purchases¹
- No annual fee²
- No foreign transaction fees²
- No welcome bonus
- High APR
- Requires good credit
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
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0