New Card: The Bread Rewards™ American Express® Credit Card

[jason1866]

https://www.breadfinancial.com/en/bread-rewards-credit-card.html

New card by Bread Financial/Comenity

3% on Grocery, Dining, Gas and Utilities is decent

Not sure when it will be open to applications and if there will be a SUB

It could be a good combination using it with it's Bread 2% flat cash back card

[AlanGJP]

Interesting card.

I need a card with something back on utilities...

must... resist...

[UncleB]

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@jason1866 wrote:

https://www.breadfinancial.com/en/bread-rewards-credit-card.html

New card by Bread Financial/Comenity

3% on Grocery, Dining, Gas and Utilities is decent

Not sure when it will be open to applications and if there will be a SUB

It could be a good combination using it with it's Bread 2% flat cash back card

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It also has a 25% boost on rewards any month there are 20 transactions, which makes this even more interesting. 🤔

I have everything well-covered at the moment (and I've been much too adventurous this year for Comenity) so I'll be sitting on my hands, but for the right person this could be a great addition!

[Lou-natic]

What would be really nice is if they let you pool the points with their Bread Cashback card but I doubt that will happen.

@AlanGJP wrote:

Interesting card.

I need a card with something back on utilities...

must... resist...

Have you heard about the US Bank Cash+ card with 5% back on utilities category? There is a $2,000 per quarter cap for the 5% categories though.

[alocksley]

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@jason1866 wrote:

https://www.breadfinancial.com/en/bread-rewards-credit-card.html

New card by Bread Financial/Comenity

3% on Grocery, Dining, Gas and Utilities is decent

Not sure when it will be open to applications and if there will be a SUB

It could be a good combination using it with it's Bread 2% flat cash back card

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Amex Everyday does the exact same thing, only with points

[Lou-natic]

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@alocksley wrote:

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Amex Everyday does the exact same thing, only with points

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AMEX Everyday Preferred is only 3% on groceries with a $6,000 per year cap. Otherwise it's 2% for gas and 1% for everything else. And the AF free AMEX Everyday is even worse. Now granted if you use the card 30 times per month you get a little 50% extra points bonus. But 3% on $6,000 per year grocery spend is only $180 and they are charging you a $95 AF for that.

To put that into perspective I have 2 cards with no AF and $500 per month/$6,000 yearly caps that give me 5% cashback with no other hoops or gotchas involved.

If you apply for them just to get those bonus MRs I get it otherwise I'm not so sure. I think this new Bread card is more than competitive with the AMEX offering all things considered.

[Anonymalous]

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@jason1866 wrote:

https://www.breadfinancial.com/en/bread-rewards-credit-card.html

New card by Bread Financial/Comenity

3% on Grocery, Dining, Gas and Utilities is decent

Not sure when it will be open to applications and if there will be a SUB

It could be a good combination using it with it's Bread 2% flat cash back card

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I think that's a lot better than decent. Two years ago, the NFCU More Reward with uncapped 3% in groceries, dining, gas, and transit was just about the best no AF 3% cashback card out there, since it hit so many high spend categories. But with the refresh of the Amex Blue Cash Everyday to include online spending; the introduction of the Wells Fargo Autograph with 3% in dining, gas, transit, travel, phones, and streaming; and now this new Bread/Comenity card, there's a lot of competition in this space.

Utilities in particular is a fairly rare category, with only a handful of cards that cover it, most prominently those from U.S. Bank and BoA. The 25% bonus sounds like it turns the Bread card into a 3.75% card, which is spectacular. And while the 20 swipes requirement is high, 3% cards work best in 2-3 card setups anyway (pairing one with a flat rate card, as you noted, works very well), which would make hitting the minimum purchases fairly easy.

Though pairing the Bread 2% and 3% cards may be less than ideal, since they're both Amex.

[CreditCuriosity]

Decent card for likely some the 20 swipes to get the boost is rough for people with good/a lot of cards already that have 3-5% dining and utilities of 3-5%, etc..  Some it will work with better than cards they have now.  Not for me.

[NoMoreE46]

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@UncleB wrote:

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@jason1866 wrote:

https://www.breadfinancial.com/en/bread-rewards-credit-card.html

New card by Bread Financial/Comenity

3% on Grocery, Dining, Gas and Utilities is decent

Not sure when it will be open to applications and if there will be a SUB

It could be a good combination using it with it's Bread 2% flat cash back card

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It also has a 25% boost on rewards any month there are 20 transactions, which makes this even more interesting. 🤔

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So the 25% boost on the 5% category (e.g., Utilities)  could make this a 6.25% card?

[Anonymalous]

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@NoMoreE46 wrote:

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So the 25% boost on the 5% category (e.g., Utilities)  could make this a 6.25% card?

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I think you're confusing that with the Cash+ card. The Bread card only has 3% on utilities.