The Bread Rewards (Bread Financial / Comenity Bank) is a personal credit card from Bread Rewards (Bread Financial / Comenity Bank). The annual fee is None (no annual fee). The ongoing APR is Variable, typically around 20.99% - 29.99% after a 0% introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Rewards: Variable points / reward structure — part of “Bread Rewards” program.. Cash back: 2% unlimited cash back on purchases. This product reports activity to your personal credit report. [SOFT PULL ONLY] | Pre-qualification available (soft pull). BT Fee: Greater of $10 or 5% of amount transferred. | EXPERT REFERENCE (Apr 2025): Bread Rewards American Express Credit Card offers 3X points on gas, groceries, dining, and utilities, plus 1X points on other purchases. | EXPERT REFERENCE (Apr 2025): No annual fee and no foreign transaction fees. | EXPERT REFERENCE (Apr 2025): Includes American Express Offers, purchase protection, and ID theft insurance. | EXPERT REFERENCE (Apr 2025): Victoria's Secret card approved with Experian score of 600, limit $250.