Bread Cashback™ American Express® Credit Card

Earn 2% unlimited cash back on every purchase with your

Bread Cashback Card¹

All with no annual fee or foreign transaction fees!²

¹Offer is exclusive to Bread Cashback American Express Credit Card holders enrolled in the Bread Cashback program. Cashback can be redeemed as statement credit or direct deposit. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please visit comenity.net/breadcashback/termsandconditions.

²Review important rate, fee, and other cost information.

Credit card offers are subject to credit approval.

American Express is a registered trademark of American Express. This Card is issued by Comenity Capital Bank pursuant to a license from American Express.

Key Features and Benefits at a Glance

Amex Offers

Amex Offers rewards you at places you like to shop, dine, travel, and more. To enroll, simply add offers to your eligible card. Then use that same Card on qualifying purchases and watch the rewards roll in. Terms Apply.

View Amex Offers

Program terms and conditions linked here: https://www.americanexpress.com/en-us/benefits/offers/partner-terms/

Entertainment Access

Get early access to purchase tickets for concerts, theater, sports and more, all year round. You can purchase presale tickets before the general public to special events and experiences when you use your Card. Terms Apply.

Explore Now

American Express Presales: Valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members. Tickets must be purchased with an American Express Card. Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.

#AMEXFORFOODIES

Enjoy up to 20% off your bill or a free appetizer for dine-in or takeout at participating restaurants with Resy. Terms Apply

See Details

Cardmembers can receive a free appetizer or up to 20% off at participating restaurants (the “Benefit”) with an eligible American Express Card. An “eligible American Express Card” means an American Express Card issued by a third party licensed to issue American Express Cards. Cards issued by American Express or its subsidiaries are not eligible for this Benefit. Benefit is available only for dine-in and takeout orders. To book a dining reservation, visit https://experiencesbenefits.com/us/access/diningprogram and follow the prompts to complete your reservation at a participating restaurant via the Resy platform. Reservations are available at a first come, first-served basis. Only reservations made using the link above are eligible to receive the Benefit. You will not receive the Benefit if you book your reservation via the Resy website or app or directly with the restaurant. Tables will only be held for a maximum of 15 minutes after the confirmed reservation time. Cancellation and no-shows are subject to Resy’s terms of service. For takeout orders, visit https://experiencesbenefits.com/us/access/diningprogram and follow the prompts to obtain the
benefit code to present to restaurant at checkout. You must place your takeout order with the restaurant to receive the Benefit. Benefit is only redeemable when you pay your restaurant bill with an eligible Card. Valid in select cities only. Availability is limited. Not valid for delivery or special events. Benefit excludes gratuity and/or any applicable taxes. Cannot be combined with any other offer or promotion. Information you provide to Resy is subject to its terms of service and privacy policy. Participating restaurants are solely responsible for the fulfillment of the Benefit. Benefit void where prohibited by law. Other restrictions may apply. Benefit is non-transferable, cannot be exchanged for cash, and is subject to change at any time without notice to you.

Discover Protections and Insurances available to Bread Cashback™ American Express® Cardmembers below

Protections & Insurances

Car Rental Loss & Damage Insurance

Bread Cashback American Express Cardmembers are eligible for reimbursement for repair or replacement of a rented automobile as a result of damage or loss to the rented automobile anywhere in the United States and Canada. Reimbursement will be on an actual cash value basis, for damage or loss for which the insured is responsible. Coverage applies provided the entire rental fee for the rental automobile, less redeemable certificates, vouchers, coupons, or points has been charged to your Bread Cashback American Express Card. Coverage is limited to $50,000 per rental. The insured must file a claim with their primary insurance as this benefit is excess coverage. Certain exclusions, restrictions, and limitations apply. Please refer to the Terms and Conditions for full details.

Toll Free: 800-794-2086; Worldwide Collect: 312-935-9260

Available 24 hours a day, 365 days a year.

Car Rental L&D

Zero Fraud Liability

If you’re not the one buying, we’re not charging.

You won't be held responsible for unauthorized charges made with your card or account information. Zero Fraud Liability does not apply to use of your account by an authorized user. If you think someone used your account without permission, contact us at 1-888-282-5154 (TDD/TTY 1-888-819-1918).

Emergency Assistance

Emergency Assistance (Tier-1) provides a hotline with an emergency referral service for medical and legal providers and for certain travel emergencies on a 24-hour per day basis for Bread Cashback American Express Cardmembers and eligible travel companions traveling internationally. Emergency Assistance (Tier-1) also provides relevant pre-trip personal and travel-oriented assistance and information concerning passports, visas, travel advisories, etc. Certain exclusions, restrictions, and limitations apply. Please refer to the Terms and Conditions for full details.

Toll Free: 800-794-2086; Worldwide Collect: 312-935-9260

Available 24 hours a day, 365 days a year.

ID Theft Protection

ID Theft Insurance provides Bread Cashback American Express Cardmembers reimbursement for identity theft expenses incurred due to an identity theft occurrence. ID Theft Insurance also provides reimbursement for legal obligations for credit card forgery and counterfeiting resulting from an identity theft occurrence. Coverage for identity theft expenses is limited to a maximum of $2,500 per insured person; coverage for legal obligations is limited to a maximum of $2,500 per insured person. Certain exclusions, restrictions, and limitations apply. Please refer to the Terms and Conditions for full details.

Toll Free: 800-794-2086; Worldwide Collect: 312-935-9260

Available 24 hours a day, 365 days a year.