Bread Rewards® American Express® Credit Card vs U.S. Bank Cash+® Visa Signature® Card

Bread Financial

U.S. Bank

Annual Fee

No Annual Fee

Card Type

Personal

Rewards Currency

Bread Rewards Points

Cash Back

Point Value

0.50¢/pt

1.00¢/pt

Base Earn Rate

Welcome Bonus

—

$200 after $1,000 in 90 days

Effective return by category

Category	Bread Rewards® American Express® Credit Card	U.S. Bank Cash+® Visa Signature® Card
Utilities	1.50% 3x	5.00% 5x · $2,000 cap
Internet & Cable	0.50% 1x	5.00% 5x · $2,000 cap
Streaming	0.50% 1x	5.00% 5x · $2,000 cap
Phone & Wireless	0.50% 1x	5.00% 5x · $2,000 cap
Department Stores	0.50% 1x	5.00% 5x · $2,000 cap
Electronics Stores	0.50% 1x	5.00% 5x · $2,000 cap
Gym & Fitness	0.50% 1x	5.00% 5x · $2,000 cap
Rideshare & Transit	0.50% 1x	5.00% 5x · $2,000 cap
Entertainment	0.50% 1x	5.00% 5x · $2,000 cap
Card Travel Portals	0.50% 1x	5.00% 5x
Groceries	1.50% 3x	2.00% 2x
Dining & Restaurants	1.50% 3x	2.00% 2x
Gas Stations	1.50% 3x	2.00% 2x
Everything else	0.50% 1x	1.00% 1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?