Bread Savings review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bread Savings suits US card holders who spend most weeks on the same card and want cashback rather than points. The interest rate is the trade-off, running 15.49% to 26.99% on balances, so the card works for spending that is paid off in full rather than for borrowing.
Key facts
- Best for
- US card holders who want 2% unlimited cashback and pay their balance in full each month.
- Annual fee
- $0↗
- APR
- 15.49% to 26.99%↗
- Currency conversion fee
- 0%↗
- Rewards type
- Cashback↗
- Rewards rate
- 2% unlimited↗
- Cashback rate
- 2%↗
- Card kind
- Credit↗
- Legal entity
- Comenity Bank↗
- Headquarters
- United States↗
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- breadfinancial.com
Savings
- Deposit protection
- FDIC up to USD 250,000↗
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Cashback of 2% unlimited comes on every purchase, with no cap on how much can be earned.
- Money left on deposit sits with Comenity Bank under FDIC up to USD 250,000.
- The issuing bank is an FDIC member in the US, so the savings side sits with an insured institution.
Cons
- Borrowing on the card is expensive: the APR runs 15.49% to 26.99% on carried balances, well above what the reward rate can offset.
- It is a US card from US, so it does not serve readers shopping the UK and European market.
Who it suits
- US residents who pay their card off in full and want cashback rather than points or miles.
- People who keep savings and spending with the same institution, since Comenity Bank stands behind both.
Who should look elsewhere
- Applicants without a credit history, for whom the Varo Believe Secured Credit Card at 0% is the steadier starting point.
- Readers holding money in several currencies, who will find Wise's £0 annual fee easier to weigh against spending abroad.
- Eurozone customers after an everyday current account, where bunq's annual fee of €0 comes with banking rather than rewards on spend.
How Bread Savings compares
- 9.4 vs 8.6
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 8.5
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 8.7
9.4 vs 9.2
9.4 vs 8.7
9.4 vs 9.3
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 8.8
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 8.7
9.4 vs 9.4
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 8.6
9.4 vs 8.5
9.4 vs 8.3
9.4 vs 9.5
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.1
9.4 vs 9.1
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.8
9.4 vs 8.8- 9.4 vs 8.8
9.4 vs 8.7
9.4 vs 8.7
9.4 vs 8.7
9.4 vs 8.7
9.4 vs 8.7
9.4 vs 8.6
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.4- 9.4 vs 8.0
9.4 vs 8.0
9.4 vs 8.0
9.4 vs 8.0- 9.4 vs 8.0
9.4 vs 9.1
Where Bread Savings is available
- Available
- United States
- Licence in United States
- FDIC (FDIC cert 27499), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Bread Savings card charge?+
The annual fee is $0 and the currency conversion fee is 0%, so holding the card and spending abroad both come without a charge. The reward is 2% back on purchases, paid as cash with no cap.
Is my money safe with Bread Savings?+
Deposits are held by Comenity Bank in the US and carry FDIC up to USD 250,000. The card is separate: a credit card, so money owed on the card is credit rather than a deposit and that cover does not reach it.
What interest do I pay if I carry a balance?+
The APR runs 15.49% to 26.99% on the card, so carried balances are expensive to hold. Cashback of 2% does not come close to covering that rate, which makes the card a spending tool for balances paid off in full rather than a borrowing product.
What rewards does the card pay?+
Rewards are cashback, 2% unlimited on spending with no cap on the amount earned. Rewards are also the only listed feature of the card, so the rate is the whole offer rather than part of a wider programme.
Which market does Bread Savings serve?+
Bread is a US product: the card is issued by Comenity Bank, which is based in the United States, and the bank carries FDIC insurance on the deposit side. UK and European applicants are outside that market, so a local card usually fits better.
How does the card score against other cards on cost?+
Its cost score is 7.1 and its offer score is 6.8, drawn from an overall 7 out of ten. Fees carry the cost picture, while the 15.49% to 26.99% on balances is the drag on it.
Is Bread Savings a savings account as well as a card?+
The savings side is a deposit with Comenity Bank covered by FDIC up to USD 250,000, while the card is a credit card with an annual fee of $0. Same bank, separate products, and the deposit cover sits on the savings side alone.
Should a first-time cardholder choose something else?+
If credit history is thin, the Varo Believe Secured Credit Card is built differently, charging 0% on a secured balance. Bread's 15.49% to 26.99% range suits applicants with credit already in place, and the cashback only rewards balances cleared in full.
Sources
- banks.data.fdic.gov/bankfind-suite/bankfind/details/27499 checked September 26, 2026
Backs: Headquarters, Legal entity, Licences, Deposit protection
“CERT=27499; NAME=Comenity Bank; WEBADDR=savings.breadfinancial.com; ACTIVE=1”
- breadfinancial.com/en/bread-financial-cashback-card.html checked September 26, 2026
Backs: Annual fee, APR, Card kind, Cashback rate, Features, Currency conversion fee, Pricing model, Rewards rate, Rewards type
“no annual fee”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Bread Savings
US card holders who want 2% unlimited cashback and pay their balance in full each month.