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Amex2/4 on file
✓ Annual fee checked
Bread Financial (Comenity Bank) · Amex

Bread Rewards™ American Express® Credit Card

No Annual FeeNo FX FeeRewardsTravel Insurance

The Bread Rewards™ American Express® Credit Card is an Amex card from Bread Financial (Comenity Bank) with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked d.comenity.net
Apply on Bread Financial (Comenity Bank)Compare this card
Opens Bread Financial (Comenity Bank)’s site
Ledger entry

The receipt

Every cost line we hold for the Bread Rewards™ American Express® Credit Card, exactly as recorded.

Annual fee
$0Checked d.comenity.net
Supplementary card
Not confirmed
Foreign transaction
NoneChecked files.consumerfinance.gov
Purchase APR
19.24%–34.24%Checked files.consumerfinance.gov
Income requirement
Not confirmed
Network
Amex
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Bread Rewards™ American Express® Credit Card. That may mean there isn’t one, or simply that we have not recorded it — Bread Financial (Comenity Bank)’s own page is the place to check.

Issuer restricts access — check their site
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Bread Rewards™ American Express® Credit Card. Rather than print a multiplier we cannot source, this stays blank until Bread Financial (Comenity Bank)’s own terms give us one.

We couldn't verify this · check with the issuer
Next step

Ready to apply for the Bread Rewards™ American Express® Credit Card?

You'll finish the application on Bread Financial (Comenity Bank)'s own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Bread Financial (Comenity Bank)’s site
Questions

Questions about the Bread Rewards™ American Express® Credit Card

How much is the Bread Rewards™ American Express® Credit Card annual fee?

The Bread Rewards™ American Express® Credit Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Bread Rewards™ American Express® Credit Card earn?

We could not verify the Bread Rewards™ American Express® Credit Card's earn rates, so we do not print a multiplier. Check them on Bread Financial (Comenity Bank)'s own site.

What network is the Bread Rewards™ American Express® Credit Card on?

The Bread Rewards™ American Express® Credit Card runs on the Amex network, which determines where it is accepted and which network-level benefits apply.

Is the Bread Rewards™ American Express® Credit Card available in United States?

Yes — the Bread Rewards™ American Express® Credit Card is issued by Bread Financial (Comenity Bank) and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Bread Rewards™ American Express® Credit Card figures last checked?

We checked its annual fee in September 2026, its foreign transaction fee in December 2025 and its purchase APR in December 2025, each against a published document. Bread Financial (Comenity Bank)'s site restricts access, so we could not check: welcome offer. We could not verify, so we do not print: earn rates. Check them with Bread Financial (Comenity Bank). Terms can change without notice, so confirm the current details with Bread Financial (Comenity Bank) before you apply.