Comenity · American Express · Personal
Bread Rewards
A no-annual-fee card earning cash back: 3× on 4 categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 3×4 categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $0 | $0 |
Earning structure
5 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Dining NotesExcludes food delivery services | 3× | $3.00 | |
| Gas Stations | 3× | $3.00 | |
Groceries NotesExcludes wholesale clubs | 3× | $3.00 | |
Utilities NotesLimited to electric, gas, water and sanitary services. | 3× | $3.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- American Express
- Bank
- Comenity
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits3 · 0 high value
- Earn Perks & Status +25% extra points
- Instant Perks & Status Booking.com hotel discounts
- Travel Protections Travel Accident Insurance
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Bread Rewards |  AAA Daily Advantage |  Bread Cashback |  Ally Everyday Cash Back | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | None | $100 | None | None |
| Top rate | 3×4 categories | 5×Groceries | 2×All Other | 3×3 categories |
| Travel value * | –Cash back | 1¢AAA Points | –Cash back | –Cash back |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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