BLUEPRINT

Advertiser Disclosure

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy.

Earn 2% cash back on purchases, anywhere American Express is accepted, plus perks like presale ticket access and dining discounts.

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 50+ cards analyzed.
  • 8 data points considered.
  • 5-step fact-checking process.

About the Bread Cashback™ American Express® Card * The information for the Bread Cashback™ American Express® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Bread Cashback™ American Express® Card * The information for the Bread Cashback™ American Express® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) is a useful rewards credit card for cardholders who are on the go. It offers a flat cash-back rate of 2% cash back on purchases, anywhere in the world where Amex is accepted. 

As a cardholder, you can rack up as many reward points as you want since the program doesn’t impose an earning cap. Additionally, there’s no need to wait until you’ve earned “enough” rewards for redemption; you can redeem your earned rewards as a statement credit or cash-back direct deposit, starting with a penny. 

The Bread Cashback American Express is a good travel companion for those who frequently travel abroad. There are no foreign transaction fees imposed on international purchases, and cardholders receive select Amex travel benefits. It also might be a good card if you enjoy getting first dibs on presale ticket access for concerts, shows, and other entertainment. 

Although the Bread Cashback American Express Card might be convenient for some, thanks to the simplicity of its flat rewards model and some basic travel benefits, the card is limited when it comes to redemption options, welcome bonus incentives, and its up to 20% dining discount or free appetizer only applies to a short list of participating U.S. restaurants.

Bread Cashback American Express basics

  • Annual fee: $0.
  • Welcome bonus: None.
  • Rewards: 2% cash back on purchases.
  • APR: 20.74%, 31.24%, or 35.24% variable APR on purchases and 26.99% variable APR on balance transfers. There's a balance transfer fee of either $10 or 5% of each transfer, whichever is greater.
  • Other perks and benefits: Access to some Amex benefits, no foreign transaction fee, presale access to live events.
  • Does the issuer offer a pre-approval tool? No, but it issues pre-screened offers to select individuals.
  • Recommended credit score: Good to excellent.

Bread Cashback American Express other details

Bread Cashback American Express rewards

The Bread Cashback American Express earns 2% cash back on purchases. Additionally, you’ll have access to Amex Offers which lets you earn more cash back when you shop at select merchants.

When you’re ready to redeem your rewards, you can do so through your online account center. The program lets you redeem rewards as either a statement credit or as a direct deposit into a U.S.-based checking or savings account.

If redeeming rewards as cash or statement credit is your goal, then this card might be for you. However, you can’t transfer points to another rewards program or combine them with another Bread Cashback American Express account.

Bread Cashback American Express rewards potential

Using aggregated government and public data, we calculated the estimated rewards potential of the Bread Cashback American Express Card.

According to our estimates, the typical U.S. household that would be in the market for this credit card earns an annual income of $84,352. We estimate that credit card-based purchases throughout a year for this household would total $25,087. Assuming these factors, we estimate the Bread Cashback annual rewards potential to be:

  • $25,087 credit card spend x 2% flat cash back rate =  $501.74 in rewards potential per year. 

Bread Cashback American Express APR details

The card has a 20.74%, 31.24%, or 35.24% variable APR on purchases and 26.99% variable APR on balance transfers. There's a balance transfer fee of either $10 or 5% of each transfer, whichever is greater. Your credit score and credit history will determine the APR you’re offered if your application is approved.

Bread Cashback American Express benefits and perks

  • Unlimited rewards: There’s no limit to your earnings. You’ll continue to earn 2% cash back on purchases, worldwide.
  • Rewards don’t expire: Rewards never expire so you don’t have to worry about beating a clock to redeem them. Earn rewards at your own pace and redeem them whenever you’re ready.
  • No minimum redemption limit required: Unlike other programs that require you to have a minimum amount of its rewards currency, the Bread Cashback American Express lets you redeem points at any value — even as little as one cent.
  • No foreign transaction fees: Use your card in any country without incurring an international transaction fee on top of the purchase price. This offers flexibility for travelers who want to use the card abroad.

Bread Cashback American Express drawbacks

  • No welcome bonus: The Bread Cashback American Express card doesn’t currently offer a welcome bonus for new cardmembers.
  • Limited redemption options: The only way to redeem your reward points is by requesting a statement credit or a direct deposit into a deposit account of your choice. Rewards can’t be transferred, combined, or redeemed for anything else.
  • Limited participating U.S. restaurants for dining discount: You’ll only receive up to 20% off your dining bill, or a free appetizer, at participating U.S. restaurants. As of writing, the benefit is only available in 11 U.S. cities—most of which have less than 10 participating restaurants.
  • No app access: Managing your Bread Cashback American Express account can only be done online through the card’s Account Center. 

How the Bread Cashback American Express compares to other cash-back cards

Bread Cashback American Express vs. Citi Double Cash® Card

The no-annual-fee Citi Double Cash Card lets you earn up to 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. Like the entertainment perk from Bread Cashback, Citi Double Cash gives cardholders special access to presale tickets.

Unlike the Bread Cashback card, the Citi Double Cash comes with a 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 19.24% to 29.24%. An intro balance transfer fee of either $5 or 3%, whichever is greater, applies to transfers completed in the first 4 months. After that, the fee will be 5% of each transfer (minimum $5).

Bread Cashback American Express vs. Wells Fargo Active Cash® Card

Wells Fargo Active Cash cardholders also earn an unlimited 2% cash rewards on purchases with no annual fee, but unlike Bread Cashback holders, receive a welcome bonus, too. The Wells Fargo Active Cash Card currently offers a $200 cash rewards bonus after spending $500 in purchases in the first three months of account opening. Additionally, it comes with a 0% intro APR for the first 15 months on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro rate and fee of 3%. After that a fee of up to 5%, with a minimum of $5 applies.

Bread Cashback American Express vs. Apple Card * The information for the Apple Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Apple Card * The information for the Apple Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. marries tech with its rewards program. The card earns 3% back on Apple and participating partners, 2% when using Apple Pay and 1% on all other purchases. There’s no annual fee and you can purchase certain Apple products interest-free with a monthly payment plan using the card.

Should you get the Bread Cashback American Express?

When it comes to flat-rate cash-back rewards credit cards, Bread Cashback American Express admittedly offers a higher reward per dollar spent compared to cards that only offer 1% or 1.5% cash back. However, as the cash-back rewards market continues to grow, Bread Cashback’s unlimited 2% cash back on purchases has become more commonplace.

Overall, there aren’t necessarily any glaring red flags with the Bread Cashback American Express Card, but it’s missing enticing benefits and features to help it stand out from the crowd.

Bread Cashback American Express summary

BREAD CASHBACK AMERICAN EXPRESS DETAILS 
Annual Fee
$0
Rewards
2% cash back on purchases
APR
20.74%, 31.24%, or 35.24% variable APR on purchases and 26.99% variable APR on balance transfers. There's a balance transfer fee of either $10 or 5% of each transfer, whichever is greater
Balance transfer fee
Either $10 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
None
Major perks and benefits
Unlimited cash-back rewards, rewards don’t expire, presale tickets to entertainment, dining discounts, travel and purchase coverage protections¹

Methodology

Our credit card team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.

Some of the factors evaluated in selecting the best rewards credit cards included:

  • Rewards potential and redemption options.
  • Welcome bonuses.
  • Travel and shopping benefits.
  • Intro APRs.
  • Annual fees.

Frequently asked questions (FAQs)

Yes, Bread Financial partners with American Express to provide cardmembers with access to Bread’s cashback rewards program and American Express card benefits.

A Bread Cashback account is a part of Bread Financial’s credit card rewards program. Cardmembers can access the rewards they’ve earned on every purchase through their cashback account. There are no rewards caps and rewards points never expire.

There’s no app to manage this card. To access your Bread Cashback account, you’ll have to log in to the Account Center online. The Bread Savings app does not support the Bread Cashback American Express credit card.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

*The information for the Apple Card and Bread Cashback™ American Express® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

More than a decade covering the personal finance beat as a writer and editor. Her work has been featured on national publications like Yahoo Finance, MSN Money, TIME Money, and more.

Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.