Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- No annual fee
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$480/yr
$480 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$520/yr
$520 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$560/yr
$560 rewards
Rewards by Category
Dining
2x
Grocery
2x
Gas
2x
Flights
2x
Hotels
2x
Other Travel
2x
Online Shopping
2x
Rideshare
2x
Streaming
2x
Amazon
2x
Other
2x
Apple
2x
Cell Phone
2x
Fast Food
2x
Home Utilities
2x
Internet
2x
Walmart
2x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
2% unlimited cash back on all purchases. No annual fee. Not accepted at Costco (Amex).
Bread Cashback American Express FAQ
What is the Bread Cashback American Express annual fee?
The Bread Cashback American Express has no annual fee.
What is the Bread Cashback American Express signup bonus?
20,000 dollars for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Bread Cashback American Express?
2x on flights, 2x on hotels, 2x on other travel. Everything else earns 2x.
Compare With Similar Cards
Is Bread Cashback American Express Right for You?
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Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.