Bread Financial User Reviews

Bread Financial

Bread Financial Holdings, Inc.

Finance

Reviews Summary

Positive highlights

⭐

This app hasWell-organized and efficient app

⭐

This app hasEasy to use and navigate

⭐

This app hasIntuitive and modern design

⭐

This app hasAbility to track rewards and account details

⭐

This app hasConvenient for making payments

⭐

This app hasHelpful for managing multiple cards (if supported)

Negative highlights

🕰️

This app hasSlow updates on automatic payments

🔒

This app hasSecurity concerns with potential hacking incidents

❌

This app hasInconsistent login issues and app not working for some users

❌

This app hasLack of customer support and communication channels

❌

This app hasLimited features like purchase alerts and credit score tracking

❌

This app hasDifficulty managing multiple cards within the app

❌

This app hasStrict payment due dates and cutoff times

Top reviews

Most RecentHighest RatedLowest Rated

Payment Due Date

Why can’t BreadRewards AMEX be like any other credit card company? If a payment is due on July 7th, then your customers should be allowed to make payment by 11:59p on July 7th. Why should your customers remember that payment should be posted by 5p on their due date; if not, then a late payment will be assessed. This just makes me to use your card less, especially when other companies have better rewards for purchases. Just so disappointed……

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sidvicious517

5 months ago

Response from developer

Hi, sidvicious517. Thank you for your review. We're glad to hear you were able to get what you needed. If we can assist you with anything else, please visit http://spr.ly/625069oSC4 or call 1-855-796-9632 (TDD/TTY:1-888-819-1918). We're always happy to help. ^WA

One way mirror/ No way to contact

This app is about seeing activity and paying, if you have a problem there’s no way to communicate with a human or a chat bot in real time. A message submitted says 48 Hours to reply. What year is this? I really appreciate fraud detection, I truly do. Sending me an alert via the app is great - but then a dead-end. Yo have to navigate calling internationally in my case (from an airport). At bare minimum please plop a button in here that connects users to a human to provide real service.

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CTEMA

5 months ago

User id information

Today I got the new Bread Amex credit card, I was able to get activated it and setup online account so for it’s went good. While logins my account(App and website ) it’s showing up user id or password is incorrect. I tried to reset online but it says “”sorry we are unable send OTP by text or email “ with out OTP how it possible to get in to the online account??? After multiple attempts, made call to customer care people they suggest wait for one week for update my account. My bad is that works in current world we in 21st. Century.

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Shagarla

5 months ago

Response from developer

Hi, Shagarla. Thank you for sharing your feedback. We want our customers to love everything about their card, and feedback like yours helps us do better for everyone. If there's anything we can do to help, please visit http://spr.ly/625009nfom or call 1-855-796-9632 (TDD/TTY:1-888-819-1918).

Payment made today was easy

Glad I was able to pay in full before I ran outta cash to even make this payment possible 🤬

FABFOUR5150

5 months ago

Response from developer

Thank you, FABFOUR5150. We're so happy to have you as a customer.

Squirrely if you have multiple cards

Doesn’t show as a tabbed interface permitting access to each card after log in. Must log in separately to access each card. And selecting card before log in difficult with touch interface. The interface only intermittently recognizes touch to select new card Other banking apps have single login to see all cards. Update should strive to get to industry standard

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S pud ster

6 months ago

Response from developer

Hi, S pud ster. Thank you for sharing your feedback. We want our customers to love everything about their card, and feedback like yours helps us do better for everyone. If there's anything we can do to help, please visit http://spr.ly/62504gpogm or call 1-855-796-9632 (TDD/TTY:1-888-819-1918).

Well organized

Well organized efficient card and app, only suggestion need more generous credit lines for established customers and some lines for small businesses from $500k-$900k - especially for existing customers, otherwise great always recommend!

GmarshallNYC

6 months ago

Response from developer

Hi, GmarshallNYC. Thank you for giving us such a wonderful review. It means a lot to hear our hard work made a great experience for you. ^WA

About time!

I am so pleased to have this easy to use app.
I have been wanting for an app to this account for a long time.
I never had a phone app with Comenity. That made it more difficult to keep track of this account.
I am trilled! Y’all are now on my financial page.
Thank you

KWILSO10

6 months ago

Response from developer

Hi, KWILSO10. Thank you for giving us such a wonderful review. It means a lot to hear our hard work made a great experience for you. ^WA

Easy to use

I was offered this card when I went to AAA for trip information. I was going in vacation to Texas and I used this card for all my hotel and gas purchases. I could check my balance daily and it was very easy to set up my bank information and pay my bill. I will use this card for most of my transactions. Thank you

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Bryanandmegan

6 months ago

Response from developer

Hi, Bryanandmegan. Thank you for giving us such a wonderful review. It means a lot to hear our hard work made a great experience for you. ^WA

alert !

i WAS happy to see that an app for my bread rewards account had finally came out, but i would soon to find out that with in the next day my hard was hacked into and also my information was stolen.

not sure if it was a coincidence or what but feels like it’s starting to be a domino affect from downloading the app.

also customer service is not the greatest and i have also been wait on an authorized user card for months. i have requested twice already and nothing is ever sent.

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raerae_08

6 months ago

Response from developer

Thank you for sharing your feedback, raerae_08. Comments like yours help us understand how we can improve so we can provide an even better customer experience going forward. If we can help you with anything, please visit http://spr.ly/62502ethvE or call 1-855-796-9632 (TDD/TTY:1-888-819-1918). ^WA

Nice and Not So Nice

App worked great for the first few months, easy to navigate all info clearly provided. But for the last week when the app is opened all I get is a white screen. No notice of any issue from the provider, glad the website still works to access my account.

CollieDog

6 months ago

Response from developer

Thank you for sharing your feedback, CollieDog. Comments like yours help us understand how we can improve, so we can provide an even better customer experience going forward. If we can help you with anything, please visit http://spr.ly/62509esqwf or call 1-855-796-9632 (TDD/TTY:1-888-819-1918).