Plus access to American Express® benefits3

Purchase
protection

Items stolen or damaged?
We’ve got you covered.

Zero fraud
liability

If you’re not the one buying,
we’re not charging.

Events with
Amex

Enjoy all that Amex has to offer across music, theater, sports, and more.

There are so many ways to redeem the points you earn with your Bread Rewards Card.1

Statement Credits

Statement Credits

Travel

Travel

Gift Cards

Gift Cards

Merchandise and more

Merchandise and more

Download the App for Your Favorite Card

Manage your account, make a payment and redeem your rewards1, all in one place.

Download on the App Store
Get it on Google Play

Frequently Asked Questions

No, there is no annual fee associated with this card.5

No, Bread Rewards does not charge a fee for using your Bread Rewards™ Card for foreign currency transactions.5

It’s easy. You can use your Bread Rewards™ Card to earn 3X in reward points on gas station, grocery store, dining and utility purchases as well as 1X on all other purchases.1

You can sign in to Account Center to request reward redemption. Rewards do not expire. So, sign in and request your rewards however and whenever it’s most convenient to you. Your Bread Rewards™ Card points can be redeemed for statement credits, gift cards, travel, merchandise and more. Please reference the Rewards Terms and Conditions for full program details.

There is no maximum on everyday purchases. Please reference the Rewards Terms and Conditions for full program details.

Rewards do not expire. Rewards are subject to Rewards Terms and Conditions.

You can visit your Account Center to activate online today or dial the number on the back of your card. Please have your new card and information ready. You’ll also have the opportunity to activate cards for authorized buyers by adding the last four digits of the other cards on the account.

You can pay your Bread Rewards™ Card bill online 24 hours a day, 7 days a week in your Account Center. To avoid a late fee, your payment must be successfully submitted by 5:00 p.m. (ET) on or before your due date.