Help center

Get answers to your questions.

    Topics

    Credit cards

    Browse card basics and get support.

    You can manage your account online through Account Center. Search for your specific card to get started. If you’re having an issue registering for online access to Account Center, check the following:

    • Be sure you’re on the correct Account Center for your credit card. Search for your card to reach the right Account Center, and select the Registration button.
    • Confirm that you're entering the correct account number, which can be found on your credit card.
    • Be sure you're entering the primary cardholder’s Social Security number, Social Insurance number, or alternate ID.
    • Check that you’re entering the primary cardholder’s ZIP or postal code.
    • If you recently requested a change to your account, please wait 48 hours before trying to register again.
    You’ll sign in through Account Center for your specific card. You can get started by finding your credit card account.

    Here are some options for making your credit card payment:

    • You can make an online payment once you’ve registered your account for online access. After registering, you can manage your account online through Account Center for your specific card. When you’re ready to sign in to Account Center, you can get started by doing a quick search for your credit card.
    • If you haven’t registered your account yet, you can still make an online payment using Comenity’s EasyPay, which is available in Account Center. With EasyPay, you’ll just need to enter your account number and a few details to help us find your account.
    • You can also mail a payment to the address listed on the back of your credit card or on your billing statement. For information on phone payments, you can call 1-855-796-9632 (TDD/TTY: 1-888-819-1918). A fee may apply for phone payments.
    You can add an authorized user to your account as the primary cardholder. Sign in to Account Center or call the number on the back of your card to get started. If you ever need to look for the Account Center for your card, you can do a quick search for your credit card.

    You can get quick access to secure electronic statements and other account communications in Account Center. Once your credit card account is registered on Account Center, you can sign in and go to the Account menu. Then, select the Paperless option from the dropdown menu to get started.

    To manage your paperless settings after enrolling, sign in and select Manage Account from the Account menu. Then, you can manage your paperless setting within Account Features.

    To protect your account’s security, please call us immediately at the phone number on the back of the credit card or on your billing statement. You can also find the number by searching for your card and visiting Account Center.

    If you have a Visa® or Mastercard®, you may also lock your credit card if needed. To lock the card, sign in to Account Center and select Card Settings from the main navigation menu, then select the Lock/Unlock tab. From here, you can lock or unlock a Visa or Mastercard.*

    *Visa® is a trademark owned by Visa International Service Association and used under license.

    Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.

    After registering your account online, you can reach out to Customer Care using Secure Message Center within Account Center. If you ever need to get to Account Center, you can start by finding your credit card.  You can also contact us by phone using the number on your billing statement or the back of your credit card.

    When visiting Account Center, you’ll find information on a range of help topics, and review frequently asked questions about your credit card.

    Yes, we’re happy to provide assistance. Please call us at the Customer Care number found on the back of your card or your statement. The phone number is also displayed at the bottom of any Account Center page for your card. Find your card to get started.
    You can search by credit card name and access your account agreement.

    Loans

    Explore buy now, pay later plans and Bread Loan information.

    Buy now, pay later

    Bread Pay™ is a financing solution that helps you make online and in-store purchases with easy, pay-over-time payments. Bread Pay products include Bread Pay™ Installment Loans and Bread Pay™ SplitPay loans.

    Bread Pay™ Installment Loans are monthly financing plans offering terms ranging from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your eligibility, credit quality, and options offered by our retail partners.

    For smaller purchases, you may be eligible for our Bread Pay™ SplitPay loan which splits your purchase into four interest-free payments made every two weeks.

    With Bread Pay, there are no origination fees or prepayment penalties.

    While a retail partner may offer Bread Pay™ products in certain U.S. territories or Caribbean countries, the products are only available to U.S. citizens residing in the United States.
    Bread Pay™ Installment Loans and Bread Pay™ SplitPay loans are made by Comenity Capital Bank, a Bread Financial™ company.
    Comenity Capital Bank, the lender for Bread Pay™ pay-over-time products, may report repayment information to consumer reporting agencies.
    To dispute any information Bread Financial™ has reported to a credit bureau, please contact the credit agency directly.
    You may have to contact each credit agency (Equifax, Experian, TransUnion, LexisNexis/Sagestream, and Innovis) to remove the freeze on your credit reports. Once the freeze has been lifted, you should be able to complete your Bread Pay™ application.
    We’re sorry, prepaid mobile phone numbers can’t be used when applying for Bread Pay™ products.
    If you’re having trouble receiving your verification code, please wait a few minutes before requesting a new one. The phone number you provide should be a mobile number that can receive text messages. If your code still hasn’t arrived after 5 minutes, please select “Resend code” to request a new code. For additional help, please contact our Member Support team.
    You can review your account balance in the Bread Financial™ Member Portal.

    A confirmation email was sent on the date of your purchase. You can search for the confirmation email we sent to the email address you used to apply for a Bread Pay™ plan. We suggest that you search using the retailer’s name or for the phrases “thank you for paying with Bread” or “thank you for paying over time with.”

    Upon locating the email, either follow the link to the Bread Financial™ Member Portal or select the Set Up AutoPay button. (You will not be required to set up AutoPay.)

    If you cannot find the email with these searches, please contact our Member Support team.

    To add a third-party contact to your account, please contact our Member Support team.
    To update your email address or phone number, log in to the Bread Financial™ Member Portal and navigate to the Account page. Then, select the Edit button next to your contact information to update it. You may also contact our Member Support team to update your information for you.
    For help, you can contact our Member Support team by phone or email.

    A Bread Pay™ Installment Loan helps you make online or in-store purchases with participating retailers with repayment options that fit your budget.

    Terms range from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your credit qualifications.

    Bread Pay Installment Loans are not subject to late fees, origination fees, or prepayment penalties.  

    You can apply for a Bread Pay™ Installment Loan online or in store with any of our participating retail partners. When you select Bread Pay™ as your payment method during checkout, you’ll have the chance to review your loan details. If you’re eligible, you’ll be presented with installment plan options available to you. Simply select a payment plan, accept the terms, and then complete your purchase to check out with Bread Pay.
    Checking your eligibility and applying for a Bread Pay Installment Loan won’t affect your credit score as only a soft inquiry is completed. Comenity Capital Bank, the lender for Bread Pay products, may also report repayment information about your loan to credit reporting agencies, which could impact your credit score.

    If you’re a legal U.S. resident who meets your state’s age of majority (the age that your state of residence defines as required to legally enter into a contract), you’re eligible to apply — provided your creditworthiness and identity can be verified. You must also have a valid mobile number and email address.

    Bread Pay™ products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S., as well as within some U.S. territories and Caribbean countries.

    If we were unable to approve you for a Bread Pay™ Installment Loan, you’ll receive a notice within 24 hours at the email address on file that outlines the reason for the denial.
    Yes. Safeguarding your information is of the highest importance to us. We’re committed to keeping your personal information secure through data encryption.

    We recommend using the camera on your mobile device to take a photo of your U.S. driver’s license or state ID. Please note, passports, passport cards, non-U.S. IDs and expired IDs are not accepted.

    If you intend to upload the image through your mobile device, you can take the photo of your license or ID card using that device's camera. If you’re using a desktop computer, we recommend you take the photo using a mobile device, and then upload the image to your computer.

    Here are some additional tips:
    • Place your ID on a dark, non-reflective surface.
    • Be sure the ID barcode is clearly visible in the photo, without blurriness or glare spots.
    • Both the front and back of ID will need to be uploaded. 
    • Your photo needs to be uploaded in PNG or JPG file format that’s 10MB or less.

     

    Once your photo has been uploaded and your identity is verified, you can return to checkout and place your order with Bread Pay™.

    The annual percentage rate or APR is the cost of credit as a yearly rate. You may have been offered an APR that ranges from 0% to 29.99%, depending on your creditworthiness. During the application process for a Bread Pay™ Installment Loan, your APR is shown in the Truth In Lending Disclosure attachment. Once your loan is initiated, you can also review your loan’s APR in the Bread Financial™ Member Portal.

    Our bank affiliate, Comenity Capital Bank, determines your APR based on a variety of factors. These include your credit history and credit score, the amount financed, and length of your loan term.

    Once you accept the terms of your Bread Pay™ Installment Loan, you won’t be able to change them. That said, we do accept early payments without penalties or fees.
    At this time, your Bread Pay™ Installment Loans can’t be consolidated as each loan has a specific checkout amount and corresponding loan agreement.
    Whether you can put money down will depend on the policies in place where you are shopping. If your order total exceeds your approved loan amount and the retailer accepts down payments, you’ll be able to select your loan repayment plan and then enter your card information to pay the remaining cart total. If the retailer does not accept down payments, you’ll be prompted to lower the amount in your cart to continue using Bread Pay™.
    You can make payments on your Bread Pay™ Installment Loan by ACH electronic transfer from your bank account or by using a personal debit card. We can’t accept credit cards, business debit cards, bill pay service, or mail-in checks. Additionally, we can't accept Flexible Spending Account (FSA) or Health Savings Account (HSA) payment cards because we’re not designated as a health services retailer. Please note, payments must be received by 5:00 pm Eastern Time (ET) on your due date.

    Your first payment will be due approximately 30 days from the date the retailer settles your order. We'll send you an email once your loan starts that includes your monthly payment date and monthly payment amount. You can view your payment schedule online in the Bread Financial Member Portal.

    Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.

    You can make a payment online in the Bread Financial™ Member Portal. Navigate to your homepage and select Make a Payment. You can also make a payment by contacting our Member Support team.

    Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.

    You can update your payment method in the Bread Financial™ Member Portal. Navigate to your account page, select the Payment Information tab, select Connect new account, then enter your new payment method. You can also contact our Member Support team to update your payment information.
    Unfortunately, we’re unable to change your payment due date.
    If your payment is not submitted on time, your account will be past due. Please note, payments must be received by 5:00 pm Eastern Time (ET) on your due date. Paying late may impact your eligibility for Bread Pay™ Installment Loans in the future. Our team may be able to give you a payment extension. To check your eligibility, please contact a Payment Specialist at 1-888-805-6653.

    Yes, you can pay early online in the Bread Financial™ Member Portal. Navigate to your homepage and select Make a Payment. There are never penalties or fees for paying early. Any prepayments will go directly towards your next installment payment. Once the next installment payment is covered, any excess amount is applied to your principal balance. You can also make a payment early by contacting our Member Support team.

    Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.

    You can enroll in AutoPay in the Bread Financial™ Member Portal. Navigate to your homepage and select Enroll in AutoPay. You can also contact our Member Support team to enroll in AutoPay over the phone.
    The retailer that you placed your order with can help you check on the status of your order. We recommend that you reach out to them directly.

    We are sorry to hear that your order arrived damaged. Since Bread Financial™ is a third-party in your purchase, we recommend that you reach out to the retailer directly about merchandise issues. Please note that payments are still due on your loan until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer will be credited to your account, which will reduce your balance.

    If the retailer doesn’t respond  to your communication, or acts outside of their listed policy, please contact our Member Support team

    Please contact the retailer directly regarding merchandise issues, order delivery, cancellation and return requests, or any other questions about the status of your order. If the retailer doesn’t respond to your query, or acts outside of their listed return or cancellation policy, contact our Member Support team.

    Depending on the retailer you purchased from, our team may be able to open a formal order dispute on your behalf with the retailer. If we’re able to do so, we'll need the following:
    • Evidence of your correspondence with the retailer showing how you attempted to resolve the issue
    • The amount being disputed
    • A description of the items disputed and nature of the dispute
    • Picture evidence if the order dispute is due to incorrect or damaged products

     

    If we open an order dispute with the retailer, it may take up to 90 days to reach a resolution. If you checked out in-store with a Bread Pay™ virtual card, it may take up to 120 days to reach a resolution.

    All order disputes must be initiated within 30 days of your loan origination date.

    Please note that payments are still due on your loan until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer should be credited to your account, which will reduce your balance

    If an order cancellation or refund is issued for more than your current account balance, you’ll receive a credit to the default payment method on file.

    It may take 7 to 10 business days after the order cancellation or refund is processed for the credit to appear in your bank account.

    If a partial refund is issued for more than your current account balance, you’ll receive a credit to the default payment method on file within 7 to 10 business days.  

    If a partial refund is less than your current account balance, you’ll receive a credit towards your balance within 7 to 10 business days. Your scheduled monthly installment amount won’t change with the exception of the last one. The number of remaining payments due may also decrease.

    To cancel or return your order, please contact the retailer directly. All order cancellations and returns are subject to the retailer's policies. If the retailer issues a refund, your account status and balance will be adjusted accordingly.

    You may still have an outstanding balance after a refund has been processed. If so, this balance may consist of accrued interest, restocking fees, or return shipping fees. Please check the retailer’s cancellation/refund policy to determine if these fees apply to your order.

    Any refunds issued for more than your current account balance will result in a credit being issued to the default payment method on file. The credit may take 7 to 10 business days from the date the order cancellation is processed to appear on your bank account.

    If your requested order cancellation or return is not reflected on your Bread Pay™ account, please contact the retailer directly to check on the status of your request.

    Please refer to the most recent email we sent containing your loan information. Upon locating the email, follow the link to the Bread Financial™ Member Portal. This will direct you to the correct login page.

    If you cannot find the email with your loan information, please contact our Member Support team.

    Loan documents can be found in the Member Portal under your Loans Payment Plan Details tab. You will find your Personal Loan Agreement and Truth in Lending Disclosure there.

    If your loan was recently moved to this Member Portal, please contact our Member Support team.

    Bread Pay™ SplitPay is a buy now, pay later plan that can help you buy the things you want now and pay it off later with four interest-free payments. Available for online or in store shopping with any of our participating retail partners, Bread Pay™ SplitPay can be used to pay for purchases between $50 and $1,500.

    Your first payment is due at the time of purchase. Your remaining three payments will be automatically processed every two weeks until your order is paid off.

    With Bread Pay SplitPay, there are no late fees or prepayment penalties.

    You can apply to use Bread Pay™ SplitPay to pay for your purchase online or in store with any of our participating retailers. During checkout, simply select Bread Pay™ as your payment method to check your eligibility and choose a payment plan that works for you.

    With Bread Pay SplitPay, there are no late fees, origination fees, or prepayment penalties.

    Typically, the value of your Bread Pay™ SplitPay purchase must be between $50 and $1,500. However, this amount may vary by retailer.
    For your first purchase using Bread Pay™ SplitPay, you’ll need to pay your balance in full before completing another SplitPay order. If you decide to use Bread Pay SplitPay in the future, you may be eligible to have more than one order at a time.

    When you check out with Bread Pay™ SplitPay, a temporary authorization hold may be placed on your debit or credit card for the second payment. Depending on your financial institution, this hold could remain on your card for up to seven days.

    If you have any questions about this authorization hold, please contact your financial institution.

    Yes. After your first payment is processed during checkout, your remaining three payments will be taken out in three equal amounts every two weeks until your order is paid off.

    Your first payment is due during checkout. Your remaining three payments will be automatically processed every two weeks until your order is paid off.

    We'll send a payment reminder email 10 days before your due date and another email 3 days before the funds are removed from your account.

    You can pay with your personal debit card or credit card for all Bread Pay™ SplitPay purchases. We can’t accept payments through ACH, bank transfer, or prepaid debit cards at this time.

    Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.

    If your automatic payment fails on your due date, we’ll charge your payment method again the next day for the amount owed. If this first retry fails, we’ll add the original payment amount to your next scheduled payment. We’ll continue to retry your payment method until the last payment.

    If your payments continue to fail and your Bread Pay™ SplitPay account remains delinquent, you may no longer be eligible to use Bread Pay SplitPay for future purchases. This may also affect your credit since Bread Financial reserves the right to report to the credit bureaus in the future.

    Your Bread Pay™ SplitPay due dates can’t be changed after the dates are established and communicated during checkout.
    Unfortunately, our team is unable to modify your Bread Pay™ SplitPay order in any way once it’s already been processed. You’ll need to cancel your order with the retailer and place a new one.

    After the retailer processes your return, a partial or full refund is automatically applied to your Bread Pay™ SplitPay plan.

    For partial refunds, we’ll deduct the amount from your last scheduled payment first. For example, if you made a purchase of $1,000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you have already made these payments, we would refund the appropriate amounts.

    After the retailer processes your return, a partial refund will be issued on your transaction and your Bread Pay™ SplitPay balance will decrease accordingly. Any remaining installments will be adjusted, starting with your last installment and moving backward.

    For example, if you made a purchase of $1,000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you’ve already made these payments, we would refund the appropriate amounts.

    Any payment refunds will be credited to your default payment method.

    Please contact the retailer directly regarding merchandise issues, order delivery, cancellation and return requests, or any other questions about the status of your order. If the retailer doesn’t respond to your communications, or acts outside of their listed return or cancellation policy, contact our Member Support team.

    Depending on the retailer you purchased from, our team may be able to open a formal order dispute on your behalf with the retailer. If we’re able to do so, we'll need the following:
    • Evidence of your correspondence with the retailer showing that you attempted to resolve the issue
    • The amount being disputed
    • A description of the items disputed and the nature of the order dispute
    • Picture evidence if the order dispute is due to incorrect or damaged merchandise

     

    If we open an order dispute with the retailer, it may take up to 90 days to reach a resolution. All order disputes must be initiated within 120 days of your SplitPay order origination date.

    Please note that payments are still due until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer will be credited to your account, which will reduce your balance.

    Sezzle® is a payment solution that gives you the freedom to shop online using buy now, pay later technology. Bread Financial™ partners with Sezzle® to provide additional monthly financing options to consumers through our affiliated bank, Comenity Capital Bank. For more information about Sezzle®, you can visit their Shopper Help Center.

    You can apply for monthly financing, powered by Bread Financial™ through the website of select Sezzle® retail partners. When you're ready to purchase, select Sezzle® at checkout, enter your information, and choose Monthly Payments as your payment schedule.

    If you’re eligible, you’ll be presented with sample payment plan options available to you. Simply select a payment plan you’d like, and once you’re done shopping, proceed to checkout to complete your purchase and check out with Bread Pay™.

    Yes, you can prepay anytime for all or part of your loan. There’s never a penalty for paying early. Please note, payments must be received by 5:00 pm Eastern Time (ET) on your due date.

    To change, cancel or return your order, please contact the retailer directly. All order cancellations and returns are subject to the retailer's policies. If the retailer issues a refund, your account status and balance will be adjusted accordingly.

    You may still have an outstanding balance after a refund has been processed. If so, this balance may consist of accrued interest. Please check the retailer’s cancellation/refund policy to learn more.

    Any refunds issued in excess of your current account balance will result in a credit being issued to the original payment method used. The credit may take 7 to10 business days from the date the order cancellation is processed to appear in your bank account.

    For shipping information, please check directly with the retailer.

    We’re sorry that your order arrived damaged. Since Bread Financial™ is a third-party that’s financing your purchase, we recommend you reach out to the retailer directly about merchandise issues.

    A damage report with the retailer takes time to resolve, so while your situation is being worked on, please be sure to continue timely payments on your loan. All payments must be received by 5:00 pm Eastern Time (ET) on your due date. Any refunds from the retailer will be credited to your account, which will reduce your balance.

    If the retailer doesn’t respond to your communications, or acts outside of their listed policy, please contact Sezzle® Shopper Support.

    Please contact the retailer directly regarding the products ordered, the delivery of your items, a requested cancellation or return, or any other questions about the status of your order items. If the retailer doesn’t respond to your communications or acts outside of their listed return or cancellation policy, please visit your Sezzle® Dashboard to request help.
    • Log in to your Sezzle® dashboard using a web browser.
    • Go to your Orders tab and select  View Order next to the order in question.
    • Select Get Help with this Order on the bottom of the page.
    • Follow the prompts in the form that appears and select Open.

     

    Once the Sezzle® team receives this form, they will evaluate your situation and update you with the next steps within 2 to 3 business days.

    You’re required to make payments on your Bread Pay™ account until the retailer resolves your issue or Sezzle® resolves an order dispute in your favor. Please note, payments must be received by 5:00 pm Eastern Time (ET) on your due date.

    For more information, please review Sezzle’s® order dispute policy or contact Sezzle® Shopper Support.

    A Bread Pay™ one-time use card is a virtual card that can be used to shop in-store with any of our participating retail partners.

    Once you’ve been approved for a Bread Pay™ Installment Loan or Bread Pay™ SplitPay plan, you can have the loan amount loaded onto your virtual card to pay for your purchase. Your virtual card can only be used once and is valid for seven days after your application is submitted.

    To generate a virtual card in-store, scan our QR code, which you can find throughout the retailer’s store or at the register. Once you're ready to check out, just add your virtual card to your digital wallet, and then tap-to-pay with your mobile phone at the register.

    Most retailers who accept contactless payments will accept a Bread Pay virtual card. If the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate to complete your purchase. 

    Based on your eligibility and the retailer that you’re shopping with, you’ll have two options to pay for your purchase: a Bread Pay™ Installment Loan or a Bread Pay™ SplitPay plan.

    A Bread Pay™ Installment Loan helps you make online or in-store purchases at participating retailers with repayment options that fit your budget. Terms range from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your eligibility.

    Bread Pay Installment Loans are not subject to late fees, origination fees, or prepayment penalties.  

    Bread Pay™ SplitPay is a buy now, pay later plan that can help you buy the things you want now and pay it off later with four interest-free payments. Available for online or in store shopping with any of our participating retail partners, Bread Pay™ SplitPay can be used to pay for purchases between $50 and $1,500.

    Your first payment is due at the time of purchase. Your remaining three payments will be automatically processed every two weeks until your order is paid off.

    With Bread Pay SplitPay, there are no late fees or prepayment penalties.

    If you’re a U.S. resident who meets your state’s age of majority (the age that your state of residence defines as required to legally enter into a contract), you’re eligible to apply— provided your creditworthiness and identity can be verified. You must also have a valid mobile number and email address.

    Bread Pay™ products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S., as well as within some U.S. territories and Caribbean countries.

    Once you’ve been approved for a Bread Pay™ plan, your one-time use virtual card can be used in-store with that participating retail partner.
    The amount you can spend in-store with your virtual card is based on your eligibility and the payment plan that you select. If you qualify for a Bread Pay™ Installment Loan or a Bread Pay™ SplitPay plan, you'll be presented with the maximum amount you can spend after you apply.

    If the retailer accepts contactless payments, you'll be prompted to add your virtual card to your digital wallet. On the Add Card to Wallet screen, select the wallet for your device, either Apple Wallet or Google Pay. After successfully adding the card to your wallet, your card is ready to use. Please remember to select your Bread Pay™ virtual card as your payment method at the register.

    Most retailers who accept contactless payments will accept a Bread Pay virtual card. In the rare event that the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate.

    Yes! Digital wallets use multi-layered security to keep your card information safe. Your personal information is never shared with the merchant or stored on the mobile device. Checkout is fast and simple – with added peace of mind.

    If you’re having trouble locating your virtual card, first you’ll want to check your digital wallet on your mobile phone to see if the card has been successfully added. If you still can’t find it, go to your Bread Pay™ application to try readding the card to your digital wallet or access your card details.

    When adding your virtual card to your mobile device, please be sure to use an Apple or Google device with the latest version of iOS/Android. Inactive or out-of-date devices that are selected in push-provisioning could delay adding your card to your digital wallet.

    If you’re having trouble adding your virtual card to your digital wallet, please visit Apple Pay Support or Google Pay Support.

    Most retailers who accept contactless payments will accept a Bread Pay virtual card. In the rare event that the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate.

    Yes, you can make returns that are subject to the retailer's return policy.

    When making a return, if your virtual card is still in your digital wallet, you'll be prompted to tap it at the register to process your refund.

    If your virtual card is no longer in your digital wallet, you can access your card details in the Bread Financial™ Member Portal or by contacting our Member Support team.

    Once you’re ready to pay for your in-store purchase, use your mobile phone to scan our QR code which you can find at the register or throughout the store. Then, you’ll be routed to apply for a Bread Pay plan.

    When applying, you'll also receive a confirmation code to use at the register. This code is only valid at the retailer’s physical location and will expire within 12 hours. You'll need to present your confirmation code to the retail store associate with a valid photo ID to check out with your selected Bread Pay plan.

    Based on your eligibility, when shopping in-store with Bread Pay™, you’ll have two options to pay for your purchase: a Bread Pay™ Installment Loan or a Bread Pay™ SplitPay plan.

    A Bread Pay™ Installment Loan helps you make online or in store purchases at participating retailers with repayment options that fit your budget. Terms range from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your eligibility.

    Bread Pay Installment Loans are not subject to late fees, origination fees, or prepayment penalties.

    Bread Pay™ SplitPay is a buy now, pay later plan that can help you buy the things you want now and pay it off later with four interest-free payments. Available for online or in store shopping with any of our participating retail partners, Bread Pay™ SplitPay can be used to pay for purchases between $50 and $1,500.

    Your first payment is due at the time of purchase. Your remaining three payments will be automatically processed every two weeks until your order is paid off.

    With Bread Pay SplitPay, there are no late fees or prepayment penalties.

    The amount you can spend in-store with Bread Pay™ is based on your eligibility. If you qualify for a payment plan, you'll be presented with the maximum amount you can spend with each payment product. Your payment amount will be based on your final purchase amount and your order won’t be finalized until you check out with your confirmation code at the register in the retailer's physical store location.
    No, your confirmation code can only be used once to checkout at the retailer’s physical location and will expire within 12 hours. You'll need to present your confirmation code to the retail store associate with a valid photo ID to check out with your selected payment plan.

    You can make payments on your Bread Pay™ Installment Loan using ACH funds transfer or a personal debit card. We’re unable to accept payments made through: credit cards, business debit cards, bill pay services, physical checks, a Flexible Spending Account (FSA) or a Health Savings Account (HSA).

    For your Bread Pay™ SplitPay plan, you can make payments with your personal debit card or credit card. We’re unable to accept payments made using: ACH funds, bank transfers, prepaid debit cards, a Flexible Spending Account (FSA) or a Health Savings Account (HSA).

    Payments must be received by 5:00 p.m. (ET) on your due date.

    Bread Loans™

    A Bread Loan™ is a great financing option to help you pay for planned and unplanned expenses. You can consolidate balances for credit cards that are issued in your name by eligible U.S. banks. Fixed rates are as low as 6.99% APR and there are no prepayment or origination fees. 
    You’ve been invited to apply for a Bread Loan™ because you’re a valued current or past Comenity Capital Bank Credit Card, Comenity Bank Credit Card, or Bread Financial™ account holder.

    You'll need to review your credit card balance with your existing credit card issuer. The proceeds from your Bread Loan™ will appear as a payment on your existing credit card. You should continue to make payments on any credit card accounts you’re consolidating until the accounts show they have been paid.

    It may take several days for the payment to process to your credit card. You may have a remaining balance if your credit card issuer assessed interest or additional purchases were made that were not included when you applied for your Bread Loan.

    You may also log in to the Bread Financial™ Member Portal to check on the status of your transfers. 

    You can transfer balances for most credit card accounts, with the exception of credit cards issued by Comenity Bank and Comenity Capital Bank, creditors who are unable to accept payment electronically and require a paper check, or non-U.S. accounts.

    Not sure if your credit card account is issued by Comenity Bank or Comenity Capital Bank? Check the back of your credit card or search for your credit card account.

    Only credit card balances can be transferred for debt consolidation. Other types of debt, such as Bread Pay™ Installment Loans, are not eligible for balance transfers using a Bread Loan™.

    You can consolidate up to five eligible credit card balances using a Bread Loan™.
    During the application process for a Bread Loan™, your APR is shown in the Truth In Lending Disclosure attachment. You can view the APR for your loan in the Bread Financial™ Member Portal.
    Our bank affiliate, Comenity Capital Bank, determines your APR based on a variety of factors and your individual creditworthiness.

    You can cancel your Bread Loan™ in the Bread Financial™ Member Portal. Cancellations can only be completed before 11:59 p.m. (ET) on the day that your Bread Loan was initiated. You won’t be eligible to cancel your Bread Loan after that time because Bread Financial immediately disburses funds to pay off your credit accounts.

    If your Bread Loan is eligible for cancellation, you can cancel it using the following steps:

    • Sign in to the Bread Financial Member Portal.
    • Enter the email address and mobile phone number associated with your account. Then we’ll text you a four-digit verification code.
    • Enter the verification code in the field provided to log in.
    • Scroll to the bottom of your Bread Loan details, and locate the text that reads, “Need to cancel your loan? Click here to cancel.”
    • Select the link and follow the cancellation prompts. 
    Your first payment for your Bread Loan™ is due one month after all of your approved debt consolidation transfers are complete. We'll send you an email once your loan starts that includes your monthly payment date and monthly payment amount.
    Unfortunately, we’re unable to change your payment due date. Your due dates are predetermined from the date of the last successful credit card balance transfer.
    You should continue to make payments on any credit card accounts you’re consolidating until the accounts show as paid. This may take several days. You may have a remaining balance if your credit card issuer assessed interest or additional purchases were made that were not included when you applied for your Bread Loan™.

    You can make payments on your Bread Loan™ by ACH electronic transfer from your bank account or by using a personal debit card. We can’t accept credit cards, business debit cards, bill pay service, or mail-in checks.

    Please note, payments must be received by 5:00 p.m. (ET) on your due date.

    Bread Pay™ is an intuitive, omnichannel buy now, pay later lending platform from a financial partner you can count on. Bread Pay products include Bread Pay™ Installment Loans and Bread Pay™ SplitPay. 

    Bread Pay Installment Loans are monthly financing plans offering terms ranging from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on eligibility and credit qualifications.

    Bread Pay SplitPay allows eligible and qualified customers to split their purchase into four, interest-free payments, which are made every two weeks.

    With Bread Pay, customers do not have late fees, origination fees or prepayment penalties.

    We work with businesses of varying sizes across different industries — from home goods and furniture to electronics and health care products. With our flexible platform and robust suite of APIs, merchants can integrate pay-over-time plans anywhere in their customers’ shopping journeys. 

    To find the optimal program for your business and shoppers, you can explore our buy now, pay later business solutions.

    We make it easy for merchants to offer personalized payment experiences. Bread Pay™ helps to transform how shoppers think about price and helps drive customer loyalty. You can get access to a full suite of flexible payment options, applications and tools designed to help capture more revenue and establish long-term customer relationships.
    Our in-house Member Support team provides customer service that’s specific to Bread Pay™ for shoppers who have our products. We work hard to deliver a professional and friendly experience for your customers.
    Bread Pay™ was launched in 2014. Today, Bread Pay is a product of Comenity Capital Bank, a Bread Financial™ company.
    If you’re a merchant using Bread Pay, please visit our Merchant Help Center. Here, you can find more FAQs, explore Merchant Operations, and review Marketing and Compliance information.

    Bread Pay™ Installment Loans are pay-over-time plans, which are also known as buy now, pay later (BNPL) plans. They are designed to offer simple payment solutions. When your customers use Bread Pay™, they are taking out a loan with Comenity Capital Bank, a Utah state-chartered bank, Member FDIC.

    A shopper who pays with an installment loan will make monthly payments until the loan is repaid. We’ll send a notification reminding them of their due date each month, and there’s no penalty for early repayment.

    To determine the optimal program for your business and customers, you can visit our buy now, pay later business page to review our solutions or to contact an expert for more information.

    Applicants for a Bread Pay™ Installment Loan must:
    • Be legal U.S. residents who are of legal age to enter in to contracts in their state (generally 18 years).
    • Have a valid mobile number and email address.

     

    Bread Pay Installment Loan availability:
    • Bread Pay products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S. as well as within some U.S. territories and Caribbean countries.
    If you’re a merchant using Bread Pay™, please visit our Merchant Help Center. Here, you can find more FAQs, explore Merchant Operations, and review Marketing and Compliance information.

    Bread Pay™ SplitPay is a buy now, pay later plan that can help your customers buy the things they want now and pay for them later by making four, interest-free payments. 

    The first payment is due at the time of purchase, with the remaining three payments automatically processed every two weeks. Customers generally use Bread Pay SplitPay to pay for purchases between $50 and $1,500.

    Bread Pay™ SplitPay shoppers must:
    • Be legal U.S. residents who are of legal age to enter into contracts in their state (generally 18).
    • Have a valid mobile number and email address.
    • Own a debit or credit card with the funds to cover the first two payment amounts.
     
    Bread Pay SplitPay availability:
    • Bread Pay products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S. as well as within some U.S. territories and Caribbean countries.
     

    When your shoppers are making plan payments, they cannot use ACH transactions, bank transfers or prepaid cards. Also, please note that first-time customers only will need to pay off their initial Bread Pay SplitPay plan before they can use Bread Pay SplitPay to make another purchase. 

    If you’re a merchant using Bread Pay, please visit our Merchant Help Center. Here, you can find more FAQs, explore Merchant Operations, and review Marketing and Compliance information.
    With a Bread Pay™ buy now, pay later solution, you can easily offer your customers a flexible way to pay over time. And if you have a compatible Clover device, you could potentially help grow your sales by driving conversion and increasing your average ticket amount.
    Yes. Merchants will need a compatible Clover point-of-sale system in each store location where they want to use Clover to offer Bread Pay™ products.

    When shopping in-store with Bread Pay™, customers will have two options to pay for a purchase, based on their eligibility: a Bread Pay™ Installment Loan or a Bread Pay™ SplitPay plan.

    A Bread Pay Installment Loan is a pay-over-time plan that helps shoppers make purchases with easy-to-understand, monthly payments. They pay their installment plans back monthly over 3 to 48 months, with APRs ranging from 0% to 29.99%.  

    With Bread Pay SplitPay, customers pay for their purchases with four equal installments, which are due every two weeks. They make the Bread Pay SplitPay payments using a personal credit card or debit card.   

    If you’re a merchant using Bread Pay, please visit our Merchant Help Center. Here, you can find more FAQs, explore Merchant Operations, and review Marketing and Compliance information.
    With the Bread Pay™ buy now, pay later solution, you can easily offer your customers a flexible way to pay over time. Once a customer is approved for a Bread Pay™ Installment Loan or Bread Pay™ SplitPay plan, they can have their maximum loan amount loaded on to a virtual card. This is a one-time use card, which is valid for seven days. Customers can check out at a participating merchant’s retail location for a purchase amount that is less than or equal to their maximum loan amount. The customer’s final loan amount is the same as the purchase amount.
    No, some of our participating merchants accept contactless payments, but others do not. During the merchant onboarding process, you can choose an enrollment path based on whether or not you accept contactless payments.

    When shopping in-store with Bread Pay™, customers have two options to pay for a purchase, based on their eligibility: a Bread Pay™ Installment Loan or a Bread Pay™ SplitPay plan.

    A Bread Pay Installment Loan is a pay-over-time plan that helps shoppers make purchases with easy-to-understand, monthly payments. They pay their installment plans back monthly over 3 to 48 months, with APRs ranging from 0% to 29.99%.  

    With Bread Pay SplitPay, customers pay for their purchases in four equal installments, which are due every two weeks. They make the Bread Pay SplitPay payments using a personal credit card or debit card.   

    If you’re a merchant using Bread Pay, please visit our Merchant Help Center. Here, you can find more FAQs, explore Merchant Operations, and review Marketing and Compliance information.

    Savings

    Discover savings essentials and account options.

    Yes, any Bread Savings account you may have is FDIC insured. Keeping your savings secure is our priority. When you open an account with Bread Savings, your deposits are FDIC insured up to $250,000 per depositor for each ownership category. Deposits held in different ownership categories are separately insured, up to at least $250,000, even if held at the same bank. Examples of ownership categories include individual and joint accounts. Get detailed information about your specific deposit insurance coverage by visiting the FDIC website at fdic.gov where you can access the Electronic Deposit Insurance Estimator (EDIE) and enter information about your accounts.
    You can visit our Bread Savings pages to get information on a high-yield savings account or a CD. If you decide to apply, you can also get started with your application.

    There are a few basic differences. Our high-yield savings account, also known as a HYSA, offers flexible access to your funds, and the Annual Percentage Yield (APY) is variable, meaning it could go up or down over time. 

    Our Certificates of Deposit (CDs) offer access to your funds, too, but penalties may apply if withdrawals are made before maturity. Our CDs pay higher rates than our savings account, and typically, the longer the term of the CD, the higher the rate.

    You can review our rates and fees for both high-yield savings accounts and CDs in one place.
    You can log in to a Bread Savings account online using our banking portal.
    You can sign in to your Bread Savings account, get answers to specific Bread Savings account questions or contact us for account support.
    When you send an email, your message may pass through many servers — and many people with access to those servers. For security purposes, please do not email any confidential account information. Using ouronline banking portal is a secure way to contact us.
    Yes. With our Bread Savings mobile app, you can make deposits and withdrawals, check your balance and contact Customer Care — right from your smartphone. Download the Bread Savings mobile app from the App Store or Google Play.

    General questions

    Get info on account security, who we are and more.

    We are a tech-forward financial services company offering a full suite of payment, lending and saving products that give you more ways to shop, borrow and save. Discover who we are as a company today! 

    You can sign in based on the type of account you have.

    Bread Savings: Sign in to a Bread Savings account.
    Credit card accounts: Search for your card to get started.
    Loans: Sign in to a Bread Pay or Bread Loans account from our member portal.

    Bread Financial or Comenity may call, text or email you in response to account questions or concerns, if your account is past due, or with marketing and servicing messages.

    We will never ask you to provide sensitive information through email or text. We may ask you to verify your identity over the phone, but if you are ever unsure about whether a call is coming from us, please contact us. We may also send texts to your mobile number with ID verification codes or to contact you about a past-due account.

    If your information is lost, stolen or compromised, or you notice suspicious activity, please contact the Customer Care team that supports your account immediately.

    • Credit card accounts: Call the phone number on the back of your credit card or on your statement. You can also find the number by searching for your card and visiting Account Center.
    • Bread Loans and Bread Pay™ accounts: Call 1-844-992-7323.
    • Bread Savings accounts: Call 1-833-755-4354.

    You’ll create a unique username and password to access your accounts. When creating or resetting your password, keep these tips in mind:

    • Choose a strong password that’s a combination of numbers, symbols and uppercase and lowercase letters.
    • Avoid using simple passwords, personal information like family names, or anything that could be easily learned about you.
    • Change your password often, generally, every three months.
    • Only save your username and password on personal devices, preferably in a password manager app that’s designed for securely storing passwords. Keep the information private and avoid writing it down.

    While we’re working to protect you from unauthorized use of your account, you can also take steps to keep it safer.

    • Never let an unauthorized user have access to your account information.
    • Keep your cell phone number and other contact information updated so we can verify your identity if needed.
    • Connect to trusted or virtual private networks when sending personal or financial information. Never use an unsecured email or public Wi-Fi hotspot.
    • Store account documents and credit cards in a safe place.
    • Activate and sign your credit cards.

     

    You can get more account security tips by visiting the Federal Trade Commission (FTC) website.

    Protecting your privacy and account security is our top priority. We use the latest technology to encrypt your personal information. This includes your account numbers, Social Security number, name, address, phone number and email.

    Here are some ways you can also help protect your information:

    • Make sure you connect to your financial accounts using a trusted network, rather than an unknown one or public Wi-Fi.
    • When accessing your account in public, be aware of anyone who may be watching.
    • Confirm you’re on a secure website by checking for a padlock or key symbol next to the web address in your browser.
    • Watch for email alerts letting you know changes were made to your account.

    If you need to contact us, you can call us or use the contact information included on your account statement. If you do email us, never include confidential account or personal information. This is because email is not encrypted, so it’s not a secure form of communication.

    To help safeguard your personal and account information, be on the alert for phone, email and mail security risks.

    Email

    • Do not share personal or account information by email or respond to unsolicited emails.
    • Be wary of emails asking for personal or financial information.
    • Don’t open links or attachments if you don’t know the sender.

     

    Phone

    • Never share personal or account information over the phone unless you made the call.
    • Hang up if you’re unsure about the person or organization calling you.
    • Never respond to an unsolicited text message asking for personal or financial information.
    • Notify your carrier immediately if your phone is lost or stolen.

     

    Mail

    • Go paperless to reduce the risk of mail fraud.
    • Let us know if an account statement or a new credit card does not arrive when expected.
    • Don’t include a Social Security number or driver’s license number on a mailed check.

    Servicemembers Civil Relief Act, or SCRA, is a national law providing financial relief and protection to eligible, active-duty military personnel. Bread Financial is committed to providing eligible service members with benefits and protections pursuant to the SCRA. SCRA's primary benefits to eligible service members include offering an interest rate of no more than 6% on accounts. You may be eligible for SCRA benefits and protections on any Comenity Credit Card account you may have as:

    • An active-duty member of the Army, Navy, Air Force, Marine Corps, or Coast Guard.
    • An Army, Navy, Air Force, Marine Corps, or Coast Guard reservist serving on active duty.
    • A National Guard member in qualifying active service.
    • A commissioned officer of the National Oceanic & Atmospheric Administration or Public Health Service on active service.

    You may request SCRA benefits within 180 days following the end of your active-duty period. For questions about your account's eligibility or how to submit your request for relief under SCRA, call 1-855-463-0222. Monday through Friday 8 a.m. to 8 p.m. ET (closed holidays).

    When requesting SCRA benefits, choose which of the following options is most convenient for you:

    • Mail your written request, along with your military orders or a letter from your commanding officer, on military letterhead showing any active-duty periods to this address: 
      Bread Financial 
      Attn: SCRA Request 
      P.O. Box 182273 
      Columbus, Ohio 43218-2273
    • Fax your written request to 1-614-729-3417. You must include your active-duty orders or a letter from your commanding officer on official letterhead showing any of your active-duty periods.
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    Help Center search results

    Help Center search results

    Get in touch

    Get in touch

    Can't find what you’re looking for? Here are a few ways to contact us.

    Credit cards

    You can send us a secure message, or call us for credit card support.

     

    Loans

    Email or call us for help. Making a payment? Visit our member portal.

     

    Savings

    Send a secure message through our online portal. Or reach out to Customer Care by phone.