Bread Cashback™ American Express® Credit Card
Issued by Bread Financial
Earning Categories
Current Welcome Bonus
Earn a $200 cash back bonus after $1,000 in purchases in the first 90 days
Year 1 net value: +$2 (bonus − annual fee)
Maximize Your Bread Financial Cashback Points
Program Overview
Bread Financial Cashback rewards earn a flat 2% on all purchases with no categories to track. Cash back redeems as statement credit, check, or direct deposit. No annual fee and no foreign transaction fees make this a clean everyday card. Issued by Bread Financial (formerly Comenity Bank).
Earning Tips
Use for every purchase to maximize the flat 2% rate. No bonus categories to optimize — simplicity is the point.
Redemption Tips
Redeem as statement credit, check, or bank deposit. All options are equal at 1¢/point. Minimum redemption may apply — check current terms.
Card Details
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