Bread Rewards® American Express® Credit Card
Bread Financial

Bread Rewards® American Express® Credit Card

Annual Fee
No Annual Fee
Points Currency
Bread Rewards Points
Base Value
0.50¢/pt
Best For
Dining & Restaurants
Learn More
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Compare

Best Categories for This Card

1.50%
effective

Dining & Restaurants

3x Bread Rewards Points
1.50%
effective

Gas Stations

3x Bread Rewards Points
1.50%
effective

Utilities

3x Bread Rewards Points
1.50%
effective

Groceries

3x Bread Rewards Points

Excludes wholesale clubs (per Amex network page)

0.50%
effective

All Other Purchases

1x Bread Rewards Points

Complete Rewards Breakdown

CategoryMultiplierTypeCapEffective Return
Dining & Restaurants3xOngoing—1.50%
Gas Stations3xOngoing—1.50%
Utilities3xOngoing—1.50%
Groceries3xOngoing—1.50%
Everywhere else
1xOngoing—0.50%

Card details

Last verified
Oct 15, 2026
What's a point worth?

Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.

Pairs well with

Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →

Citi Strata Premier℠ Card
+$701/yr
Capital One Venture Rewards Credit Card
+$692/yr
American Express® Gold Card
+$547/yr

How it stacks up

vs U.S. Bank Cash+® Visa Signature® Cardvs Bank of America® Customized Cash Rewards Credit Cardvs Citi Custom Cash® Cardvs IHG One Rewards Credit Card

Want more details?

Fees, benefits, and current offers change frequently. Visit Bread Financial’s official page for the most up-to-date terms straight from the issuer.

View on Bread Financial’s site

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