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 app is functional for it's purpose, UI is easy to navigate. But I cannot open my statements when I download them. Every time, it says the file is damaged. I have multiple other financial apps that download pdf statements with zero issue, leading me to believe it's something from Bread. To get my statements, I have to login from my laptop. Very frustrating, which is why I gave only three stars.

I hate the website to make payments and it is my preferred way to pay. I just once again got in a password reset loop that would not work! And you want to charge a fee for mailed statements that would make easy pay easier! I too am hesitant in using comenity credit cards for these very reasons. Thank goodness this app worked. I had to update it but had set it up previously. Funny thing the password i reset online did work.

has caused me to be embarrassed 3 times at the register. I will make a payment, the app CLEARLY shows my available credit, and then I get declined at the register in front of a line full of people. When you call the number on the credit card, they tell you their account shows the same available credit, but you have to wait 24 hours, or 10 days. Either the app is broken, the company is broken, or there needs to be a class action lawsuit. called Bread today. once again not fixed after 3 months

What’s new

- Minor bug fixes and performance enhancements.