Does the KAYAK have an annual fee?

No. Our record lists a $0 annual fee for the KAYAK.

What does the KAYAK earn?

3x on KAYAK Bookings, 2x on Travel (flights, hotels, rental cars), and 1x on other purchases.

Is the KAYAK worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in KAYAK Bookings), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.

What credit do I need for the KAYAK?

Our record lists "Good" credit as the typical target for the KAYAK. Bread Financial makes the final decision based on its own criteria.

KAYAK Credit Card

Bread Financial

No Annual Fee

Annual Fee

visaGoodno-annual-fee5 months ago

Welcome Offer

No Welcome Offer

OpenCard analysis

Is the KAYAK Credit Card right for you?

The KAYAK is a no-annual-fee rewards card from Bread Financial. Its strongest everyday earning is 3x on KAYAK Bookings, with 1x on most other purchases. With no fee, the question is simply whether 3x on KAYAK Bookings beats what your current card earns there.

Who it's for

✓ People who spend steadily on KAYAK Bookings, where it earns 3x
✓ Anyone who wants KAYAK Bookings rewards without paying an annual fee

Who should skip it

— Heavy spenders outside KAYAK Bookings — everything else earns 1x

First-year value estimate

Welcome bonus

Rewards on spending

$180

Annual fee (year 1)

−$0

Year 1, before credits

$180

Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).

Assumptions

$3,000 a year in KAYAK Bookings (3x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-27.

How it compares

Amex Cash Magnet →

American Express, same $0 annual fee; earns 1.5x on everything.

American Express EveryDay →

American Express, same $0 annual fee; earns 2x on U.S. gas stations.

Apple →

Goldman Sachs, same $0 annual fee; earns 3x on Apple Purchases.

Compare side by side →

Frequently asked questions

Does the KAYAK have an annual fee?: No. Our record lists a $0 annual fee for the KAYAK.
What does the KAYAK earn?: 3x on KAYAK Bookings, 2x on Travel (flights, hotels, rental cars), and 1x on other purchases.
Is the KAYAK worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in KAYAK Bookings), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.
What credit do I need for the KAYAK?: Our record lists "Good" credit as the typical target for the KAYAK. Bread Financial makes the final decision based on its own criteria.

Earning Rates

3×KAYAK Bookings3x points on KAYAK bookings

2×Travel (flights, hotels, rental cars)2x points on travel (flights, hotels, car rentals) outside KAYAK

1×All Other Purchases1x point on all other purchases

Other Benefits

KAYAK price freeze

Free price freeze on KAYAK bookings

Insurance

Rental InsuranceSecondary

Purchase Protection

Extended Warranty

Sources

https://www.breadfinancial.com/en/bread-financial-overview.html

Last Updated: Apr 27, 2026