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bread cashback American Express credit card

2% cash back on purchases.1
No rewards caps.
No gimmicks.

You've got big dreams, and finances shouldn't hold you back—they should set you free!

  • Earn unlimited 2% cash back on purchases
  • No categories to manage
  • No annual fee.2

When you use the Bread Cashback™ American Express® Credit Card

Apply now
bread cashback American Express credit card
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Plus the perks
of American
Express®3

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Purchase
protection

Items stolen or damaged?
We’ve got you covered.

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Zero fraud
liability

If you’re not the one buying,
we’re not charging.

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ID theft
insurance

We’ve got the peace of mind
you’re looking for.

Apply now
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Download the App for
Your
Favorite Card

Manage your account, make
a payment,
and redeem your
cash back, all in one place.

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Your questions
answered

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How do I apply for the Bread CashbackTM American Express® Credit Card?

If you're ready to apply, go here, or select the Apply now button.

Apply now
 

Does this credit card have an annual fee?

No, there is no annual fee associated with this card.2

Does this credit card charge foreign transaction fees?

No, Bread Cashback does not charge a fee for using your Bread Cashback Card for foreign currency transactions.2

How can I earn cash back rewards?

It’s easy—when you use your Bread Cashback Credit Card, you earn 2% unlimited cash back on everyday purchases with no caps, opt-ins or categories to manage.1

How will I redeem my earned rewards?

You can sign in to Account Center to request reward redemption. There are no minimum rewards amount thresholds you need to meet and cash back does not expire. So, sign in and request your cash back rewards however and whenever it’s most convenient to you. Your Bread Cashback Card provides the choice of direct deposit or statement credit. Please reference the Rewards Terms and Conditions for full program details.

Is there a maximum amount of cash back rewards I can earn?

There is no maximum on everyday purchases. Use your card everywhere American Express is accepted and earn 2% cash back. Bonus cash back for special offers may have a maximum amount that can be earned as part of the promotion.

Please reference the Rewards Terms and Conditions for full program details.

Do Bread Cashback rewards expire?

Cash back rewards do not expire. Rewards are subject to Rewards Terms and Conditions.

Need more help?
Learn more
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1Offer is exclusive to Bread CashbackTM American Express® Credit Card holders enrolled in the Bread Cashback program. Cash back can be redeemed as statement credit or direct deposit. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/breadcashback/terms-andconditions.

2For new accounts, as of 09/2023: Variable Purchase APR of 20.74%, 31.24% or 35.24% based on your credit worthiness at the time of account opening and the Prime Rate. Balance Transfer APR of 26.99%. Variable Cash Advance APR of 35.24%, based on Prime Rate. Minimum Interest Charge is $3. Balance Transfer Fee of the greater of $10 or 5% of the transfer. Cash Advance Fee of the greater of $10 or 5% of the advance.

3Certain terms, conditions and exclusions apply. For more details, visit https://www.americanexpress.com/us/net-work/breadfinancial/breadcashback.

Credit card offers are subject to credit approval.

American Express is a registered trademark of American Express. This Card is issued by Comenity Capital Bank pursuant to a license from American Express.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc.