American Express and Bread Financial announce new 2% cash-back credit card (2024)

FAQs

What credit score is needed for bread financial American Express? ›

Bread Cashback™ Card credit score

The Bread Cashback™ American Express® Credit Card is aimed at consumers with a good to excellent credit score, or a FICO® Score of 670 to 850. That said, applicants with a score in this range are not always accepted, nor are applicants outside of that range necessarily excluded.

Earn up to 3X Points using the Bread Rewards™ American Express® Credit Card. Everyday spending is more rewarding when you use your Bread Rewards™ Card.

The Bread Cashback™ American Express® Credit Card comes with solid perks for a no-annual-fee card, including: 2% cash back on all purchases, with no limits. No annual fee or foreign transaction fees*

Earn 2% unlimited cash back on purchases when you use your Bread Cashback Card.¹ No rewards caps, opt-ins or categories to manage. Enjoy American Express Network Benefits with no annual fee or foreign transaction fees. Redeem your cash back when it's convenient for you — as a statement credit or by direct deposit.

The Blue Cash Everyday® Card from American Express and the American Express Cash Magnet® Card are two of the easiest Amex cards to get approved for because they only require good credit. While the best American Express credit cards aren't that easy to obtain, there are several credit cards from other...

Quick and easy application

BreadPay allows you to finance your purchase over 3, 12, 24, or 36 months. Bread does not require a hard credit check for approval and will not impact your credit score. ShopPay installments lets you split your purchase into four equal installments for purchases between $50 - $3,000 USD.

1. The ongoing rewards rate is excellent. The Bread Cashback card earns an unlimited 2% cash back on all purchases, a shade better than the 1.5% back you'll find on some other flat-rate cards. So if you spend $1,000 in a month, you'll get $20 back.

There is no hard credit check during the application process and accepting the terms of a Bread Loan. After taking out a Bread Loan, we may report repayment information about your account to the consumer reporting agencies, which may affect your credit score.

The easiest way to increase your credit limit is to call the card issuer directly. You may also have the ability to make the request via your online account. This will depend on the bank or issuer. You will likely have to wait until the account is at least six months old.

A 2% cash back credit card is a no-hassle, straightforward way to earn rewards. While you might earn more points on a travel card, redemption values and ways to redeem points on a travel rewards card can be more complicated. A flat-rate cash-back card can be a good choice to use as a foundation.

Does Amex have a 2 90 rule? ›

Reports show that you won't be approved for more than one Amex card in a five-day period (the so-called 1-in-5 rule) and no more than two cards in a 90-day period (known as the 2/90 rule). There are exceptions to these rules, but they're rare.

Like the entertainment perk from Bread Cashback, Citi Double Cash gives cardholders special access to presale tickets. Unlike the Bread Cashback card, the Citi Double Cash comes with a 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 19.24% to 29.24%.

Yes, Bread Savings, formerly Comenity Direct, is a product of Comenity Capital Bank, which is FDIC-insured (FDIC Certificate No. 57570). This means that your money is insured for up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.

Bread Pay™ Installment Loans and Bread Pay™ SplitPay loans are made by Comenity Capital Bank, a Bread Financial™ company.

The Bread Cashback™ American Express® Credit Card puts more in your pocket. Earn cash back rewards every day. Plus, get peace of mind with American Express purchase protection, ID theft insurance and more.

We will perform a soft credit inquiry to determine your eligibility for a Bread Loan, which will not impact your credit score. There is no hard credit check during the application process and accepting the terms of a Bread Loan.

Cards such as the Amex EveryDay® Preferred Credit Card from American Express and Blue Cash Preferred® Card from American Express usually recommend a 670+ score. However, there is anecdotal evidence of scores in the lower 600s being approved.

Although there's no official score required to apply, the bulk of American Express' cards are designed for consumers with good or better credit. Those who qualify will typically be rewarded with a card that offers rich perks and benefits.