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

Check boxes

The check boxes in the app do not respond right away or are too small for my finger.
Anyway, I had to tap them multiple times to get them to work.

gregarius33.3

6 months ago

Response from developer

Thanks for sharing your feedback, gregarius33.3. Your response helps us do better. For further assistance visit http://spr.ly/62504elQEu or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918).

Mobile App

So glad you finally got the mobile app. It makes it so easy to keep taps on spending especially when traveling.

Great Travel Card

7 months ago

Response from developer

Thank you Great Travel Card for reaching out to Bread Financial and sharing this wonderful review!

Great App!

Frankly, enjoyed the old Comenity App for its ease of use and easy layout. When I saw the update to go to the new Bread App this month, via a download from the App Store, I was less than happy. But, I love the new App! It’s got the same bones, but it’s newer and fresher. Super easy to navigate and very responsive. Like a bright shiny new car. Great job! 💛

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Kate's Faves

7 months ago

Response from developer

Thank you Kate's Faves for reaching out to Bread Financial and sharing this wonderful review!

Love the new app!

I’ve been a big fan of bread rewards for a couple years now, but I’ve always thought the website was hard to manage through A mobile phone. With the new mobile app, checking balances and making payments and also cashing rewards is super easy. Great work!

sprdave85

7 months ago

Response from developer

Thank you sprdave85 for reaching out to Bread Financial and sharing this wonderful review! ^BR

Decent card

They were one of the first cards to give me a limit over $2,000 when I was rebuilding my credit which really shot my score up and qualified me for far better offers. Trouble is then you start taking offers and wind up like me with 25 cards and accounts plus a mortgage and thank Godess no car payment at the moment. But rewards are excellent for a mid range credit qualifying card. If you have a 600 or 590 try it they just might give it to you and improve your credit !

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tnbohinri

7 months ago

Response from developer

Thanks for sharing your feedback, tnbohinri. Your response helps us do better. For further assistance visit http://spr.ly/62507d43Bz or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918). ^BR

Payment over the phone

Never miss a payment before I did call to make a payment why’d it not went through don’t know this is bull

Jacee 1991

7 months ago

Response from developer

Thanks for sharing your feedback, Jacee 1991. Your response helps us do better. For further assistance visit http://spr.ly/62506jAnNQ or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918). ^WA

App doesn’t work and no app support

I just downloaded this app and added my card. So far so good. But when I try to log into my account I get the “It’s not you it’s us” message others have reported. I’ve been getting this for several days. When I click on the app support, it takes me to Bread Financial’s website and there are no options for this app. Likewise, I’ve called the number the “developer” lists in other reviews for help. There are 2 options and neither are for app support. Picking either one (and hoping to get a human) gives me a recorded message and then the system hangs up. I’ll delete this app and continue using the website. As others have said - it’s 2024 - you can’t make an app that actually works?

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Where’dTheTimeGo

7 months ago

Response from developer

We’re sorry to hear we did not meet your expectations. Thanks for sharing this important feedback. For further assistance visit http://spr.ly/62508jCzwi or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918). ^WA

Very very difficult to find my account online

Since switching to the new card I am always wasting about 30-40 minutes trying to sign in to either the wrong account or the website doesn’t work. Very poor infrastructure. And of course because of this I wind up paying my bill late which I thought I had already scheduled but probably on the wrong site. Annoying

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Wells Never Sleeps

7 months ago

Response from developer

Thanks for sharing your feedback, Wells Never Sleeps. Your response helps us do better. For further assistance visit http://spr.ly/62506jCJpM or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918). ^WA

Bread Financial

I have a few different credit cards thru Comenity, I wish the NFL CARD had a mobile app to make payments easier…..

slugswife

7 months ago

Response from developer

Thanks for sharing your feedback, slugswife. Your response helps us do better. For further assistance visit http://spr.ly/62503jCJ6T or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918). ^WA

About Time!

I’ve had my AAA Visa through BoA and they sold the account to Comenity Bank in Oct. 2022 all this time I had to go into my email to access account to pay on line. Thank you for catching up with EVERY other financial institution

Chrissyd64

7 months ago

Response from developer

Thanks for sharing your feedback, Chrissyd64. Your response helps us do better. For further assistance visit http://spr.ly/62509jjgOU or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918). ^WA