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Explore Cashback

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A closer look, side by side.

Fees, rewards, and benefits — with room to see the differences.

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Bread Financial Bread Cashback AMEX
Bread Financial
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Annual fee$0
Foreign txn fee0%
RewardsCash back
Credits (realistic / face)$0 / $0
Earning by category
Everything else 2% 2%
Protections
rental car—
cell phone—
purchase protectionAmerican Express purchase protection (listed on issuer page; days/limits not published there)
extended warranty—
trip cancellation—
trip delay—
baggage delay—
return protection—
Benefits
No foreign transaction fees✓ No foreign transaction fees
No annual fee✓ No annual fee
Purchase protection✓ American Express purchase protection
Other✓ ID theft insurance