Bread Rewards® American Express® Credit Card vs Truist Enjoy Cash Secured
Truist Enjoy Cash Secured earns more in 5 of the 6 categories we track. Neither has an annual fee.
The basics
| Detail | Bread Rewards® American Express® Credit Card | Truist Enjoy Cash Secured |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Bread Rewards Points | Cash Back |
| Each point is worth | 0.50¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | — | — |
What each earns
| Category | Bread Rewards® American Express® Credit Card | Truist Enjoy Cash Secured |
|---|---|---|
| Gas Stations | 1.5% 3x | 3.0% (higher) 3x, up to $1,000 |
| EV Charging | 0.5% 1x | 3.0% (higher) 3x, up to $1,000 |
| Groceries | 1.5% 3x | 2.0% (higher) 2x, up to $1,000 |
| Utilities | 1.5% 3x | 2.0% (higher) 2x, up to $1,000 |
| Dining & Restaurants | 1.5% (higher) 3x | 1.0% 1x |
| Everything else | 0.5% 1x | 1.0% (higher) 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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