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.

Our Rating
4.6/5.0

Welcome Offer

Annual Fee
$0

0% on Purchases

Reward Rate
2% Cash Back

0% on Balance Transfers

Welcome Offer

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 a number of factors in their underwriting process, and these factors can change at any time.

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
Approved02/09/2023
700
Experian
$5,000
Approved09/19/2022
738
Not Provided
$7,000
Approved11/21/2023
752
Experian
$6,750
Approved06/08/2022
621
Equifax
$3,000
Approved10/07/2022
683
Experian
$3,500
Denied05/09/2022
730
Not Provided
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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 - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

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