Earn more, redeem more. Get your Bread Cashback® American Express® Credit Card.

Earn more, redeem more. Get your Bread Cashback® American Express® Credit Card.

 

  • Unlimited 2% cash back on purchases when you use the Bread Cashback® American Express® Credit Card1

 

  • American Express benefits, including shopping and entertainment offers2

 

  • No annual fee or foreign transaction fees3
Accept a pre-approved offer Apply now
Select "Accept a pre-approved offer" if you are responding to a direct mail or email offer for the Bread Cashback® American Express® Credit Card. Offers may vary.

Your Bread Cashback® Card rewards add up

2%
cash back on purchases
Earn 2% unlimited cash back on purchases when you use your Bread Cashback Card.¹ No rewards caps, opt-ins or categories to manage.
No annual fee
Enjoy American Express Network Benefits with no annual fee or foreign transaction fees.3
Rewards your way
Redeem your cash back when it’s convenient for you — as a statement credit or by direct deposit. Your rewards never expire!
Rewards Terms and Conditions

Bread Cashback® Credit Card Awards

Best 2% Cash Back Card WalletHub 2025

Best No Foreign Transaction Fee Card WalletHub 2025

Bread Cashback® benefits from American Express2

Powerful purchase protection

Eligible items stolen or damaged? We've got you covered.²

ID theft insurance

Rest easy — we'll reimburse you in case of identity theft, credit card forgery and counterfeiting.²

Amex Experiences™

Enjoy all that Amex has to offer across music, theater, sports, and more.

Amex Offers

Make everyday purchases more rewarding with Amex Offers at places you like to shop, dine, travel, and more.

Ready to start earning cash back?

Accept a pre-approved offer Explore benefits

Manage your account easily, even on the go

Download the Bread Financial Mobile App to redeem cash back, make a payment, or check account activity.

Visit your app store or scan the QR code.

Frequently asked questions

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Thank you for your interest in applying. Currently, you can only apply if you have received a pre-approved offer from Bread Financial.

No, there is no annual fee associated with this Card.3

 

3Review important rate, fee, and other cost information.

No, there is no fee for using your Bread Cashback® Card for foreign currency transactions.3

 

3Review important rate, fee, and other cost information.

It’s easy — purchases with your Bread Cashback® Card will earn you 2% unlimited cash back with no rewards caps, opt-ins or categories to manage.1

 

1Offer is exclusive to Bread Cashback® American Express® Credit Card members enrolled in the Bread Cashback Credit Card 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 visit comenity.net/breadcashback/termsandconditions.

With your Bread Cashback® Card, you have the choice of requesting a statement credit or a direct deposit into a bank account. Simply sign in to Account Center or the Bread Financial app.

 

Since your cash back does not expire, you can redeem it when it’s convenient for you. Please reference the Rewards Terms and Conditions for full program details.  

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.

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

You can visit your Account Center to activate online today or call the number on the back of your Card. Please have your new Card and information ready. You’ll also have the opportunity to activate Cards for authorized buyers by adding the last four digits of the other Cards on the account.

You can make a Bread Cashback® Card payment online, 24 hours a day, seven days a week, in Account Center. To avoid a late fee, your payment must be successfully submitted by 5 p.m. ET on or before your due date.

 

 

  

 

Enjoy the rewards!

With the Bread Cashback® American Express® Credit Card, you can earn unlimited 2% cash back on purchases.1 Then, enjoy your rewards on your schedule.
Accept a pre-approved offer

 

1Offer is exclusive to Bread Cashback® American Express® Credit Card members enrolled in the Bread Cashback Credit Card 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. Please reference the Rewards Terms and Conditions for full program details.

 

2Certain terms, conditions, and exclusions apply. For more details, visit American Express.

 

3For new accounts, as of 02/26: Variable Purchase APR of 18.99% to 33.49% based on your credit worthiness at the time of account opening and the Prime Rate. Balance Transfer APR of 18.99% to 33.49%. Variable Cash Advance APR of 33.49%, 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.

 

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Google Play and the Google Play logo are trademarks of Google Inc.

 

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.