Rewards
Pros & Cons
- Unlimited 2% cash back on purchases¹
- No annual fee²
- No foreign transaction fees²
- 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