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

It’s about time (AP)

I been ask for AP for some time scents I open account with you,
But now it’s here it look good

Thank you

deanoaktown

7 months ago

Response from developer

We appreciate your honest review. We are glad to hear you got help. For further assistance visit http://spr.ly/62500jZnRo or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918). ^WA

Perfect Credit Card App

I like it just as much as the Apple wallet app for Apple Credit Card. (Quite a bit)

Bread Financial did a amazing job at fleshing out this app for credit cards, managing it, seeing rewards, and making payments. If you have a credit card that uses this app, I highly recommend you get this app to make it easier for managing your card!

Show less

reaylid

7 months ago

Response from developer

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

Slow updates on Auto Pay payments

This is 2024. Everything is done electronically instantly and automatically. But, this company wants to continue acting like it takes 1-2 billing cycles just to update any setup or change to your automated payments. It’s an obvious scam to hope you forget to pay or have to keep checking to see if your auto pay has kicked in yet. Most people will not remember to check, and be slapped with a late fee. There is no telling how many thousands of dollars this company makes just from this one scam alone. Totally unacceptable! After all, none of my other 11 credit card companies take 1-2 billing cycles to do this. After all, it’s 2024! Did I already say that??!

Show less

WeShallOvercomeNow

7 months ago

Response from developer

Thanks for sharing your feedback, WeShallOvercomeNow. Your response helps us do better. For further assistance visit http://spr.ly/62501j18sf or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918). ^WA

Please add store cards soon

Please add ability to pay/monitor store cards like Ulta and Victoria Secret soon! Paying via app is so much easier than going to the various payment webpages for each card

Gibbsj2016

8 months ago

Response from developer

We appreciate your honest review, Gibbsj2016. We’re always looking for feedback to help us improve. For further assistance visit http://spr.ly/62502Z2Vsr or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918).^SY

Great app terrible features

The app looks great and is very clean. Really enjoy the user interface. The reason for the two stars is because there is not an option for purchase alerts. Hopefully this is fixed soon I saw this is a pretty common theme on the reviews, please listen to your customers and add this feature!

Minimalist Tom

9 months ago

Response from developer

Thanks for visiting! Come back soon. Hi, Minimalist Tom. Thank you for the great suggestion ‒ we really appreciate your input. Our team will take this into consideration as we add new features.

App doesn’t open

Last week or so it takes multiple attempts to get the app to open on my iPhone. Deleted and downloaded again and same problem. Needs a bug fix update please!

Dokedennis

9 months ago

Bank info must be manually entered

Would have gotten 5 stars but Bank info must be manually entered instead of copied and pasted from bank app. Could be more user friendly.

A dub 11000

9 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/62506Xn3Ke or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918).

Rewards card

Yes. As an earlier review points out, this app is great for the Bread Cashback card but doesn’t work for the Bread Rewards card which is a better card.

Savo2