Flat 2% cash back on everything with no annual fee and no categories to track.
Rates, fees and offers
- Regular APR
- 15.49%–26.99% variable
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- See Bread Financial's terms
- Rewards
- Unlimited 2% cash back on everything.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
No intro APR. A good simple rewards card if you pay in full; not a card for carrying a balance.
Paying and contacting Bread Financial
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Bread Financial cards → · Search all cards
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