Bread Cashback™ American Express® Credit Card

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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.

Welcome Offer

Features & Benefits

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 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	706	Not Provided	$2,800
Approved	06/08/2022	613	Experian	$3,000
Approved	06/08/2022	650	TransUnion	$3,000
Approved	02/09/2023	700	Experian	$5,000
Approved	09/19/2022	738	Not Provided	$7,000
Approved	11/21/2023	752	Experian	$6,750
Approved	06/08/2022	621	Equifax	$3,000
Approved	10/07/2022	683	Experian	$3,500
Denied	05/09/2022	730	Not Provided	---

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