BR
BreadFinance · American Express

Bread Cashback American Express® Credit Card

Credit $100 Bonus 0% Intro APR · 15 mo No Foreign Fees
$0 Annual Fee
21.24%–29.24% Variable Purchase APR
$100 Welcome Bonus
670+ Recommended FICO
Browse Cards › BreadFinance › Bread Cashback American Express® Credit Card

Welcome Bonus

$100
Welcome Bonus Value
Spend $1,000 in the first 90 days

Rewards

Category Rate Type Cap
All Other Purchases
Earns 2% cash back on all eligible purchases, everywhere, every time.
 2x Cash Back No cap

Benefits & Protections

No Foreign Fees
Benefit Category Value / Coverage
24/7 Customer Service
Access to customer service representatives is available 24 hours a day, 7 days a week.
 Customer Service 24/7 access
No Annual Fee
The card does not charge an annual fee for card membership.
 Financial No annual fee
No Foreign Transaction Fees
Purchases made outside the United States are not subject to foreign transaction fees.
 Financial 0% foreign transaction fee
Unlimited 2% Cash Back
Earn unlimited 2% cash back on every eligible purchase made with the card, everywhere, every time.
 Rewards 2% cash back
Fraud Protection
The card offers protection against unauthorized charges.
 Security —
Zero Fraud Liability
Cardmembers are not held responsible for unauthorized charges made on their account.
 Security Zero liability

Interest Rates

0%
Intro Purchase APR for 15 months
0%
Intro Balance Transfer APR for 15 months
Purchase APR 21.24%–29.24% Variable
Cash Advance APR 29.99%

Fees

Annual Fee $0 — No Annual Fee
Foreign Transaction Fee None
Balance Transfer Fee Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment Fee Up to $40
Returned Payment Fee Up to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850
300 Poor 580 Fair 670 Good 740 Very Good 800+ Exceptional
Approval Difficulty Moderate
Credit Profile Good
Approval Odds Good
Decision Time Instant
Pre-Qualification Available (no hard pull)

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 2 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending, abnormal spending patterns inconsistent with stated income, frequent balance transfers or cash advances without timely repayment, high cumulative credit limit across all BreadFinance products, multiple applications in a short period (app-o-rama), failure to pay on time, or suspected fraudulent activity.
Cliff Effect Rules
Not applicable for this standalone product. However, should BreadFinance introduce a family of tiered credit card products in the future, specific rules regarding eligibility for welcome bonuses across different tiers may be implemented.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Eligibility for the Bread Cashback American Express Credit Card requires applicants to be at least 18 years of age, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate a good to excellent credit history. The welcome bonus typically offers a one-time cashback reward (e.g., $100-$200) after spending a specified amount (e.g., $500-$1,000) within the first 3 months of account opening. This offer is generally restricted to new cardmembers who have not received a welcome bonus for this specific Bread Cashback American Express Credit Card product in the past 24 months. All applications are subject to BreadFinance's credit underwriting standards. Store-specific restrictions or enhanced benefits may apply based on BreadFinance's partner network or proprietary platforms.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
Eligible active duty servicemembers may receive a reduction in interest rate to 6% on certain pre-service obligations under the Servicemembers Civil Relief Act (SCRA).
Hardship Program
Hardship program available.
BreadFinance
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
Welcome Bonus $100
APR 21.24%–29.24% Variable
Quick Summary
Annual Fee Free
Welcome Bonus $100
Intro APR 0% · 15 mo
Foreign Fees None
Min. FICO 670+
Network American Express
Card Type Credit
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