Bread Financial

Bread Financial Holdings, Inc.

About this app

Experience the Bread Financial® app that’s designed with you in mind! Comenity Bank and Comenity Capital Bank are Bread Financial companies. And now you can manage your Comenity® credit cards, anytime and anywhere, with the credit card app featuring some of today’s most recognized brands.

Download the app to securely manage one or multiple accounts more easily! To access your account, sign in with the same username and password you use for Account Center online. If you haven’t registered for online access, you can do that — and more — in the app.

Discover convenient account management:

• Activate your credit card
• Review transactions and account statements
• Add an authorized buyer to your account
• Enroll in paperless statements
• Request a credit limit increase

Make or change a payment with ease:

• Schedule one-time payments
• Set up autopay
• Review your payment history
• Edit or delete a scheduled payment

Track your credit card rewards, if applicable:

• Check your rewards balance
• Redeem rewards in the amount you want
• Connect to exclusive offers for your card

Tap into useful features with select accounts:

• Set up alerts
• Lock or unlock a card
• Transfer another credit card balance

If you need to contact us, you can send us a message through the app’s Secure Message Center.

Looking for the Bread Savings® app? That’s a separate app you can find by searching “Bread Savings” in your app store. But if you’re ready to download the Bread Financial app for credit card management, you’re in the right place!

Copyright ©2026 Bread Financial. Comenity Bank and Comenity Capital Bank are Bread Financial companies.

Ratings and reviews

The customer service is garbage. Usually happens when you farm your call centers to other countries. Was told I could go into a branch without a PIN and get cash back, then I tried it multiple times didn't go through. Then was told I could only work with certain institutions and of course they can't help you with a list or a recommendation. Then the 3rd time was told I needed a PIN when inside of an institution. Closed my account

The card is not a problem. The app is! I am having so much issues using this app. I made payments and were never registered, causing late payments. I called so many times and the customer service representatives helped me fix/change the username, password and I still can't log in. Somehow, the information doesn't match. I have to constantly making calls to check on transactions and making payments. Edited:You asked me to respond in the "Secute message section" You realize that I can't sign in?

This is the WORST app. The navigation is terrible. There's only ONE option listed for you to make payments and it's linked to your account. You aren't given the option to pay using a debit card which can save the borrower & the lender time when processing transactions. If you're reading this review, make some user friendly adjustments to your app. And make sure you ACTUALLY put a contact number on there too. Some people still like to talk on the phone with a live representative.

What’s new

- Minor bug fixes and performance enhancements.