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Bread Financial · Amex

Bread Cashback™ American Express® Credit Card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
See reward details
Intro offer
Intro value may include 200 points. Confirm current requirements with the issuer.
Recommended credit
Good (670-719)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 18.99% - 33.49%
Balance transfer APR
APR range: 18.99% - 33.49%
Cash advance APR
APR range: 33.49%
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $41.00
Grace period
21 days
Recommended credit
Good (670-719)
Terms last updated
6/22/2026
Key benefits
  • No yearly card fee
  • Cash-back earning focus
Rewards breakdown

Wafacard summary: this cash-back card shows cash-back earning from 2% depending on the purchase type and issuer rules. Check the issuer page for eligible categories, caps, and current terms.

Intro offer: Intro value may include 200 points. Confirm current requirements with the issuer.

Card details

Wafacard note: key fit signals include no yearly card fee, cash-back earning focus. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Bread Financial
Network
Amex
Type
cashback
Review status
Terms reviewed 6/30/2026

Is Bread Cashback™ American Express® Credit Card worth it?

The Bread Cashback™ American Express® Credit Card is a no-annual-fee cashback card from Bread Financial, so you can keep it long term without paying to hold it. New cardholders may also qualify for a welcome offer: Intro value may include 200 points. Confirm current requirements with the issuer. It is generally aimed at applicants with good (670-719) credit, with a purchase APR around APR range: 18.99% - 33.49%. Confirm current terms on Bread Financial's site before applying.

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