Bread Rewards™ American Express®
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How we calculate effective rate →
The Bread Rewards™ American Express® from Comenity earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back.
What does the Bread Rewards™ American Express earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bread Rewards™ American Express compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among the top.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bread Rewards™ American Express compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 3% back | 3% |
| Gas Gas stations and fuel | 3% back | 3% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Bread Rewards™ American Express reward caps and conditions?
The Bread Rewards™ American Express has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 3% on dining
- Earn 3% on gas station purchases
- Earn 3% on grocery store purchases
Who should get the Bread Rewards™ American Express?
The Bread Rewards™ American Express fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back.
Bread Rewards™ American Express fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back.
Foreign transaction fees make it weaker for international spend.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the Bread Rewards™ American Express have an annual fee?
The Bread Rewards™ American Express has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Bread Rewards™ American Express?
The Bread Rewards™ American Express includes 25% extra points in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
25% extra points
Earn 25% extra points when you use your Bread Rewards™ Card 20 or more times on purchases in a billing cycle
Related encyclopedia topics
Common questions about the Bread Rewards™ American Express
Where do cardholders spend most with the Bread Rewards™ American Express?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), groceries (3x) for the Bread Rewards™ American Express. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Bread Rewards™ American Express have an annual fee?
The Bread Rewards™ American Express carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Bread Rewards™ American Express?
Dining is the strongest Madeen category for the Bread Rewards™ American Express at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Bread Rewards™ American Express charge foreign transaction fees?
The Bread Rewards™ American Express charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Bread Rewards™ American Express?
Madeen's catalog lists a typical credit range of Fair for the Bread Rewards™ American Express. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Bread Rewards™ American Express?
Rewards on the Bread Rewards™ American Express post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Bread Rewards™ American Express compare to similar cards?
Compare the Bread Rewards™ American Express against Forever 21 Visa (3.3% on Dining, $0 fee); GasBuddy™ Mastercard (3% on Dining, $0 fee); IKEA Visa (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Bread Rewards™ American Express This card | Dining | 3% | $0 |
Comenity | Dining | 3.3% | $0 |
Comenity | Dining | 3% | $0 |
Comenity | Dining | 3% | $0 |
Comenity | Dining | 3% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Comenity and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Comenity. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure