Cash back · American Express · No annual fee
Last verified 2026-09-09. Review issuer source
Comenity Bread Rewards American Express is a no-annual-fee cash back card from Comenity. Its best everyday rates are 3% on dining, 3% on gas stations, and 3% on grocery stores; everything else earns 1%.
On our reference budget of $24,600 a year it returns about $486, an effective 2% back.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Earn 3% on dining
Earn 3% on gas station purchases
Earn 3% on grocery store purchases
Earn 3% on utility purchases
No welcome bonus is stored for this catalog entry yet.
Earn 25% extra points when you use your Bread Rewards™ Card 20 or more times on purchases in a billing cycle.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Bread Rewards™ American Express®This card · 3% on dining | None | $486 | +$486 | 295th of 1,291 |
| AAA Travel Advantage Visa Signature®Comenity's most-held other card · 5% on gas stations | None | $594 | +$594 | 12th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
