Bread Financial · American Express · personal · Cash back
Bread Financial
Bread Cashback
AMEX
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$0
annual fee
0%
foreign txn fee
$0
credits/yr realistic ($0 face)
Earning
| Everything else
'Unlimited 2% cash back on purchases' — 'no rewards caps, opt-ins or categories to manage'
|
2% | 2% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
None.
Benefits
- No foreign transaction fees — Cardholder agreement (printed Sept 2026): Foreign Transaction Fee 'None'.
- No annual fee — Cardholder agreement: Annual Fee 'None'.
- American Express purchase protection — Issuer page lists 'American Express purchase protection'; limits are in the Amex network benefits guide (lookup by card BIN at experiencesbenefits.com).
- ID theft insurance — Issuer: 'reimburse you in case of identity theft, credit card forgery and counterfeiting'.
- Amex Offers, Amex Experiences / presale tickets, travel offers — Amex network perks: Amex Offers, Amex Presale/Reserved Tickets, offers on flights, hotels and rental cars.
Protections
| purchase protection | American Express purchase protection (listed on issuer page; days/limits not published there) |
Notes
Issued by Comenity Capital Bank (Bread Financial) on the American Express network. Flat 2% on everything, no caps; rewards never expire; redeem as statement credit or direct deposit. No welcome bonus (none on issuer page; Doctor of Credit also reports none). APR 18.99%-33.49% as of 06/2026. Rental car, extended warranty and cell phone coverage are not detailed on the issuer page — check the Amex network benefits guide. Web-verified 2026-09-08 against https://www.breadfinancial.com/en/bread-financial-cashback-card.html and https://d.comenity.net/legaldocs/breadcashback/legal-documents/cca.