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|
|Travel Perks||Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance|
Interest Rates & Fees
|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|
What Are the Best Alternatives?
Chase Sapphire Preferred® Card
1x - 5x points
Wells Fargo Active Cash® Card
Citi® Double Cash Card - 18 month BT offer
1% to 2%