topic Opinions/reviews on bread Amex in Credit Cards

Opinions/reviews on bread Amex

SRT4kid93 — Sat, 19 Jul 2025 20:02:16 GMT

Got an invitation for the bread financial Amex card for the first time ever and I was curious what everyone here thinks of this card?

It would be my only card with 2% catch all, which is tempting, but When I looked up reviews of it there were a good number of bad stories, so I'm wondering if it's worth it, I have the freedom unlimited for 1.5% catch all so it would only be an extra 1/2%.

it seems like a lot of people here have either

1) had this card at one point

2) still have this card

some of the horror stories included accounts being closed out of no where, bad customer service, stuff like that. Can anyone share their experience with this card? Good or bad?

Re: Opinions/reviews on bread Amex

ptatohed — Sat, 19 Jul 2025 20:59:58 GMT

I do think you should get a 2% card if you only have a 1.5% card now. But if you are going to do so, pick a 2% card with a nice welcome offer. $200 all at once is equal to a lot of spend and a lot of time earning 0.5% more CB.

Re: Opinions/reviews on bread Amex

coldfusion — Sat, 19 Jul 2025 21:16:11 GMT

Comenity is quick to pull the plug on you if their metrics show you becoming what they view as being at elevated risk of defaulting. Behavior like going on an app spree, having a handful of successful CLI requests within a short period of time, a big jump in utilization on several cards, or having a late payment report gets their attention and puts you at risk of Adverse Action. Put another way, they behave a lot like Synchrony does when the overall outlook of financial markets turns cloudy.

Insofar as the card itself it isn't a bad card if you're OK with it using the AMEX payment network.

Re: Opinions/reviews on bread Amex

pauldc73 — Sat, 19 Jul 2025 21:35:42 GMT

If you apply for another card. this will spread out your purchases a little more, meaning less average spend on each card? I get the impression you are trying to grow your credit limits, but less average spend on cards may result in lower CL increases if they are granted?

Re: Opinions/reviews on bread Amex

Jnbmom — Sat, 19 Jul 2025 21:47:20 GMT

I have this card they are very generous with CLIs that is for sure .

Nothing too special, and I know how Comenity and Synch work so always prepared for that.

But overall no complaints , straight 2% no AF and line up to 21K now .

Re: Opinions/reviews on bread Amex

SRT4kid93 — Sat, 19 Jul 2025 22:22:00 GMT

@Jnbmom

I have heard they are generous with CLi.

@pauldc73

yes it will certainly spread out my spend especially spend that doesn't fall under my elevated cash back already, for example, bcp gives me 3% on gas, multiple cards give me 3% on restaurants and groceries, so in these cases the bread wouldn't steal any spend from my other cards.

but all the 1% other transactions, bread would be the vast majority of those transactions. I do think I would continue growing my current cards to get them where I want to be, and the best way to do that is more spend. But eventually, my current cards will start to plateau, and that's when I can add a couple more cards that fill in some of the gaps I may have.

@coldfusion

the only thing that would fit my profile would be the successful cli's. I have gotten a lot of increases recently.

@ptatohed

I do think a 2% card is on my horizon at some point. I just don't know if it should be bread or not.

Re: Opinions/reviews on bread Amex

NoHardLimits — Sat, 19 Jul 2025 22:27:02 GMT

I've never had the Bread Amex, so I have no feedback for you there. However, I do know that there are many other 2% cards available which have much better reputations (e.g. Fidelity Rewards, Citi Double Cash, Wells Fargo Active Cash, Navy Federal cashRewards Plus, etc.). If you are asking for opinions about your situation, I'd say that you should garden for a little while longer. Once you are 0/12, just about all of the better 2% cards I named above should be within reach.

Re: Opinions/reviews on bread Amex

ptatohed — Sat, 19 Jul 2025 23:01:59 GMT

@SRT4kid93 wrote:
@Jnbmom

I have heard they are generous with CLi.

@pauldc73

yes it will certainly spread out my spend especially spend that doesn't fall under my elevated cash back already, for example, bcp gives me 3% on gas, multiple cards give me 3% on restaurants and groceries, so in these cases the bread wouldn't steal any spend from my other cards.

but all the 1% other transactions, bread would be the vast majority of those transactions. I do think I would continue growing my current cards to get them where I want to be, and the best way to do that is more spend. But eventually, my current cards will start to plateau, and that's when I can add a couple more cards that fill in some of the gaps I may have.

@coldfusion

the only thing that would fit my profile would be the successful cli's. I have gotten a lot of increases recently.

@ptatohed

I do think a 2% card is on my horizon at some point. I just don't know if it should be bread or not.

That's good, but my point was to pick a 2% card with a nice welcome offer. The bread does not have one.

Re: Opinions/reviews on bread Amex

FicoMike0 — Sun, 20 Jul 2025 02:02:17 GMT

Ditto @ptatohed

I have the Wells active cash. 2% on everything, $200 sub for $500 spend.

https://creditcards.wellsfargo.com/active-cash-credit-card/?FPID=0126D7I6F40000&product_code=CC&subproduct_code=AC&cx_nm=CXNAME_CSMPD_MC_CG&sub_channel=WEB&vendor_code=WF

They were my highest initial CL at $8500, until this month, chase went $9,000 on prime .

They also have a $325 sub on checking.

Edit. Their app works well, give you free ex fico9, also your dti.

Some shopping deals, I got 10% at Kroger's.

Re: Opinions/reviews on bread Amex

Kforce — Sun, 20 Jul 2025 18:34:48 GMT

@NoHardLimits wrote:
I've never had the Bread Amex, so I have no feedback for you there. However, I do know that there are many other 2% cards available which have much better reputations (e.g. Fidelity Rewards, Citi Double Cash, Wells Fargo Active Cash, Navy Federal cashRewards Plus, etc.). If you are asking for opinions about your situation, I'd say that you should garden for a little while longer. Once you are 0/12, just about all of the better 2% cards I named above should be within reach.

^^^^ This

I would pass on the "Bread", get a Visa or Master Card..

Need to pick a card with either no FTF or go for welcome bonus.

Don't know of any that give both welcome and No FTF.

STFCU, Fidelity, Navy have No FTF, but no extra $.

USAlliant, WF, City DC, and a lot of others, some with welcome offers and normal FTF charges.

Depends on where you spend, how much, and what you find more important.

Re: Opinions/reviews on bread Amex

NoHardLimits — Sun, 20 Jul 2025 18:45:18 GMT

@Kforce wrote:
@NoHardLimits wrote:
I've never had the Bread Amex, so I have no feedback for you there. However, I do know that there are many other 2% cards available which have much better reputations (e.g. Fidelity Rewards, Citi Double Cash, Wells Fargo Active Cash, Navy Federal cashRewards Plus, etc.). If you are asking for opinions about your situation, I'd say that you should garden for a little while longer. Once you are 0/12, just about all of the better 2% cards I named above should be within reach.
^^^^ This
I would pass on the "Bread", get a Visa or Master Card..
Need to pick a card with either no FTF or go for welcome bonus.
Don't know of any that give both welcome and No FTF.
STFCU, Fidelity, Navy have No FTF, but no extra $.
USAlliant, WF, City DC, and a lot of others, some with welcome offers and normal FTF charges.
Depends on where you spend, how much, and what you find more important.

Navy Federal currently has a $250 SUB with $2,500 spend for both cashRewards products. The offer says it expires on January 1, 2026.

https://www.navyfederal.org/loans-cards/credit-cards/offers/cash-rewards.html

Re: Opinions/reviews on bread Amex

SRT4kid93 — Sun, 20 Jul 2025 19:00:47 GMT

Thanks everyone for the input,

It almost feels like they made the bread Amex invite only just to make it seem more exclusive and make people want it more.

as humans we always tend to want things we can't have. (There's the running joke that men are over looked until they get a girlfriend and then suddenly all the women are interested)

in any case, I don't think bread is the card for me. I was just curious what you all had to say

Re: Opinions/reviews on bread Amex

Bockrocker — Sun, 20 Jul 2025 20:16:16 GMT

@Kforce wrote:
@NoHardLimits wrote:
I've never had the Bread Amex, so I have no feedback for you there. However, I do know that there are many other 2% cards available which have much better reputations (e.g. Fidelity Rewards, Citi Double Cash, Wells Fargo Active Cash, Navy Federal cashRewards Plus, etc.). If you are asking for opinions about your situation, I'd say that you should garden for a little while longer. Once you are 0/12, just about all of the better 2% cards I named above should be within reach.
Need to pick a card with either no FTF or go for welcome bonus.
Don't know of any that give both welcome and No FTF.
STFCU, Fidelity, Navy have No FTF, but no extra $.

Fidelity sends me mailers every few months offering $150 SUB. The url from past public bonuses still seems active though I can't guarantee it, as my mailers always have an offer code on them.

https://www.fidelity.com/go/visa-signature-rewards-1502

Re: Opinions/reviews on bread Amex

Kforce — Sun, 20 Jul 2025 20:16:27 GMT

@NoHardLimits wrote:
Navy Federal currently has a $250 SUB with $2,500 spend for both cashRewards products. The offer says it expires on January 1, 2026.
https://www.navyfederal.org/loans-cards/credit-cards/offers/cash-rewards.html

Thats good info, No FTF and welcome.

Re: Opinions/reviews on bread Amex

ChameleonBob — Sun, 20 Jul 2025 20:33:37 GMT

I just activated my card yesterday and was checking with a rep to make sure I was going to get the $200/$1000/90 days bonus and she told that everyone gets it when opening a card through August. Was also finding out when my statement posts. I added it to my Google Wallet yesterday and it wasn't working today at the store but has worked using it online so maybe it's a glitch at the moment. Reading all over the Internet a lot of people report easy CLI's and high limits. Time will tell for me and if I can get Google Wallet to work it will be smooth sailing.

Re: Opinions/reviews on bread Amex

UncleB — Mon, 21 Jul 2025 01:04:17 GMT

The Bread Amex has targeted pre-approved offers that include a sign-up bonus. The offer they send me is $200/$1k spend (there may be others, but this all I've ever received).

I've been getting the above offer via email and snail-mail almost continuously for the last couple of years. Every time the offer expires, they send a new one.

I don't think it's a bad card, but I have a plethora of 2% cards already (WF Active Cash, Citi DC, NFCU CashRewards+, NFCU Flagship, CareCredit MC, and probably others I've forgotten). I've considered pulling the trigger just for the bonus - and at some point I still might - but right now I have my eyes on other cards.

TL;DR - I don't think this is a bad option, although there are better. I'd wait for an offer with a bonus in any case.