Bread Financial

Bread Financial

Manage Your Comenity Cards

153K ratings
934 reviews
#78 in free Finance
💰 Finance
Free

Details

  • Released
  • Updated
  • July 5, 2023
  • July 29, 2026
Bread Financial video #1 for iPhone
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About

Manage your Comenity credit cards securely and conveniently. Track transactions, make payments, view statements, and redeem rewards. This app allows for easy account management and access to exclusive offers.

Activate credit cards
Review transactions and statements
Schedule and manage payments
Track and redeem rewards
Request credit limit increase
Lock or unlock cards
Transfer balances
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What users say

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What's New in Bread Financial

5.7.2

July 29, 2026

Minor bug fixes and performance enhancements.

Charts

Top Free

📈 78+4

Finance

This app rose +4 positions in Finance chart.

Last updated on August 8, 2026.

User reviews

Kindness

I am so pleased with customer service,the lady stayed on the phone helping me with all the electronics needed for my account.Great service!

Impossible to register my aaa card

I click on the appropriate aaa card and add the card number. It something to the effect of no card found. Did this 4 times with same result. I give up.

App

I love the app. It’s very easy to make my payments.

Payment

Very convenient

Avoid at all costs

I made the mistake of creating a finance account with these guys when I purchased my German Shepherd puppy. Not only was I lied to about 6 months interest free on my loan (which I fully intended to pay off before then), but when you try to send chats to the account services people they take 2 days to respond. As if that’s not bad enough, you will almost certainly have your chat from someone different every time they respond and apparently the new chatter is incapable (or unwilling) to read your chat log. So you receive the same advice or have to explain your situation multiple times and then wait 2 days between each interaction. But nevermind all of that because when I found out there would be interest on my loan (which was promised to me to be 6 months interest free) I promptly paid the entire balance off including the interest my loan accrued. Well guess what an entire month later my account accrued interest yet again, this time on a $0 balance. Now I get to try to deal with them through that. Wish me luck. Stay far away from these people if you can.
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User experience

🐞

Reported Bugs

4 issues

Login issues and inability to access accounts

Bug

Disappearing transaction history and payment records

Bug

Delayed or inconsistent automatic payment updates

Bug

Compatibility issues with certain devices or operating systems

Bug

Requested Features

5 requests

iPad app support

Feature

Push notifications for transactions

Feature

Ability to view credit score within the app

Feature

More robust payment plan options

Feature

Direct deposit for reward redemption

Feature

FAQ

What can I do with the Bread Financial app?

The Bread Financial app allows you to securely manage your Comenity credit cards. You can activate new cards, review transactions and statements, make or change payments, track and redeem rewards, request credit limit increases, and even lock or unlock your card.

Is the Bread Financial app free to use?

Yes, the Bread Financial app is free to download and use. There are no in-app purchases or advertisements mentioned in the app's description.

How do I sign in to the Bread Financial app?

To access your account in the app, you will sign in using the same username and password that you use for your Account Center online. If you haven't registered for online access yet, you can do so directly within the app.

Can I manage multiple credit cards with this app?

Yes, the app is designed to help you securely manage one or multiple Comenity credit card accounts more easily. You can access and manage all your eligible cards through a single login.

What if I need to contact customer support?

If you need assistance, you can send a message directly to customer support through the app's Secure Message Center. This provides a convenient and secure way to get help with your account.