The Bread Cashback™ American Express® Credit Card puts more in your pocket

Earn unlimited 2% cash back on purchases when you use your Bread Cashback Card1, plus receive premium American Express benefits.2

Your Bread Cashback™ Card benefits add up

cash back on purchases
Earn 2% unlimited cash back on purchases when you use your Bread Cashback Card.¹ No rewards caps, opt-ins or categories to manage.
No annual fee
Enjoy all the benefits of an American Express card with no annual fee or Foreign Transaction Fees. Review rates, fees and more.3
Rewards your way
Redeem cash back via direct deposit or as a credit on your statement.

Bread Cashback™ Benefits from American Express

Powerful purchase protection

Items stolen or damaged? We've got you covered.²

ID theft insurance

Rest easy — we'll reimburse you in case of identity theft, credit card forgery and counterfeiting.²

Entertainment access

Get access to presale tickets for concerts, theater, sports and more, all year round.²

Dining discounts

Enjoy up to 20% off of your bill or a free appetizer at participating restaurants.²

Your Favorite Card Now Has an App

Manage your account, make a payment, and redeem your cash back, all in one place.

Visit your app store or scan the QR code



Frequently asked questions

If you’re ready to apply, go here, or select the Apply now button.

No, there is no annual fee associated with this Card.3


3Review important rate, fee, and other cost information.

No, there is no fee for using your Bread Cashback™ Card for foreign currency transactions.3


3Review important rate, fee, and other cost information.

It’s easy — purchases with your Bread Cashback™ Card will earn you 2% unlimited cash back with no rewards caps, opt-ins or categories to manage.1


1Offer is exclusive to Bread Cashback™ American Express® Credit Card members enrolled in the Bread Cashback Credit Card program. Cash back can be redeemed as statement credit or direct deposit. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please visit

With your Bread Cashback™ Card, you have the choice of requesting a statement credit or a direct deposit into a bank account. To request a statement credit, simply sign in to Account Center. For a direct deposit request, call Customer Care using the phone number on the back of your card.


Since your cash back does not expire, you can redeem it when it’s convenient for you. Please reference the Rewards Terms and Conditions for full program details.  

There is no maximum on everyday purchases. Use your Card everywhere American Express® is accepted and earn 2% cash back. Bonus cash back for special offers may have a maximum amount that can be earned as part of the promotion. Please reference the Rewards Terms and Conditions for full program details.

Cash-back rewards do not expire. Rewards are subject to Rewards Terms and Conditions.

You can visit your Account Center to activate online today or dial the number on the back of your Card. Please have your new Card and information ready. You’ll also have the opportunity to activate Cards for authorized buyers by adding the last four digits of the other Cards on the account.

You can pay your Bread Cashback™ Card bill online 24 hours a day, seven days a week in your Account Center. To avoid a late fee, your payment must be successfully submitted by 5 p.m. (ET) on or before your due date.


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