Bread Financial

Bread Financial

Manage Your Comenity Cards

172K ratings
1092 reviews
#78 in free Finance
💰 Finance
Free

Details

Released
July 5, 2023
Updated
October 19, 2026
Bread Financial video #1 for iPhone
Bread Financial screenshot #2 for iPhone
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Bread Financial screenshot #8 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 about Bread Financial

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What's New in Bread Financial

5.10.2

October 19, 2026

Minor bug fixes and performance enhancements.

Charts

Top Free

📈 78+4

Finance

This app rose +4 positions in Finance chart.

Last updated on October 29, 2026.

User reviews

Horrible App -takes away from aaa’s great benefits

This app is the worst. The app does not allow for a running total on the line item view.

The apps customer service is the worst, and god forbid you make a payment to a fraudulent sight. 9/10 customer service just says it sucks to suck… maybe I was just pampered as a broke college kid with the Discover app.

The visa aaa rewards of 5% back at groceries is great, however missing the line item total with weird add on charges that don’t make sense, actually costs me more then the 5% cash back saves.👎

Also I can’t zoom in on the statement view, when viewing last months statement in the app on an iPhone. Another annoying design of this app.

If they fixed these 3 things, aaa
would be one of the best Credit cards out their for me. However due to my horrible experience with the app, this card will be locked and put away until the app improves or it gets canceled from lack of use
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Cant connect

Hard to connect

Good but could be better

It’s very helpful to have all of the related cards in one app. However, having to log out and login to every single card is a pain in the neck. Take a look at some of the other apps synchrony, etc. You only have to login once to access all of your cards.

Worse Credit Card App

This app needs fixing. I have the AAA credit card and the balance doesn’t update when I pay the balance and I can’t do a direct deposit with my rewards. This is the worst online banking experience I have ever had. I need to call customer service to transfer my reward money into my checking account and ask for my balance amount. I don’t think this app has been updated since I downloaded it. If you’re a developer reading this, please fix it. This is the only app I can use to manage my AAA credit card and it’s driving me crazy!
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Not being able to log into a different card!

When I sign out of one card and go to log into a different card it looks like it’s loading but a pop-up appears and it says, ‘It’s not you it’s us’. Get’s very frustrating especially since it happens more often than not.

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.