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Hi, we’re Bread Financial

We’re a tech-forward financial services company. We provide simple, personalized payment, lending and saving solutions.


If you’re looking for Comenity or Alliance Data, you’re in the right place. Let us reintroduce ourselves!

The Bread Cashback™ American Express® Credit Card puts more in your pocket

Earn cash back rewards every day.1 Plus, get peace of mind with American Express purchase protection, ID theft insurance and more.2
Unlimited cash back on purchases.1
Annual Fee and no Foreign Transaction Fees. Review rates, fees and more.3

Buy now, pay later

Online and in-store, buy the things you want now and pay over time with Bread Pay™.




Save for your best life with 

Bread Savings

Get access to high-yield savings accounts and certificates of deposit at some of the most competitive rates† in the industry.

Explore more cards

Get the brand exclusive offers and benefits you've been looking for. Open and use one of our credit cards today!

AAA Visa Signature® credit cards

$100 cash back paid as a statement credit.¹

NFL Extra Points Visa® Credit Card

$100 cash back. Paid as a statement credit.¹

Victoria’s Secret Mastercard® Credit Card

$25 off your first Victoria’s Secret purchase¹

Ulta Beauty Rewards™ Mastercard® Credit Card

20% off your first Ulta Beauty purchase.¹