Bread Financial

Bread Financial Holdings, Inc.

About this app

Enjoy a simple way to manage your Bread Cashback™ American Express® Credit Card, Bread RewardsTM American Express® Credit Card, and AAA Visa Signature® credit card accounts on the go.
And, we’re working hard to add more brands to the app soon!

Access your account anytime, anywhere, logging in with the same username and password you use on Account Center. Inside the app, you can make a payment, redeem your rewards, and review transaction history and more—all at your fingertips.

Manage Your Account Easily
- Log in quickly and securely with username/password or biometrics
- Review transactions and statements
- Search recent activity and filter as needed
- Activate your card, add an authorized buyer and lock and unlock your card (for select programs)

Make Payments in a Few Taps
- Set up automatic payments
- Schedule a one-time payment
- Edit or delete a scheduled payment

Get Rewarded as You Shop (for select programs)
- Track your reward earnings
- Redeem in any amount you’d like
- Unlock exclusive offers on our partner site, linked on the app

Enjoy Safe and Secure Communication
- Reach out to us any time through our Secure Message Center

Copyright © 2024 Bread Financial. Comenity Bank and Comenity Capital Bank are Bread Financial companies.

Ratings and reviews

Can't connect HYS account. The Bread site directs you to this app to manage your high yield savings account. I get the impression that there used to be a separate app that no longer exists. I can't do anything with app except get stuck on a screen that demands I add cards that I don't have. I reached out via email listed in the app store to report the problem and never heard back. If there is a separate app to manage savings, it's non existent in the app store.

The cards are great but the app leaves MUCH to be desired. 1) It does not retain biometric selection. I have just tried switching between my 2 cards twice. each time I had to enter UN/PW because it didn't recognize me. Each time, in each card, I reset the Biometric entry switch and the app accepted it but when I log out then try to log in, it's back to UN/PW. 2) I really dislike having a separate login for each card. Why not 1 login with a list of cards after?

8/29/5: This app hardly ever works. edit 8/17/25: I love that Comenity finally has an app, but it doesn't work half the time. I get 'It's not you, it's us' error message. The previous app isn't working now. 🫤 edit: the technical issue has been resolved! this is awesome! thank you! it's great to see all of my cards in one place. glad they finally got an app but it doesn't work. I keep getting 'it's not you, it's us' technical issue errors. I'm sure it'll be awesome once all the kinks are fixed

What’s new

- Minor bug fixes and performance enhancements.