# 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 Card

- **American Express benefits**, including shopping and entertainment offers

- **No annual fee** or foreign transaction fees

## 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. 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.

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!

## 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 Express

### Powerful purchase protection

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

### ID theft insurance

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

### 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.

## Frequently asked questions

### I didn’t get a pre-approved offer for the Bread Cashback Card. Can I still apply?

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

### Does the Bread Cashback® Card have an annual fee?

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

### Does the Bread Cashback® Card charge foreign transaction fees?

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

### How can I earn cash back on purchases?

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.

### How do I redeem my rewards?

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 the Bread Financial app.

### Is there a maximum amount of cash back that 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.

### Do Bread Cashback® rewards expire?

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

### How do I activate my Bread Cashback® Card after receiving it?

You can visit your Account Center to activate online today or call the number on the back of your Card.

### How do I make my Bread Cashback® Card payments?

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. Then, enjoy your rewards on your schedule.