# Barclays US vs Bread Financial

Barclays US and Bread Financial both sit at 4.9 stars, but that hides the real split: 43% of Barclays US's written reviews are positive against 34% of Bread Financial's. Barclays US also leads on device support (3 vs 1) and ratings volume (566K vs 172K). On price, rating, update cadence and ads 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 — 4.9 for Barclays US against 4.8 for Bread Financial. Both are backed by a comparable volume of ratings — 566K and 172K respectively. Written reviews are what separate them: 43% of Barclays US's written reviews are positive against 34% of Bread Financial's.

Barclays US ships an update every 4 weeks, Bread Financial every 2 weeks. Both last shipped on November 5, 2026.

## The numbers

| Metric | Barclays US | Bread Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (566K ratings)](https://appshunter.io/ios/app/barclays-us/id425199399/reviews)** | [4.8 (172K ratings)](https://appshunter.io/ios/app/bread-financial/id1600495551/reviews) |
| Number of ratings | **566K** | 172K |
| Positive reviews | **43.0% of reviews** | 33.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Best chart rank | #85 | **#77** |
| Size | 207 MB | 102 MB |
| Requires iOS | **16.0** | 16.6 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Barclays Bank Delaware](https://appshunter.io/developer/425199402) | [Bread Financial Holdings, Inc.](https://appshunter.io/developer/1257099816) |

## What reviewers say

### Barclays US

[App page](https://appshunter.io/ios/app/barclays-us/id425199399)

**Currently charting:** #85 Top Free · Finance (US App Store)

Manage your accounts securely and conveniently from anywhere. Features include biometric login, digital wallet integration, personalized notifications, and easy transfers. Track spending, access your FICO score, and control your cards with instant locking.

**Highlights:** Biometric login, Digital wallet integration, Personalized notifications, Online transfers, Spend Analyzer, Free FICO Credit Score access, Card control

**Features:** Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient app functionality
- 🔒 Secure app with Face ID/Touch ID login
- 💡 Useful features like tracking credit score

**What reviewers complain about**

- 🐛 Frequent login issues with password and biometrics
- 🐛 Inaccurate balance displays and transaction tracking
- 🐛 Buggy app crashes and performance issues
- 🔍 Lack of push notifications for transactions
- 💻 Outdated and clunky app design

**Reported bugs**

- App crashes after updates
- Login issues with password and biometrics
- Inaccurate balance and transaction display

**Requested features**

- Dark mode option
- Ability to easily pay current balance
- Improved transaction history and balance tracking
- More customization options


### Bread Financial

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

**Currently charting:** #77 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 Barclays US free?

Barclays US 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, Barclays US or Bread Financial?

Barclays US is rated higher. Barclays US averages 4.9 out of 5 from 566K ratings, while Bread Financial averages 4.8 from 172K ratings.

### Do Barclays US or Bread Financial have ads?

Neither Barclays US nor Bread Financial shows ads.

### Which is updated more often, Barclays US or Bread Financial?

Barclays US ships an update every 4 weeks, and Bread Financial every 2 weeks. Most recently, Barclays US was updated on November 5, 2026 and Bread Financial on November 5, 2026.

### Which is more popular, Barclays US or Bread Financial?

Barclays US currently peaks at #85 in the App Store charts, and Bread Financial at #77. 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.*