Bread Rewards™ American Express® Credit Card
Earn points with every purchase you make using your
Bread Rewards Card
3X
at gas stations1
3X
at grocery stores1
3X
on dining1
3X
on utilities1
1X
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/
Special Ticket Access
Enjoy access to Amex Presale Tickets™ or Amex Reserved Tickets™ to exciting experiences throughout the year. While supplies last, not all seats may be offered. Terms Apply.
Amex Reserved TicketsTM (formerly referred to as American Express Access)
Amex Reserved Tickets may be purchased by American Express® Card Members for select events and select seats, during a specified period. Tickets must be purchased using an American Express Card (including, for example, the American Express International Dollar Cards). An American Express Prepaid Card cannot be used to purchase tickets. Tickets are sold by and fulfilled by third party ticket sellers (not American Express), and such tickets are subject to the rules, terms and conditions, prices and fees set by the ticket seller, event promoter and/or the venue. Reserved tickets are subject to availability and supply may be limited. Not all seats may be offered; purchase limits and blackout dates may apply. Refunds, exchanges, and resale may be prohibited by the ticket seller. For more information, please visit americanexpress.com/entertainment
Amex Presale TicketsTM (formerly referred to as American Express Early Access)
Amex Presale tickets may be purchased by American Express® Card Members for select events and select seats, during a specified period prior to the general on-sale dates for those events. Tickets must be purchased using an American Express Card (including, for example, the American Express International Dollar Cards). An American Express Prepaid Card cannot be used to purchase tickets. Tickets are sold by and fulfilled by third party ticket sellers (not American Express), and such tickets are subject to the rules, terms and conditions, prices and fees set by the ticket seller, event promoter and/or the venue. Presale tickets are subject to availability and supply may be limited. Not all seats may be offered; purchase limits and blackout dates may apply. Refunds, exchanges, and resale may be prohibited by the ticket seller. For more information, please visit americanexpress.com/ entertainment.
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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