# MySynchrony vs Bread Financial

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.

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

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.

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

## The numbers

| Metric | MySynchrony | Bread Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (111K ratings)](https://appshunter.io/ios/app/mysynchrony/id1280992496/reviews) | [4.8 (169K ratings)](https://appshunter.io/ios/app/bread-financial/id1600495551/reviews) |
| Number of ratings | 111K | **169K** |
| Positive reviews | **81.9% of reviews** | 34.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Best chart rank | **#24** | #81 |
| Size | 205 MB | 102 MB |
| Requires iOS | 18 | **16.6** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Synchrony Financial](https://appshunter.io/developer/989262152) | [Bread Financial Holdings, Inc.](https://appshunter.io/developer/1257099816) |

## What reviewers say

### MySynchrony

[App page](https://appshunter.io/ios/app/mysynchrony/id1280992496)

**Currently charting:** #24 Top Free · Finance (US App Store)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/bread-financial/id1600495551)

**Currently charting:** #81 Top Free · Finance (US App Store)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**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

**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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*