OOpenCard

Bread Rewards™ American Express® Credit Card

Bread Financial

No Annual Fee
Annual Fee
amexFair → GoodNo Foreign Transaction Feecash-backno-annual-feelast month

Welcome Offer

No Welcome Offer

Earning Rates

3×Gas Stations3x points on gas station purchases
3×Groceries3x points on grocery store purchases
3×Dining3x points on dining purchases
3×Utility Bills3x points on utility bill payments
1×All Other Purchases1x point on all other purchases

Insurance

Application Rules

Sources

Last Updated: Apr 16, 2026