bread cashback American Express credit card

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

people falling backward into swimming pool
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! That’s why when you use the Bread Cashback American Express® Credit Card, you earn unlimited 2% cash back on purchases with no categories to manage and no annual fee.2

bread cashback American Express credit card
people falling backward into swimming pool

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.

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.

 

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?