Bread Financial · Mastercard

Bread Financial Cashback Card

Credit

$0 Annual Fee

21.24%–31.24% Variable Purchase APR

670+ Recommended FICO

Cash Back Reward Type

Rewards

Reward TypeCash Back

Base Rate2x / 2%

Bonus RateUp to 2x

Point Value~0.01¢ each

Travel Portal1x

ExpirationCash back rewards do not expire as long as your account is open and in good standing.

Category	Rate	Type	Cap
Top Spend Category Earn 5% cash back on eligible net purchases made in your top spend category each billing cycle, up to $2,000 in purchases. The top spend category is determined by Bread Financial based on your eligible net purchases during each billing cycle from the following categories: Gas Stations, Groceries, Restaurants, Travel, Utilities, Online Shopping, Home Improvement Stores, Drugstores, Streaming Services, Fitness Clubs.	5x	Cash Back	No cap
All Other Purchases Earn unlimited 2% cash back on every purchase, everywhere.	2x	Cash Back	No cap

Benefits & Protections

Purchase Protection

Benefit	Category	Value / Coverage
Free FICO® Score Access Access your FICO® Score for free.	Account Management	Free access
Mobile App Account Management Manage your account, view transactions, and make payments with the Bread Financial mobile app.	Account Management	Mobile app access
Digital Wallet Compatibility Add your card to your digital wallet for easy and secure payments.	Convenience	Compatible with digital wallets
No Annual Fee The Bread Financial Cashback American Express Card has no annual fee.	Financial	No fee Up to $0
Unlimited 2% Cash Back Earn unlimited 2% cash back on every purchase, everywhere, every time.	Rewards	2% cash back
Zero Fraud Liability You are not responsible for unauthorized charges made with your card.	Security	Full protection
$100 Statement Credit Welcome Offer Earn a $100 statement credit after you spend $1,500 in the first 90 days.	Welcome Offer	$100 statement credit Up to $100

Interest Rates

Purchase APR21.24%–31.24% Variable

Balance Transfer APR31.24%

Cash Advance APR31.24%

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 4% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision Time1-3 days

Pre-QualificationNot available

Student EligibleNo

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Amex products, rapid spending on new accounts, unusual spending patterns inconsistent with declared income, abuse of welcome offers (churning), not paying bills on time, excessive credit utilization, frequent balance transfers to other issuers, or suspected fraud.

Cliff Effect Rules

The primary cliff effect for the 'bread-cashback-amex' is the 'one welcome bonus per card per lifetime' rule, meaning once you've received a bonus for this specific card, you are ineligible for it again. While American Express has broader 'family rules' for certain product lines (e.g., Blue Cash, EveryDay) that might restrict bonuses across similar cards, this specific co-branded card is primarily governed by its individual lifetime bonus eligibility.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Applicants must be 18 years or older, have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a good to excellent credit history. Eligibility for the welcome bonus is restricted to new cardmembers who have not previously held this specific card, adhering to American Express's 'one welcome bonus per card per lifetime' rule. Furthermore, American Express enforces a '2/90 rule', limiting applicants to a maximum of two credit card approvals within any 90-day period.

Bread Financial

Annual Fee

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You will be redirected to the issuer's secure website.

APR 21.24%–31.24% Variable

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