Bread Cashback® American Express® Credit Card
A no-annual-fee cash back card from Comenity Bank.
Rates, fees, and full terms are set by Comenity Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Bread Cashback American Express is a flat 2% cash back card with no annual fee and, unusually for a 2% card, no foreign transaction fees. Cash back redeems as a statement credit or direct deposit.
That last point makes it a good travel companion where many 2% cards charge 3% abroad. The tradeoffs are no current welcome bonus and American Express acceptance, which is narrower at some merchants and overseas.
Think twice if: you shop where American Express is not widely accepted, or you want a welcome bonus.
Our 7.9 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
Every purchase earns 2% cash back with no caps or categories. Redeem as a statement credit or a direct deposit to your bank. As an Amex network card it also gets Amex Offers and access to Amex Presale tickets.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 2x | Base rate |
| Groceries | 2x | Base rate |
| Gas | 2x | Base rate |
| Travel | 2x | Base rate |
| Streaming | 2x | Base rate |
| Everything else | 2x | Everything else |
The fine print on rates: A true flat 2% card with no foreign transaction fees, which makes it useful abroad where some 2% cards charge 3%. American Express acceptance is narrower than Visa or Mastercard at some merchants.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- Unlimited 2% cash back
- No foreign transaction fees
- Cash back by statement credit or direct deposit
- No annual fee
- No current welcome bonus
- Amex acceptance is narrower at some merchants
- No bonus categories
The welcome bonus
There is no welcome bonus currently listed for this card.
First-year value vs ongoing value
| Welcome bonus | None |
| To earn it | No minimum spend |
| Est. first-year value* | $583 |
| Est. ongoing value / yr* | $583 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $583 a year on typical spending after the fee. What you see is what you get from day one.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Redeem as a statement credit or direct deposit
- Amex Offers and Amex Presale ticket access
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
Get the Bread Cashback Amex if you want a flat 2% card that also works without fees abroad.
If you need the widest acceptance, a Visa or Mastercard 2% card like the Citi Double Cash is the safer choice.
Alternatives to the Bread Cashback® American Express® Credit Card
Pairs well with
The Bread Cashback® American Express® Credit Card earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Bread Cashback® American Express® Credit Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
