Bread Cashback American Express

Bread Cashback American Express is issued by Comenity Bank. The button below hands you to the issuer's own application.

Apply now Comenity Bank agreements on file

Applications are handled by Comenity Bank, not by us. We do not take applications, we are not the lender, and we cannot say whether you would be approved.

Disclosed rates and fees

Read from Comenity Bank's own published disclosure for this card. Anything the issuer does not state is left out of this table rather than shown as a zero.

Rates and fees disclosed for Bread Cashback American Express
Purchase APR	19.24%–33.74% (variable)
Balance transfer APR	19.24%
Cash advance APR	33.74%
Annual fee	$0
Cash advance fee	Interest Charge is $3. Balance Transfer Fee of the greater of $10 or 5% of the transfer. Cash Advance Fee of the greater of $10 or 5% of the advance.</p>\r\n<p> </p>\r\n<p>Apple and the Apple logo are trademarks
Balance transfer fee	Variable Cash Advance APR of 33.74%, based on Prime Rate. Minimum Interest Charge is $3. Balance Transfer Fee of the greater of $10 or 5% of the transfer. Cash Advance Fee of the greater of $10 or 5% of the advance.</p>\r

Analysis

Bread Cashback American Express is issued by Comenity Bank. The issuer publishes a purchase APR of 19.24%–33.74% and no annual fee.

The card in one paragraph

A cash-back card: rewards are paid as a statement credit or a deposit rather than as points to redeem.

The rate, in context and in money

In money rather than percentages: $1,000 left on this card for a year at 33.74% costs about $337 in interest, around $28 a month. That is simple interest on a flat balance, so read it as a scale rather than a bill — real interest compounds daily and moves with what you owe.

What it costs to hold and use

There is no annual fee.

What is missing, and why

Comenity Bank does not publish the foreign transaction fee and the late payment fee on the page where this card appears. We have not filled those gaps with typical figures, because a plausible number is indistinguishable from a real one once it is printed beside a card.

The rates and fees for any card are disclosed in full before you submit an application, and the issuer has to give them to you then. If you want them beforehand, the issuer's cardholder agreements filed with the CFPB are linked on this page.

In short

A cashback card with no annual fee and a published rate of 19.24%–33.74%. Whether that rate matters to you turns on one thing: clear the statement balance every month and you will never be charged it.

Where these facts come from

The card name, the image and the application link on this page were read from Comenity Bank's own website (product page). The rates and fees, where we show them, come from a different source entirely: the cardholder agreement the issuer filed with the Consumer Financial Protection Bureau.

Those two sources can disagree, and when they do the issuer's current offer is the one you would actually get. A filed agreement is a snapshot of the terms at the moment of filing; it is the best public record of what a card costs and it is not a quote. Read Comenity Bank's current disclosure before you apply.

We join a filing to a product only when the names match on every meaningful word. Issuers file documents, not cards, so a great many filings cannot be tied to any one product — and an agreement attached to the wrong card would misstate the price of borrowing money. Those unmatched documents no longer get pages of their own on this site: a page named after a PDF is not something a reader can use. They remain published as documents, linked from this page and from the issuer's. How we read the filings.