Current Cardmember? Sign in
Everyday spending is more rewarding when you use your Bread Rewards Card:
- • 3% rewards points on gas station, grocery store, dining and utility purchases1
- • 1% rewards points on all other purchases1
- • Plus, 25% extra points every billing cycle you make 20 or more purchases2
- • Access to American Express benefits3
- • No annual fee and no foreign transaction fees4
The Bread Rewards Card is currently available by invitation only.
Earn points on everyday purchases using your Bread Rewards™ Card
3%
Earn 3% on gas station, grocery store, dining and utility purchases1
1%
Earn 1% on all other purchases1
+25%
extra points
+25% extra points every billing cycle you make 20 or more purchases on your Bread Rewards Card2
No annual fee
Enjoy all the benefits of an American Express card with no annual fee or foreign transaction fees.4
Rewards your way
Redeem your points for statement credits, travel, gift cards, merchandise and more.
Bread Rewards™ benefits from American Express³
Purchase protection
Trustworthy coverage on damaged, lost or stolen items.
Zero fraudliability
Feel secure every time you shop.
Amex Offers
Make everyday purchases more rewarding with Amex Offers.
Entertainmentaccess
Take advantage of early access to tickets for concerts, theaters, sports and more.
Resydiningprogram
Save up to 20% or enjoy a free appetizer at participating restaurants withResy.
Booking.comhotel discounts
Make the most of your travels with 30% off select hotels through Booking.com.
Emergencyassistance
Troubles while traveling? Cardmembers can access a 24-hour emergency hotline.
Travel accidentinsurance
Enjoy extra peace of mind when traveling.
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
4Reviewimportant 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
4Reviewimportant 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 toAccount Centerto 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 Conditionsfor full program details.
There is no maximum on everyday purchases. Please reference the Rewards Terms and Conditionsfor full program details.
Rewards do not expire. Rewards are subject to Rewards Terms and Conditions
You can visit your Account Center toactivate online todayor 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 yourAccount 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 theRewards Terms and Conditionsfor 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 theRewards Terms and Conditionsfor 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, visitAmerican 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.
Card benefits
- Earn 3% rewards points on gas station, grocery store, dining and utility purchases, and 1% on all other purchases1
- +25% extra points every billing cycle you make 20 or more purchases on your Bread Rewards Card.2
- Enjoy access to American Express benefits.3
- No annual fee and no Foreign Transaction Fees.4
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 theRewards Terms and Conditionsfor 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, visitAmerican 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 Capital Bank pursuant to a license from American Express.
Close
Benefits details
3 Certain terms, conditions, and exclusions apply. For more details, visit American Express.
Close
