Bread Rewards™ American Express® Credit Card
Earn points with every purchase you make using your
Bread Rewards Card
3%
at gas stations1
3%
at grocery stores1
3%
on dining1
3%
on utilities1
1%
on all other purchases1
+25% extra points every billing cycle you make 20 or more purchases on your Bread Rewards Card2
All with no annual fee or foreign transaction fees!3
1Offer is exclusive to Bread Rewards Credit Card holders enrolled in the Bread Rewards™ American Express® Credit Card program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Bank does not have the ability to control assignment of merchant codes. Grocery stores excludes wholesale clubs. Dining excludes food delivery services. Utilities are limited to electric, gas, water and sanitary services. This rewards program is provided by Comenity Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/breadrewards/termsandconditions.
2For bonus earnings, the purchase must post prior to the end of the bonus event. Offer is exclusive to Bread Rewards Credit Card holders enrolled in the Bread Rewards™ American Express® Credit Card program. This rewards program is provided by Comenity Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/breadrewards/termsandconditions. Extra points will be awarded on total point balance earned in a specific billing cycle. The bonus event is defined as your billing cycle.
3Review 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 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.
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.
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
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 Rewards™ American Express® Cardmembers below
Protections & Insurances
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 Rewards 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.
Travel Accident Insurance
Worldwide Travel Accident Insurance provides accidental death or dismemberment insurance while traveling on a common carrier, (plane, trip, ship or bus) when the entire fare is charged to your Bread Rewards American Express Card. Worldwide Travel Accident Insurance provides coverage up to $100,000. The insurance plan is provided at no additional cost to eligible Bread Rewards American Express Cardmembers. 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.
Retail Protection provides coverage for eligible items you purchased entirely with your Bread Rewards American Express Credit Card if damaged or stolen within ninety (90) days from the date of purchase. Coverage is limited to the actual cost of the item (excluding delivery and transportation costs) or to a maximum of $1,000 per loss and a total of $50,000 per Cardholder account per twelve month period, whichever is less. 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.
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).
See all the other great deals and discounts offered to
Bread Rewards American Express Cardmembers
Extra Protection
Discover the protections and insurances available to Bread Financial™ American Express® Cardmembers.
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