American ExpressBread Cashback American Express
A no-fee flat 2% on everything, riding the Amex network.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Unlimited 2% with no annual fee and no foreign transaction fee
- ✦Amex network perks: purchase protection and fraud coverage
- ✦Cash back never expires while the account is open
Why it earns its spot
- +Clean 2% everywhere with zero fees of any kind
- +Amex network protections on a Comenity price tag
- +Still open to new applicants as of June 2026
Where it costs you
- −No welcome bonus, ever
- −Comenity will close it if it sits in a drawer
- −Amex acceptance gaps abroad and at small merchants
The Compound Verdict
A legitimately good card from the most unlikely issuer in America. Flat 2% with no fees matches Citi Double Cash and adds Amex network protections. The only real maintenance is using it occasionally so Bread Financial does not shut it down for boredom.
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