# Bread Financial — Manage Your Comenity Cards > Mobile app for managing Comenity credit cards and associated financial accounts. (iPhone/iPad app by Bread Financial Holdings, Inc..) - Source: https://appshunter.io/ios/app/bread-financial/id1600495551 (this page in markdown: same URL + `.md`) - Developer: [Bread Financial Holdings, Inc.](https://appshunter.io/developer/1257099816) - Category: Finance - Price: Free - Rating: 4.80/5 from 161,575 App Store ratings · 973 written reviews indexed - Age rating: 4+ - Requires: iOS 16.6 · 98 MB - Languages: American English - Released: 2023-07-05 - Data updated: 2026-08-29 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/bread-financial/id1600495551/reviews.md ## What is Bread Financial? Experience the Bread Financial® app that’s designed with you in mind! Comenity Bank and Comenity Capital Bank are Bread Financial companies. And now you can manage your Comenity® credit cards, anytime and anywhere, with the credit card app featuring some of today’s most recognized brands. Download the app to securely manage one or multiple accounts more easily! To access your account, sign in with the same username and password you use for Account Center online. If you haven’t registered for online access, you can do that — and more — in the app. Discover convenient account management: • Activate your credit card • Review transactions and account statements • Add an authorized buyer to your account • Enroll in paperless statements • Request a credit limit increase Make or change a payment with ease: • Schedule one-time payments • Set up autopay • Review your payment history • Edit or delete a scheduled payment Track your credit card rewards, if applicable: • Check your rewards balance • Redeem rewards in the amount you want • Connect to exclusive offers for your card Tap into useful features with select accounts: • Set up alerts • Lock or unlock a card • Transfer another credit card balance If you need to contact us, you can send us a message through the app’s Secure Message Center. Looking for the Bread Savings® app? That’s a separate app you can find by searching “Bread Savings” in your app store. But if you’re ready to download the Bread Financial app for credit card management, you’re in the right place! Copyright ©2026 Bread Financial. Comenity Bank and Comenity Capital Bank are Bread Financial companies. ## Key features - 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 ## Chart rankings - #69 in Top Free · Finance (US App Store) ## What do users think of Bread Financial? Overall sentiment: negative **Pros** - 🚀 Easy to use - 💡 Convenient app for managing credit card - 👍 Well-organized and intuitive interface - 🚀 Smooth and responsive app - 👍 Clean and modern design **Cons** - 🐛 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 **Commonly reported bugs** - Login issues and inability to access accounts - Disappearing transaction history and payment records - Delayed or inconsistent automatic payment updates - Compatibility issues with certain devices or operating systems **Most requested features** - iPad app support - Push notifications for transactions - Ability to view credit score within the app - More robust payment plan options - Direct deposit for reward redemption ## Recent user reviews (10 of 973) All indexed reviews: https://appshunter.io/ios/app/bread-financial/id1600495551/reviews.md ### 1/5 — Worst app ever *2026-08-25, version 5.8.2* This app is horrible! Locks me out because of wrong password. When I do lost password and try to re enter the password it says is wrong, it says can’t use same password. Some one needs to hire a professional to fix this app instead of their cousin that dabbles in computers ### 5/5 — Kudos *2026-08-25, version 5.8.2* Excellent thread and customer care ### 3/5 — Statement credit *2026-08-24, version 5.8.2* Confusing. When I took the statement credit last time the bank should tell you it is for the next billing cycle otherwise when you automatic pay they take out of my checking more than I thought ### 5/5 — Update/yay!! *2026-08-24, version 5.8.2* So glad you put facial recognition on my Burlington credit card site. I’ve had nothing but nightmares trying to login forgetting my password, not finding the Burlington app, forgetting that it was Bread and not Commetety bank, blah blah blah so much easier now. ### 1/5 — If it isn’t broke, don’t fix it. *2026-08-24, version 5.8.2* The update broke the app. This app constantly has upsets and causes it to be a pain to use at times, but I like when it works, just annoying having to upset it once a month when I’m simply trying to check something. Don’t fix it if it isn’t broke. Here again to update the review because I’m required to update the app for probably the 100th time in two years. August 24th, another update. ### 3/5 — Clean but picky *2026-08-24, version 5.8.2* Fairly easy to use app. Love that always updating, but irritating that I can’t log in until I update. An update with minor bug fixes and performance updates shouldn’t lock me out of the app or force an update via network instead of WiFi. This seems to happen every time to every other time I try logging in. This behavior does not occur with any of my other applications, where I can log in and do my business then update afterwards. ### 1/5 — Hard to access different cards *2026-08-24, version 5.8.2* Why do i have to have a different login for different store cards? Should be able to link them all under the same user name and password. ### 1/5 — Horrible app *2026-08-24, version 5.8.2* You’ll need to update it every other day. ### 3/5 — Antiquated *2026-08-24, version 5.8.1* •The app is slow. •The app has a very antiquated feel in the way it operates. •The app in not very user friendly. • The app could use a total overhaul and modernization. ### 1/5 — App *2026-08-22, version 5.8.1* Website is always logging out and so every time I have to reload card number and now it doesn’t even work with loading number. Got it to work but very inconvenient. ## Frequently asked questions about Bread Financial ### 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. ## Version history (last 5 releases) ### 5.8.2 — 2026-08-24 Minor bug fixes and performance enhancements. ### 5.8.1 — 2026-08-10 Minor bug fixes and performance enhancements. ### 5.7.2 — 2026-07-29 Minor bug fixes and performance enhancements. ### 5.7.1 — 2026-07-13 Minor bug fixes and performance enhancements. ### 5.6.2 — 2026-06-29 Minor bug fixes and performance enhancements. ## Apps similar to Bread Financial | App | Rating | Price | Category | | --- | --- | --- | --- | | [Mercury Cards](https://appshunter.io/ios/app/mercury-cards/id1445557038) | 4.8 (108,155) | Free | Finance | | [Concora Credit](https://appshunter.io/ios/app/concora-credit/id6449258739) | 3.0 (1,435) | Free | Finance | | [Avant](https://appshunter.io/ios/app/avant/id1578316983) | 4.8 (111,087) | Free | Finance | | [Bread Savings](https://appshunter.io/ios/app/bread-savings/id1418641581) | 4.7 (6,085) | Free | Finance | | [Fortiva Account Center](https://appshunter.io/ios/app/fortiva-account-center/id1300379323) | 2.1 (82) | Free | Finance | | [Imprint App](https://appshunter.io/ios/app/imprint-app/id1570296831) | 4.9 (25,769) | Free | Finance | ## Related topics [bread](https://appshunter.io/ios/topics/bread) · [sephora credit card](https://appshunter.io/ios/topics/sephora-credit-card) · [bread financial](https://appshunter.io/ios/topics/bread-financial) · [bread pay](https://appshunter.io/ios/topics/bread-pay) · [aaa visa signature credit card](https://appshunter.io/ios/topics/aaa-visa-signature-credit-card) · [good sam credit card](https://appshunter.io/ios/topics/good-sam-credit-card) · [comenity credit card](https://appshunter.io/ios/topics/comenity-credit-card) · [comenity bread financial](https://appshunter.io/ios/topics/comenity-bread-financial) · [maurices credit card](https://appshunter.io/ios/topics/maurices-credit-card) · [zales](https://appshunter.io/ios/topics/zales) · [zales credit card](https://appshunter.io/ios/topics/zales-credit-card) · [burlington credit card](https://appshunter.io/ios/topics/burlington-credit-card) · [comenity bank](https://appshunter.io/ios/topics/comenity-bank) · [kay jewelers credit card](https://appshunter.io/ios/topics/kay-jewelers-credit-card) · [bread financial credit card](https://appshunter.io/ios/topics/bread-financial-credit-card) · [ross credit card](https://appshunter.io/ios/topics/ross-credit-card) · [comenity caesars rewards visa](https://appshunter.io/ios/topics/comenity-caesars-rewards-visa) · [caesars rewards credit card](https://appshunter.io/ios/topics/caesars-rewards-credit-card) · [comenity aaa credit card](https://appshunter.io/ios/topics/comenity-aaa-credit-card) · [bread payments](https://appshunter.io/ios/topics/bread-payments) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*