THE CARDTUNED DATABASE
Bread Rewards American Express Credit Card
Issuer: Bread Financial / Comenity · Network: American Express
3 points/$1 on gas, groceries, dining and utilities; 1 point/$1 elsewhere; 25% additional points after 20 purchases in a billing cycle
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR verified; see the live application.
- Regular APR
- 18.99%–33.49% variable
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Dining & Groceries & Gas | 3 points/$1 | on gas, groceries, dining and utilities |
| Eligible purchases | 1 point/$1 | elsewhere |
Additional benefits
• 25% additional points after 20 purchases in a billing cycle (20 posted purchases in the cycle)
• No annual or foreign transaction fee
Restrictions to know
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. 25% additional points requires 20 posted purchases per billing cycle. Wholesale clubs excluded from grocery; delivery services excluded from dining. Utility category covers eligible electric, gas, water and sewer. Issued by Comenity Bank.
Who can apply
U.S. applicant of legal age; subject to identity, income and issuer credit approval.
Credit profile: Not Public / issuer underwriting applies