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Up to 2%
19.74%, 27.24%, or 29.99%
Purchase APR (variable)
Recommended credit score
Steven Dashiell is a senior personal finance writer at Finder, specializing in all things banking and credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their banking rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured in U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living, among other top publications.
The Bread Cashback™ American Express® Credit Card is much like its doughy namesake suggests: simple and unshowy. It earns 2% cash back on all purchases with no reward caps and no spending categories. It also costs $0 annually and features an APR of 19.74%, 27.24%, or 29.99% variable depending on your credit score.
A few short years ago, the emergence of a 2% cashback card to the market would have been much more noteworthy given the thin 2% card market. But as of 2022, consumers have a sizable share of such cards to pick from, as well as category cards stuffed to the brim with additional flat-rate categories, perks and other goodies. If you’re going to launch a 2% cashback card these days, the card needs to have a little extra oomph to differentiate it from the other 2% cards on the market.
Unfortunately, the Bread Cashback™ American Express® Credit Card is lacking a unique feature that helps it stand out. You won’t find a signup bonus on the card like you’ll find on the Wells Fargo Active Cash℠ Credit Card, and the Bread Card also lacks a 0% intro APR offer on balance transfers, something you’ll find on the Citi® Double Cash Card.
None of this is to say the Bread Card is a poor choice. If you’re only concerned about earning 2% back on your purchases, it works just as well as the competing cards I mentioned. But in a market where card features can result in hundreds of dollars in value, the Bread Card’s simplicity is more of a hindrance than an asset.
Apply for the Bread Cashback™ American Express® Credit Card by doing the following.
For a better idea of where the Bread Card stands against the competition, select up to four credit cards and select Compare for a feature breakdown of each.
Bread Financial is a newer company and customer reviews of the provider as well as the Bread Card aren’t yet available. We’ll update this space after the Bread Card has some time in consumer hands.
At heart, there’s nothing at all wrong with the Bread Cashback™ American Express® Credit Card and it can prove a valuable addition to your wallet if you need a flat cashback card. However, carefully review your cashback card choices — there are many 2% cashback cards on the market with additional features or bonuses that can result in some added value to your bottom line.
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