Bread Financial Reviews: Is It Legit?

Bread Financial
Bread Financial
Bread Financial Holdings, Inc.

Customer Experience

Positive experience33.5% of reviews
Neutral8.7% of reviews
Negative experience57.8% of reviews

~ Based on 1,097 written reviews from the US App Store.

What users say about Bread Financial

Is Bread Financial Safe?

Bread Financial appears safe based on user ratings. AppsHunter Safety Score for Bread Financial is 97/100.

This assessment is based on 172,080 user ratings, with an App Store average of 4.8/5.

Safety Analysis

96.2% of ratings point to a safe experience
1.4% of ratings suggest some concerns
2.4% of ratings point to a risky experience

~ Based on 172,005 App Store ratings for Bread Financial.

Is Bread Financial Legit?

Bread Financial appears to be a legitimate app. AppsHunter Legitimacy Score for Bread Financial is 88/100.

Based on 88 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Bad credit card

Absolutely unacceptable experience with Toyota Credit Card. I feel scammed and believe a substantial amount of money was unfairly taken from me. When I contacted customer support, they were rude, and I felt discriminated against because of my accent. No customer should ever be treated this way.

I am furious about both the financial loss and the disrespect I experienced. Based on my experience, I will strongly recommend that everyone avoid Toyota Credit Card. They have completely lost my trust.
Show more

5.10.2 is broken

Something happened to this version. All I get is a white screen and nothing else. Happens with both ipad and iphone versions. Quit the app on both and rebooted to no avail. Please fix!

GARBAGE

this app SUCKS

Cant connect

Hard to connect. I tried to open the Bread Financial app, but it won’t open, it says, there’s a technical error on your part, it says, not me and it’s your end.

Ridiculous

The only app I have that EVERY TIME I open, I have to update the app. Absolutely ridiculous!!!!

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
Show more

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!
Show more

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.

No funciona

El app falla mucho quiero hacer un update porque lo ponen obligatorio y no se puede hacer ademas los rewards de las compras que uno hace tienen como mas de un mes que no funciona aparecen en el app pero no sale el
Codigo de barras

I wish no stars was an option

Literally one of the worst apps there is. It hasn’t allowed me, or anyone it seems for that matter, to log in for weeks now. I’ve updated it, uninstalled and reinstalled. Absolute trash is what it is.

Abysmal app

App is horrible. Everytime i try to sign in, it says, “we have an issue; it’s not you it’s us” and to check back later.. every time. Nine times out of ten it does this.. figure it out

Everything about this card is trash

When you make an additional payment within the payment cycle it brings down your balance but doesn’t count as a payment. Don’t bother yourself by trying to pay early it’s not beneficial towards your reported payments. The app is also trash it seems like something that’s still in beta mode. Never get a Sephora card it’s probably one of the worst ones on the market. If you have other credit cards utilize that and don’t waste your time with a Sephora card. Worst experience ever!
Show more

No longer able to access account

The app used to work for me, but for months i have not been able to access my account as it tells me my information does not match their records. But i can access my account online, which has been quite frustrating for me

Always error logging in

Every time I try to login there is an error. For three months straight. I just end up paying bill online instead of this app. This was suppose to be easier but it’s just frustrating.

Terrible app never logs in

The app won't log in "it isn't you it's us", it just sticks on a white screen and never loads. It's been months. I've reinstalled, which is about my only option. Just terrible.

It’s not you it’s us

Every time I try to open the app, I get a pop up that says “it’s not you it’s us , we’re experiencing technical issues” and I can’t make my card payment. It’s been a few days now. Get it together please!!

Why can’t I log in to 2 accounts

I really wish it would let you stayed logged in to two different cards. I have two different store accounts I use Bread Financial for and I’d really like to be able to see both of them at the same time without logging out. Developers please add this feature!

No, puedo usar mis rewards

96chela