Frequently asked questions
Thank you for your interest in the Bread Rewards™ Card. This Card is currently available by invitation only.
No, there is no annual fee associated with this card.4
4Review important rate, fee, and other cost information.
No, Bread Rewards does not charge a fee for using your Bread Rewards™ Card for foreign currency transactions.4
4Review important rate, fee, and other cost information.
It’s easy. You can use your Bread Rewards™ Card to earn 3% in reward points on gas station, grocery store, dining and utility purchases as well as 1% on all other purchases.1
You can sign in to Account Center to request reward redemption. Rewards do not expire. So, sign in and request your rewards however and whenever it’s most convenient to you. Your Bread Rewards™ Card points can be redeemed for statement credits, gift cards, travel, merchandise and more. Please reference the Rewards Terms and Conditions for full program details.
There is no maximum on everyday purchases. Please reference the Rewards Terms and Conditions for full program details.
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 Rewards™ Card bill online 24 hours a day, 7 days a week in your Account Center. To avoid a late fee, your payment must be successfully submitted by 5:00 p.m. (ET) on or before your due date.
1Offer is exclusive to Bread Rewards™ American Express® Credit Card holders enrolled in the Bread Rewards program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Bank does not have the ability to control assignment of merchant codes. Grocery stores excludes wholesale clubs. Dining excludes food delivery services. Utilities are limited to electric, gas, water and sanitary services. This rewards program is provided by Comenity Bank and its terms may change at any time. Please reference the Rewards Terms and Conditions for full program details.
2For bonus earnings, the purchase must post prior to the end of the bonus event. Offer is exclusive to Bread Rewards™ American Express® Credit Card holders enrolled in the Bread Rewards program. This rewards program is provided by Comenity Bank and its terms may change at any time. Please reference the Rewards Terms and Conditions for full program details. Extra points will be awarded on total point balance earned in a specific billing cycle. The bonus event is defined as your billing cycle.
3Certain terms, conditions, and exclusions apply. For more details, visit American Express.
4For new accounts, as of 08/2023: Variable Purchase APR of 19.49% to 31.49% based on your credit worthiness at the time of account opening and the Prime Rate. Balance Transfer APR of will range from 19.49% to 31.49%. Variable Cash Advance APR of 32.49%, based on Prime Rate. Minimum Interest Charge is $2. Balance Transfer Fee of the greater of $10 or 5% of the transfer. Cash Advance Fee of the greater of $10 or 5% of the advance.
Credit card offers are subject to credit approval.
American Express is a registered trademark of American Express. This Card is issued by Comenity Bank pursuant to a license from American Express.