Bread Financial: Your All-In-One Store Card & Rewards Manager

Simplify your shopping and credit management. Securely pay bills, track points from your favorite brands, and take control of your finances in one easy-to-use app.

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Publisher

Bread Financial Holdings, Inc.

See Simplicity in Action

Discover the interface used by 1M+ users.

Bread Financial app logo on a colorful geometric background

Bread Financial app dashboard showing credit card balance and payment options

Bread Financial app interface showing paperless enrollment and face id settings

Bread Financial app interface for redeeming cash back rewards showing a 135 dollar balance and a slider to choose the redemption amount

Interface of Bread Financial app showing payment selection options and a successful payment confirmation screen.

Interface of the Bread Financial app showing the feature to easily lock and unlock a credit card for added security.

Bread Financial mobile app showing current balance and pay button

Smart Management for Your Favorite Brands

The tools that make this app stand out, trusted by 1M+ users.

📱

Centralized Card Hub

Connect all your Comenity-backed store cards in one secure place. No more juggling multiple logins for your favorite retailers.

✨

Instant Reward Tracking

Never let a discount expire. View your rewards balance in real-time and redeem them instantly for the brands you love.

✅

Stress-Free Payments

Stay organized with easy scheduling and Autopay. Manage your budget and protect your credit score with just a few taps.

Loved by users worldwide

Trusted by 1M+ people who love this app.

"Managing my multiple store cards used to be a total headache until I found this app. I love having all my rewards balances from my favorite retailers in one view and the Autopay feature ensures I never miss a deadline. It's the ultimate tool for a savvy shopper."

Sarah Jenkins

"The security features are what sold me. Being able to lock and unlock my card instantly from my phone gives me such peace of mind. Plus, the interface is so much cleaner and faster than using a mobile browser to check my statements."

Marcus Thompson

About the app

Everything you need to know about Bread Financial.

Description

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.

Latest Version

5.1.2

Size

87.4 MB

First Released

Jul 5, 2023

Take Command of Your Credit and Rewards

Join over 1 million savvy shoppers managing their favorite store cards in one secure, easy-to-use app. Download Bread Financial today.

FAQ

Frequently Asked Questions

Everything you need to know about Bread Financial

What is the Bread Financial app used for?

The Bread Financial app manages Comenity Bank and Comenity Capital Bank credit cards. Users can activate cards, review statements, make payments, track rewards, and access security features.

How do I sign in to the Bread Financial app?

Yes, you sign in using the same username and password from your online Account Center. New users can register for online access directly within the Bread Financial app.

Can I make and manage payments with the Bread Financial app?

Yes, the Bread Financial app allows you to schedule one-time payments, set up autopay, review payment history, and edit or delete scheduled payments.

How can I redeem rewards using the Bread Financial app?

Yes, the Bread Financial app allows users to check their rewards balance and redeem rewards in the amount they want. It also connects to exclusive offers for their card.

Can I lock my credit card using the Bread Financial app?

Yes, for select accounts, the Bread Financial app provides a feature to lock or unlock your card. Locking your card prevents purchases until you unlock it.

Does the Bread Financial app support paperless statements?

Yes, the Bread Financial app supports paperless statements. You can enroll in paperless statements directly within the app for convenient digital account management.