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
Travel Essentials
Gear that frequent flyers love
Neck Pillows
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