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Introductory benefits:
none
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Normal APR:
15.74%, 23.24%, or 27.24%
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Recommended credit score:
670-850 (good to very good)
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Strong Points
- Earn 2% flat cash back on every purchase
- No annual fee
- No foreign transaction fees
- Amex benefits available
Cons
- No welcome offer
- high APR
- Limited Redemption of Rewards
- No buy or balance transfer introduction APR offers
Conclusion
The Bread Cashback American Express Credit Card offers a seamless way to earn 2% cash back with no annual fee. While there are some cardholder perks like dining discounts and purchase protection, the card also comes with the welcome bonuses and referral perks of his APR found in many of the best cashback cards on the market today. There is none.
Additional card details
- 15.74% to 27.24% variable APR based on creditworthiness
- Comes with access to Amex offers
- Purchase protection against damage and theft
- Secondary auto rental coverage
- Access to entertainment via Amex
- Accessing Amex Offers
- Up to 20% off your bill or a free appetizer at participating restaurants via Resy
Full Pan Cashback American Express Credit Card Review
card type
The Bread Cashback American Express Credit Card is a cashback credit card and one of the few options that offers a flat 2% cash back with no annual fee.
Annual fee
There is no annual fee for the Bread Cashback American Express credit card.
welcome offer
The Bread Cashback American Express Credit Card does not have a welcome offer of any kind. This is a drawback compared to other flat cashback options.
Referral offer
The Bread Cashback American Express credit card, unlike many other cashback credit cards, has no introductory APR for purchases or balance transfers.
reward
Cardholders earn unlimited 2% cash back on every purchase with no limits or categories to track.
commission
With no annual fees or foreign transaction fees, the card’s ongoing APR ranges from 15.74% to 27.24% based on creditworthiness. Both direct debits and cash advances are subject to a 5% fee, with a minimum of $10. Fees up to $41 may be charged for late or refunded payments.
other advantages
This card comes with access to Amex offers that can be used to get discounts or cashback on certain purchases if you activate the offers before the purchase is made.
Another Amex perk is a 20% discount on your bill or a free appetizer at participating restaurants through a partnership between Amex and Resy. You can check out participating restaurant locations and deals on the American Express website. Unfortunately, outside of major U.S. cities, not many restaurants enjoy these benefits. And even in metropolitan areas, there are few options.
You also get purchase protection against damage or theft for 90 days after purchase. This is up to $1,000 per loss and up to $50,000 per cardholder account every 12 months. In addition, you receive secondary auto rental coverage (coverage up to $50,000 per rental) as travel coverage.
Pan Cashback Benefits American Express Credit Card
If you want to earn 2% cash back with no annual fee or foreign transaction fees, consider getting a Bread Cashback American Express credit card. The card is also a good option if you want to enjoy his Amex benefits such as Amex offers, such as discounts and perks when shopping at participating restaurants and retailers.
Disadvantages of Pan Cashback American Express Credit Card
Bread Cashback American Express credit cards have some major drawbacks, especially compared to similar cash back credit cards. No welcome offer when signing up. Also, we never refer his APR of 0% on purchases or balance transfers.
When you look at other no annual fee credit cards, they often offer 0% annual interest on purchases, balance transfers, or both for a limited time. In most cases, you will be offered a welcome offer of at least $150-$200 if you can meet the minimum spending requirements within the first few months.
Finally, many cashback credit cards let you redeem rewards for flexible options like gift cards, merchandise, and travel in addition to cashback.
Bread Cash Back How to Use American Express Credit Cards
When you sign up for a Bread Cashback American Express credit card, use your card for all purchases and charges to maximize your rewards and earn as much cash back as possible over time with a 2% cash back rate. .
However, as with any card, plan to pay your balance in full each month and don’t overcharge. If you have a balance, this card’s very high APR (15.74% to 27.24% based on credit) will cost you much more than the 2% cash reward.
If you plan to make big purchases, the purchase protection benefits of this card will help. The Bread Cashback American Express Credit Card retail warranty covers damage or theft for up to 90 days from the date of purchase. You will also be reimbursed up to $1,000 per loss and up to $50,000 per cardholder account every 12 months.
Compare Bread Cashback American Express credit card with other cards
- Introductory benefits:
none
- Normal APR:
15.74%, 23.24%, or 27.24%
- Recommended credit:
670-850 (good to very good)
- learn more on our partner’s secure site
Wells Fargo ActiveCash® Card
- Introductory benefits:
- Annual fee:
$0
- Normal APR:
17.99%, 22.99%, or 27.99% variation APR
- Recommended credit:
670-850 (good to very good)
- APPLY NOW Wells Fargo secure site See our rates and fees.
Chase Freedom Unlimited®
- Introductory benefits:
Earn an extra 1.5% cashback
- Annual fee:
$0
- Normal APR:
17.99% – 26.74% change
- Recommended credit:
670-850 (good to very good)
- APPLY NOW On Chase’s secure site
Is the Bread Cashback American Express Credit Card Right for You?
editorial independence
like all of us credit card reviewour analysis is not influenced by partnerships or advertising relationships.
If you want 2% cashback with no annual fee, this card is a solid option. Other benefits from Amex, such as access to Amex offers, access to early ticket advance sales, and restaurant discounts from Resy, may also make the card more attractive.
That said, there are other reward cards with the same rate, no fees, and plenty of ways to redeem welcome offers, referral APRs, and rewards.
Before you apply, be sure to compare all available options before making a decision. From rewards credit cards to other no annual fee cashback cards, compare rewards and perks that fit your spending habits and goals.
Frequently Asked Questions (FAQ)
Are foreign transaction fees charged for Bread Cashback American Express credit cards?
Bread Cashback American Express credit cards do not charge foreign transaction fees.
How do I redeem rewards with my Bread Cashback American Express credit card?
You can redeem your rewards for cashback or statement credit.
Is the Bread Cashback American Express Credit Card a metal credit card?
The Bread Cashback American Express Credit Card is not a metal credit card.
Which banks issue the Bread Cashback American Express credit card?
Although operated by the American Express Card Network, the Bread Cashback American Express credit card is issued by Community Bank.
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