Comparison

MySynchrony vs Bread Financial

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

MySynchrony

Securely manage your credit card accounts in one place. This app allows you to view balances, make payments, review transactions, and manage bank accounts. It also offers access to partner deals and financial education resources.

Highlights
  • Manage credit cards in one place
  • Secure biometric login
  • Schedule and manage payments
  • Check balance and credit limit
  • Review transaction history
  • Access partner deals and offers
  • Financial education blog
Features
Currently charting
Read full description

Download the MySynchrony App today to securely manage your credit card accounts* all in one place. With this mobile app you will be able to: • Manage your Synchrony issued credit cards in one place • Log in securely using Biometric Authentication • Schedule and manage payments for your accounts • Check your balance and credit limit anytime, anywhere • Review your transaction and payment history • View your statements and manage your statement delivery preference • Securely add or delete multiple bank accounts that you'd like to use to pay your bill • Explore the Synchrony Marketplace for savings, deals, and offers from our partners nationwide, online, or right in your neighborhood • Access the Finance 101 blog to stay in the know on tips to better manage your finances • Discover answers anytime with our 24/7 Knowledge Center for cardholder resources. • Provide us feedback on your mobile app experience. Let us know how we can help and what’s working. We are here for you.   (For Synchrony Bank Savings accounts, please visit our Synchrony Bank App.) *Credit cards issued by Synchrony, not including Venmo, PayPal Extras, PayPal Credit, TJMaxx/TJX, eBay Extras

About

Bread Financial

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.

Highlights
  • 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
Currently charting
Read full description

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.

Screenshots

MySynchrony4 screens
Bread Financial4 screens

Verdict

The call

MySynchrony and Bread Financial both sit at 4.8 stars, but that hides the real split: 82% of MySynchrony's written reviews are positive against 34% of Bread Financial's. MySynchrony also leads on chart position (#24 vs #81). Bread Financial's advantage is iOS requirement (16.6 vs 18). On price, rating, ratings volume and update cadence there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for MySynchrony against 4.8 for Bread Financial. Both are backed by a comparable volume of ratings — 111K and 169K respectively. Written reviews are what separate them: 82% of MySynchrony's written reviews are positive against 34% of Bread Financial's.

UpkeepUpdate frequency

MySynchrony ships an update every 3 weeks, Bread Financial every 2 weeks. Both last shipped on September 25, 2026.

Scorecard3 real differences · 8 level
MySynchrony versus Bread Financial: the parameters behind the verdict, then further details
ParameterMySynchronyBread Financial
PriceFreeFree
Rating4.8 (111K ratings)4.8 (169K ratings)
Positive reviews81.9% of reviews — better34.3% of reviews
Number of ratings111K169K — better
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#24 — better#81
DevicesiPhone, iPad — betteriPhone
Requires iOS1816.6 — better
Further details — not scored
Size205 MB102 MB
Age rating4+4+
DeveloperSynchrony FinancialBread Financial Holdings, Inc.

Customer experience

MySynchrony

All ratings110,922 ratings
Positive96.7%
Neutral0.9%
Negative2.3%
Written reviews2,559 reviews
Positive81.9%
Neutral1.8%
Negative16.3%

Bread Financial

All ratings168,901 ratings
Positive96.2%
Neutral1.4%
Negative2.4%
Written reviews1,038 reviews
Positive34.3%
Neutral8.8%
Negative56.9%

User reviews

MySynchrony

From 111K App Store ratings

What we love

  • 👍 Easy to use
  • 👍 User-friendly
  • 👍 Convenient
  • 👍 Streamlined payment process
  • 👍 Helpful for managing multiple accounts

Room to improve

  • 🐛 App crashes or freezes
  • 🐛 Login issues
  • 🐛 Inconsistent account information
  • 🐛 Difficulty adding or managing accounts
  • 🐛 Unreliable payment processing

Bread Financial

From 169K App Store ratings

What we love

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

Room to improve

  • 🐛 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

Bugs and requests

MySynchrony

Reported bugs

4 issues
  • Delayed payment updates
  • Incorrect account balance information
  • Compatibility issues with older devices
  • Inability to remove closed accounts from the app

Requested features

5 requests
  • Ability to view all accounts in one place
  • Option to set up automatic payments
  • More detailed transaction history
  • Improved notification system
  • Ability to update personal information within the app

Bread Financial

Reported bugs

4 issues
  • 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

Requested features

5 requests
  • 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

In-app purchases

None

MySynchrony

No in-app purchases

None

Bread Financial

No in-app purchases

Questions

Is MySynchrony free?
MySynchrony is free to download, with no in-app purchases.
Is Bread Financial free?
Bread Financial is free to download, with no in-app purchases.
Which has better reviews, MySynchrony or Bread Financial?
MySynchrony and Bread Financial are both rated 4.8 out of 5 on the App Store, from 111K and 169K ratings respectively.
Do MySynchrony or Bread Financial have ads?
Neither MySynchrony nor Bread Financial shows ads.
Which is updated more often, MySynchrony or Bread Financial?
MySynchrony ships an update every 3 weeks, and Bread Financial every 2 weeks. Most recently, MySynchrony was updated on September 25, 2026 and Bread Financial on September 25, 2026.
Which is more popular, MySynchrony or Bread Financial?
MySynchrony currently peaks at #24 in the App Store charts, and Bread Financial at #81. Chart position reflects recent download velocity rather than total install base.

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