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Bread Financial

Bread Financial

Manage Your Comenity Cards

172K ratings
1071 reviews
#84 in free Finance
💰 Finance
Free

Details

  • Released
  • Updated
  • July 5, 2023
  • October 5, 2026

Developer

Bread Financial Holdings, Inc.
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📉no. 84
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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

Summarized from real user reviews of Bread Financial. Based on 172K reviews and a 4.8/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Easy to use
  • 💡Convenient app for managing credit card
  • 👍Well-organized and intuitive interface
  • 🚀Smooth and responsive app
  • 👍Clean and modern design

Negative things

  • 🐛Frequent technical issues and app crashes
  • 🔒Security and privacy concerns
  • 👎Poor customer service and support
  • 👎Limitations in payment and reward redemption options
  • 🔒Lack of two-factor authentication
See all reviews
+1

What's New in Bread Financial

5.10.1

October 5, 2026

Minor bug fixes and performance enhancements.

Charts

Top Free

📉 84-6

Finance

This app dropped -6 positions in Finance chart.

Last updated on October 9, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Updates every time I need to use it

Every month I pay my bill and the app needs to update every time I log in. Also, constantly trying to sell me some credit overdraft or missed payment protection. I wanted a Ford card to save money on oil changes, not a credit nanny trying to overcharge the finically illiterate with a busted app.
ThereeldafishThereeldafish

The updates

The app runs smoothly, but requires an update literally every other day!!! Annoying that I can’t bypass the update to handle business.
Update marathonUpdate marathon

Horrible app

This app is never working.. multiple login issues. App needs to be updated every week.
E7 EngineeringE7 Engineering

Unprofessional

They are gonna put you through hell to get a refund/dispute, where you find out new information every time you call and they mistakenly file something wrong.
FoabekFoabek

Updates

Every single time I sign in, needs to be updated. Every week there's just updates. I don't want to update every time i opened the app and sometimes just want to check balance and that's it. Annoying

10-03-2026

Still updates are enforced and literally super annoying. If I had the choice to use different banking service I would!
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FatarayyFatarayy
See 1066 more reviews

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.