Bread Rewards American Express
By Alex Compton · Last verified
3x on gas, groceries, dining and utilities with no annual fee.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2024-07 | 0 | No recorded spend | Earliest recordLaunched targeted, later opened to everyone | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xGas, groceries, dining and utilities
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Points redeem from a penny with no minimums and never expire
- ✦Utilities as a 3x category is rare anywhere
- ✦Amex network protections, no foreign transaction fees
Why it earns its spot
- +3x across four everyday categories on a free card
- +Utility bills earning 3% is nearly unique
- +Points worth a straight cent each, no games
Where it costs you
- −No welcome bonus
- −1x outside categories
- −Comenity nonuse shutdowns apply here too
The Compound Verdict
Real and now open to all applicants, this is Bread's quiet follow-up to the Cashback card. Three percent on utilities alone makes it worth a slot for homeowners, and groceries plus dining covers most household spend. The missing welcome bonus is the only thing dulling the shine.
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