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

UI is decent but the app has all sorts of bugs. whenever I try and login with biometrics there's about an 80% chance I get an "oops we don't recognize you" and have to reset my biometrics, and now the app has deleted my payment account but won't let me add that payment account back as it's already in the list? and I checked, the payment account is still there on the site, the app just can't find it apparently

I'm glad that there's an app for my Comenity accounts but the one thing that is EXTREMELY annoying is that it automatically logs you out after 15 minutes. A little timer came up and it kicked me out, even though I closed it out. I understand it doing this if the app was idle but I was actively checking my settings and boom, out it went. It doesn't matter if you were in the middle of doing something. So be aware that if you are taking more than 15 minutes, it will kick you out.

This isn't a great app. You will have to wait for a code everytime you login. None of my other financial institutions require a password and a code every time. If you have more than one card, you have to create a separate login for each card - again, no one else does that. What a pain. As others have said, the early payment time is also a pain. I work to pay my bills, and I'm working when the early payment due time arrives. Automatic payments are not an option. I manage my money, not you.

What’s new

- Minor bug fixes and performance enhancements.