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The Amex Card You Probably Don’t Know About & Why You May Want It

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Bread Cashback Amex

Bread Cashback Amex

Third party Amex cards are an endangered species.  There simply aren’t many Amex cards issued from other banks.  Naturally, it’s eye-catching when a new one comes on the scene.  Even more surprising is when that card is actually worth obtaining for the rewards benefits.  The Bread Cashback Amex card from Comenity warrants your attention now.  Today, I’ll cover the specifics of the Bread Cashback Amex and why it could be worth picking up.

Bread Cashback Amex Highlights

Card Basics

Let’s get the ugly part out of the way first.  The Bread Cashback Amex has no welcome offer.  Oh, well.  So why am I bothering talking about this card?  Quite simply, it’s a no annual fee card offering unlimited 2% cash back on all purchases.  Amex limits their own Blue Business Cash, to 2% cashback on the first $50k of annual spend (1% thereafter).  Their Blue Business Plus is similarly limited to $50k annual spend in its 2x category.

Bread Cashback Amex

Enter the American Express Serve Card

Perhaps some of you already knew I was headed here.  The Serve card allows users to load funds to their accounts at certain brick and mortar stores, but also online ($1k limit monthly for online loads).  Years ago, Serve decreased the utility of online loads via credit card.  Only Amex cards work for online loads, and Amex’s own products won’t earn rewards on these loads.  However, since Bread is a third party Amex card, it does earn 2% rewards for these loads.  While I don’t hold the card, I’ve received multiple reports that cardholders are receiving rewards for online loads.

Couple this option with what many of us previously know.  Individuals can hold multiple Serve accounts.  Those in two-player mode with a spouse or domestic partner can collectively hold more Serve accounts.  Rewards from online loads with one Serve account is “only” $20 monthly, but holding multiple accounts easily increases the haul.  Factor in that this easily builds up from a few clicks at home, and the value is more difficult to diminish.

Bread Cashback Amex

Amex Offers Access

My wife was recently targeted for the Bread Cashback Amex.  The marketing touts the cards’ access to “American Express merchant offers” – what many of us know as Amex Offers.  Having additional access to these offers with another bank is handy, no doubt.  And speaking of other banks…

Issued by Comenity

I’m a big fan of picking up cards from mid- and lower-tier banks that some may consider obscure.  Often, I can be more creative and aggressive with such entities in comparison to some of the card-issuing heavyweights.  I also love more 2% cash back card options.  The Bread Cashback Amex has both of these traits.  In terms of useful cards issued by Comenity, this one jumps to the top, in my view.


The wife and I aren’t jumping on this card quite yet.  But many hobbyists, particularly Serve enthusiasts, will find this card immediately beneficial.  In general, I’m just happy to see more viable options wherever we can get them, especially for Serve online loads.  But beyond Serve, the Bread Cashback card is a refreshingly simple 2% cash back card with no earning caps or annual fee, plus Amex Offers access.  That’s pretty solid.  Do you have the Bread Cashback Amex?  If so, how has your experience been?

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Benjy Harmon
Benjy Harmon
Benjy focuses on the intersection of points, travel, and financial independence (FI). An experienced world traveler, husband, and father, he currently roams throughout the USA close to expense-free. Benjy enjoys helping others achieve their FI and travel goals.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. TWO for one mailed offer direct from AMEX — Choose Blue Business PLUS or CASH —
    –> (“Plus” = Points — “Cash” = $$$).
    — SIGNUP = 75,000 points OR $750 = IF–>
    — SPEND = 15,000 over 12 Months
    — 2 points or 2% < 50k (+50k = 1%)
    — No fee, Interest 0% 12 mo

  2. So you can load a Serve card with any co-branded Amex card? Because I have a few co-branded Amex cards that I do very little with besides enough to keep them from being closed.

  3. Benjy, your comparison to the Business Blue card is very misleading. It’s apples vs. rotten pears. The Business Blue card earns Membership Rewards points at 2 points per dollar rate, which as you know is much more valuable than the 2% cashback that the Bread card earns. You got me excited for no reason for a minute. Ability to get unlimited 2 points per dollar at no annual fee would be amazing. I’m maxing out 3 Business Blue cards right now and would love to be able to charge more.

    • Jason,
      The only area I compared Blue Business Plus to the Bread Amex is the BBP’s annual spend limit for 2x. Nowhere in the article did I state an unlimited 2 Membership Rewards points per dollar earn rate. Regardless, each individual’s spending volume, Membership Rewards valuation, and redemption preference can vary. Maybe that’s an “apples versus rotten pears” comparison in your situation, but perhaps not for others’.


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