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  Bread Cashback American Express Credit Card
Bread Cashback American Express Credit Card Unaffiliated

Bread Cashback American Express Credit Card

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Highlights
Purchase APR  (Variable APR) 15.49% - 26.99%
Balance Transfer APR  (Variable APR) 26.99%
Credit Score Range N/A
Annual Fee $0

Bread Cashback American Express Credit Card Review

This is a cashback credit card issued by Comenity Bank. If you're wondering whether Bread Cashback American Express Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Bread Cashback American Express Credit Card has a variable purchase APR that ranges from 15.49% up to 26.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Bread Cashback American Express Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
Pros & Cons of Bread Cashback American Express Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Bread Cashback American Express Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a 5% balance transfer fee.
Bread Cashback American Express Credit Card FAQ

Does Bread Cashback American Express Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.

What are the Bread Cashback American Express Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Bread Cashback American Express Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Bread Cashback American Express Credit Card has a variable purchase APR that ranges from 15.49% up to 26.99%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 26.99% .

Does Bread Cashback American Express Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Bread Cashback American Express Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Bread Cashback American Express Credit Card?

The following fees apply:

Bread Cashback American Express Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $41
Late Payment Fee up to $41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Bread Cashback American Express Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Bread Cashback American Express Credit Card?

The Bread Cashback American Express Credit Card customer service number is (855) 816-2418.

What is the support contact email for Bread Cashback American Express Credit Card?

The support contact email for Bread Cashback American Express Credit Card is webmaster@comenity.net.

What is the Bread Cashback American Express Credit Card login page?

You can access the Bread Cashback American Express Credit Card login page here.

How do people rate the customer service and user experience of Bread Cashback American Express Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Bread Cashback American Express Credit Card report your account activity to credit bureaus?

Yes, Bread Cashback American Express Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Bread Cashback American Express Credit Card

  • Visit the Bread Cashback American Express Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 9:00am - 5:00pm
  • Monday 7:00am - 11:00pm
  • Tuesday 7:00am - 11:00pm
  • Wednesday 7:00am - 11:00pm
  • Thursday 7:00am - 11:00pm
  • Friday 7:00am - 11:00pm
  • Saturday 9:00am - 5:00pm

Other Services by Comenity Bank

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View all credit cards offered by Comenity Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) $10
Minimum Interest Charge $2
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Purchase Protection
  • Fraud Liability
Rewards Categories
  • 2% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 26.99%
Balance Computation Daily Balance (including current transactions)
Purchase APR (Variable APR) 15.49% - 26.99%
Balance Transfer APR (Variable APR) 26.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Cashback
Card Network American Express

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