# Earn up to 3X Points using the Bread Rewards™ American Express® Credit Card1 Everyday spending is more rewarding when you use your Bread Rewards™ Card. Earn points on your purchases: - **3X** points at gas stations and grocery stores, plus dining and utility purchases1 - **1X** points per $1 spent on all other purchases1 - **25%** extra points every billing cycle you make 20 or more purchases2 ## Earn unlimited points on everyday purchases using your Bread Rewards™ Card 3X Earn 3X points on gas station, grocery store, dining and utility purchases1 1X Earn 1x points per $1 spent on all other purchases1 +25% extra points +25% extra points every billing cycle you make 20 or more purchases on your Bread Rewards Card2 No annual fee Enjoy American Express Network Benefits with no annual fee or foreign transaction fees.4 Rewards your way Redeem your points for statement credits, travel, gift cards, merchandise and more. ## Bread Rewards™ benefits from American Express³ ### Purchase protection Trustworthy coverage on damaged, lost or stolen eligible items. ### Zero fraud liability Feel secure every time you shop. ### Amex Offers Make everyday purchases more rewarding with Amex Offers at places you like to shop, dine, travel, and more. ### Amex Experiences™ Enjoy all that Amex has to offer across music, theater, sports, and more. ### Emergency assistance Troubles while traveling? Cardmembers can access a 24-hour emergency hotline. ### Booking.com hotel discounts Make the most of your travels with up to 30% off select hotels through Booking.com. ### Travel accident insurance Enjoy extra peace of mind when traveling. ## Your favorite Card is now in the Bread Financial App Manage your account, make a payment, and redeem your rewards, all in one place. **Ready to download?** Visit your app store or scan the QR code: ## Frequently asked questions ### Does the Bread Rewards™ Card have an annual fee? +- No, there is no annual fee associated with this card.4 ### Does the Bread Rewards™ Card charge foreign transaction fees? +- No, Bread Rewards does not charge a fee for using your Bread Rewards™ Card for foreign currency transactions.4 ### How can I earn rewards? +- It’s easy. You can use your Bread Rewards™ Card to earn 3X in reward points on gas station, grocery store, dining and utility purchases as well as 1X on all other purchases.1 +25% extra points every billing cycle you make 20 or more purchases on your Bread Rewards Card.2 ### How can I redeem my rewards? +- You can sign in to Account Center to request reward redemption. Rewards do not expire. So, sign in and request your rewards however and whenever it’s most convenient to you. Your Bread Rewards™ Card points can be redeemed for statement credits, gift cards, travel, merchandise and more. Please reference the Rewards Terms and Conditions for full program details. ### Is there a maximum amount of rewards I can earn? +- There is no maximum on everyday purchases. Please reference the Rewards Terms and Conditions for full program details. ### Do Bread Rewards points expire? +- Rewards do not expire. Rewards are subject to Rewards Terms and Conditions. ### If I’ve already received my Bread Rewards™ Card, how can I activate it? +- You can visit your Account Center to activate online today or dial 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. ### How can I pay my Bread Rewards™ Card bill? +- You can pay your Bread Rewards™ Card bill online 24 hours a day, 7 days a week in your Account Center. To avoid a late fee, your payment must be successfully submitted by 5:00 p.m. (ET) on or before your due date. 13 Points for each $1.00 of Net Eligible Purchases made at gas stations, grocery stores, and for dining and utilities. 1 Point for each $1.00 of Net Eligible Purchases made everywhere else American Express® is accepted. Offer is exclusive to Bread Rewards™ American Express® Credit Card holders enrolled in the Bread Rewards program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Bank does not have the ability to control assignment of merchant codes. Grocery stores excludes wholesale clubs. Dining excludes food delivery services. Utilities are limited to electric, gas, water and sanitary services. This rewards program is provided by Comenity Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see 2For bonus earnings, the purchase must post prior to the end of the bonus event. Offer is exclusive to Bread Rewards™ American Express® Credit Card holders enrolled in the Bread Rewards program. This rewards program is provided by Comenity Bank and its terms may change at any time. Please reference the Rewards Terms and Conditions for full program details. 3Certain terms, conditions, and exclusions apply. For more details, visit American Express. 4For 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. Variable Balance Transfer APR of **18.99%** to **33.49%**, based on Prime Rate. 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. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. 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 Bank pursuant to a license from American Express.