American ExpressBread Rewards American Express
3x on gas, groceries, dining and utilities with no annual fee.
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Last verified 2026-06-11 · spot an outdated offer?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
- 3xGas, groceries, dining and utilities
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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.
Rate this card
Be the first to rate it
Commentson Bread Rewards
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.