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Bread Cashback™ American Express® Credit Card review

A new 2% cashback card with no annual fee from Bread Financial.

  • Get this card if you want to earn 2% back on all purchases without worrying about earning categories.
  • Pick something else if you want bigger rewards on specific categories or an introductory offer.
  • Apply with a good credit score of 670 or greater.
Not enough reviews Write a review

Up to 2%

Cash back


Annual fee

19.74%, 27.24%, or 29.99%

Purchase APR (variable)


Recommended credit score


Annual fee$0
Welcome offerN/A
RewardsUnlimited 2% cash back on purchases
Purchase APR19.74%, 27.24%, or 29.99% variable
Balance transfer APR26.99%
Minimum credit score640

Review by

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.

Expert review

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.

How to apply for the Bread Cashback™ American Express® Credit Card

Apply for the Bread Cashback™ American Express® Credit Card by doing the following.

  1. Go to the provider’s site and select Apply now.
  2. Fill out the requested information.
  3. Hit Submit.

Bread Cashback™ American Express® Credit Card benefits

  • Earn 2% cash back. You’ll earn 2% cash back on all eligible purchases, with no reward caps or spending categories to worry about.
  • No annual fee. You’ll pay $0 to use this card.
  • American Express merchant offers. Log into your card account to access a rotating list of merchant offers that can let you earn additional cash back on select purchases.
  • Security features. The Bread Card offers several staple security features, including zero fraud liability, purchase protection and ID theft insurance.

Bread Cashback™ American Express® Credit Card drawbacks

  • No signup bonus. This card lacks a signup bonus. This is something you’ll find on several competing 2% cashback credit cards.
  • No 0% intro APR. This card also lacks an intro APR on purchases or balance transfers.
  • Potentially high APR. Depending on your creditworthiness, you can start with a 19.74%, 27.24%, or 29.99% variable APR. The industry average is 16%.

Compare cashback credit cards

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.

1 - 3 of 31
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Quicksilver Cash Rewards Credit Card
$200 cash bonus after you spend $500 on purchases within 3 months from account opening
Up to 1.5% cash back
More than an unlimited 1.5% cash back card: you'll also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).
PayPal Cashback Mastercard®
PayPal Cashback Mastercard®
Up to 3% cash back
Maximize your cashback with 3% back on all purchases when you use your card through PayPal for purchases.
DoorDash Rewards Mastercard®
DoorDash Rewards Mastercard®
$100 cash back after you spend $500 on purchases in the first 3 months
Up to 4% cash back
New card with DoorDash rewards. Get a free year of DashPass, plus earn a $100 cash bonus after you spend $500 on purchases in the first 3 months.

Bread Cashback™ American Express® Credit Card customer reviews and complaints

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.

Bottom line

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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