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

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 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?

the app is very easy to use, allow 48-72 hours for payments to process, as is true with many payment apps. do not wait until day of. interface is highly user friendly. I do not use autopay, I prefer to schedule my payments 3 days before the due date, but I schedule them at least a week prior. it doesn't hit my bank until about 24 hours after the due date, but the app shows appropriately, so keep a mental note of your bank balance until the payment processes

What’s new

- Minor bug fixes and performance enhancements.