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Yes, that's right. However, you can still enjoy all the benefits that the Amex payment network provides such as Amex Offers, Entertainment Access, dining discounts, purchase protection, and ID theft insurance. Other than that, the Bread Cashback™ American Express® Credit Card allows you to earn 2% cash back when you use the card. Also, there are no rewards caps and no categories to manage.

You may find more credit cards with cash back rewards. For example, you may want to consider cash back credit cards with no annual fees. Don't forget to read Terms and Conditions carefully before applying for any card.