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 * PERSONAL
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   * Help Center
   * Financial Education
 * ABOUT US
   * About Bread Financial
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 * PERSONAL
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 * Credit Cards
   * Explore Credit Cards
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   * Bread Cashback Card
   * Bread Rewards Card
 * Loans
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   * Buy Now, Pay Later
 * Savings
   * What We Offer
   * High-Yield Savings Account
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   * IRAs: Retirement Savings & CDs
   * Forms & Documents

 * Overview
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 * Buy Now, Pay Later

 * HELP & RESOURCES
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 * ABOUT US
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Thanks for stopping by. We offer simple financial solutions to help you shop,
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EARN 5.15% APY*


WITH A HIGH-YIELD SAVINGS ACCOUNT

 * Highly competitive rates **
 * FDIC insured†
 * No monthly or hidden fees

More details
Open an account Learn more




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CHOOSE YOUR ACCOUNT

 * Credit Cards
 * Bread Loans & Payments
 * Bread Savings


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
2%
Unlimited cash back on purchases.1
$0
Annual Fee and no Foreign Transaction Fees. Review rates, fees and more.3
Learn more Apply now
More details



BUY NOW, PAY LATER

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




START EARNING 4.90% APY*


WITH A BREAD SAVINGS 1-YEAR CERTIFICATE OF DEPOSIT


FDIC INSURED**

Keeping your money safe


HIGHLY COMPETITIVE RATES†

Earn interest immediately§


NO HIDDEN FEES

Plus, no monthly maintenance fee


$1,500 OPENING DEPOSIT

Simple to fund and manage
Compare CDs More details

Explore more cards

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

No results found. Try searching our Help Center.

AAA Visa Signature® credit cards

$100 cash back paid as a statement credit.¹

More details Apply

NFL Extra Points Visa® Credit Card

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

More details Apply

Victoria’s Secret Mastercard® Credit Card

$25 off your first Victoria’s Secret purchase¹

More details Apply

Ulta Beauty Rewards™ Mastercard® Credit Card

20% off your first Ulta Beauty purchase.¹

More details Apply
Explore cards


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REWARDS DETAILS


 

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COMENITY® MASTERCARD® BENEFIT DETAILS

Earn Cash Back rewards with every Comenity® Mastercard® Credit Card purchase.1

All Cash Back offers are paid as a statement credit.

 * $100 cash back when you spend $500 or more within 90 days of account
   opening.2 
 * 1.5% unlimited cash back when you use your Comenity Mastercard.1 
 * Enjoy all the benefits of your Comenity Mastercard with no annual fee.3
 * Experience Mastercard network benefits, including identity theft protection.4


1Offer is exclusive to Comenity® Mastercard® Credit Card holders enrolled in the
Comenity Rewards program. This rewards program is provided by Comenity Bank and
its terms may change at any time. For full Rewards Terms and Conditions, please
review comenity.net/comenitycard/termsandconditions. Once earned, you must
redeem for statement credit at www.comenity.net/comenitycard.

2Valid one time only. Offer is exclusive to Comenity® Mastercard® Credit Card
holders enrolled in the Comenity Rewards program. Maximum of $100. Purchases do
not include returns, refunds or credit adjustments, balance transfers, cash
advances, interest charges, and fees of any kind. Once earned, the offer will be
automatically fulfilled as a $100 statement credit within 2 billing cycles.

3Review important rate, fee, and other cost information.

4Mastercard® Card benefits are benefits associated with Mastercard®. Certain
terms, conditions and exclusions apply. For Full Benefits Terms and Conditions,
please reference your Guide to Benefits or call 1-800-Mastercard.

Credit card offers are subject to credit approval.

Comenity® Mastercard® Credit Card Accounts are issued by Comenity Bank pursuant
to a license from Mastercard International Incorporated. Mastercard and the
Mastercard Brand Mark are registered trademarks of Mastercard International
Incorporated.

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CARD BENEFITS

 

 * Earn 2% unlimited cash back on purchases when you use the Bread CashbackTM
   American Express® Credit Card.1
 * Get peace of mind with American Express purchase protection, ID theft
   insurance and more.2
 * No annual fee and no Foreign Transaction Fees.3

 

1 Offer is exclusive to Bread Cashback American Express Credit Card holders
enrolled in the Bread Cashback program. Cashback can be redeemed as statement
credit or direct deposit. This rewards program is provided by Comenity Capital
Bank and its terms may change at any time. Please reference the Rewards Terms
and Conditions for full program details.

2 Certain terms, conditions, and exclusions apply. For more details, visit
American Express.

3 Review important rate, fee, and other cost information.

Credit card offers are subject to credit approval.


American Express is a registered trademark of American Express. This Card is
issued by Comenity Capital Bank pursuant to a license from American Express.

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SAVINGS ACCOUNT DETAILS

*ANNUAL PERCENTAGE YIELD (APY): All Bread Savings APYs are accurate as of
09/06/2024. APYs are subject to change at any time without notice. Offers apply
to personal accounts only. Fees may reduce earnings.

For high-yield savings accounts, a minimum of $100 is required and must be
deposited in a single transaction. For high-yield savings accounts, the rate may
change after the account is opened.

†Rates are compared against competitor rates published by Bankrate.com and the
institutions themselves as of 8/27/2024. Bankrate.com obtains the data from the
various banks that it tracks and its accuracy cannot be guaranteed.

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CARD DETAILS

1Minimum purchase required to redeem. See offer for full terms and conditions.
Offer will be received in your cart or via email after you open your new
account. Must have valid email address and U.S. mailing address. Sign in to your
VictoriasSecret.com account to begin your application for the Victoria’s Secret
Credit Card Program. Offer not redeemable for cash or credit. Offer not valid on
previous purchases, gift cards and clearance items. Additional limitations may
apply. Offer may be modified or discontinued at any time with or without notice.

Credit card offers are subject to credit approval.

Victoria's Secret Credit Card Accounts are issued by Comenity Bank.

Victoria's Secret Mastercard® Credit Card Accounts are issued by Comenity Bank
pursuant to a license from Mastercard International Incorporated. Mastercard and
the Mastercard Brand Mark are registered trademarks of Mastercard International
Incorporated.

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CARD DETAILS

Open and use an Ulta Beauty Rewards™ Mastercard® Credit Card or Ulta Beauty
Rewards™ Credit Card to save 20% off on all products and services on your first
Ulta Beauty purchase.1

Plus earn 2x points everyday. 2 points per $1 spent at Ulta Beauty with your
Ulta Beauty Rewards™ credit card.2

1Valid one time only. Duplicated offers will not be accepted. Excludes gift
cards and prior purchases. If approved online, you must be opted into Ulta
Beauty emails to receive 20% off coupon. 

2Mentioned earning based on Base member level. Offer is exclusive to Ulta Beauty
Rewards™ or Ulta Beauty Rewards™ Mastercard® credit card holders enrolled in the
Ulta Beauty Rewards™ program. This rewards program is provided by Ulta Beauty®
and its terms may change at any time. For full Rewards Terms and Conditions,
please visit ulta.com/rewards.

Credit card offers are subject to credit approval. 

Ulta Beauty Rewards™ Credit Card Accounts are issued by Comenity Capital Bank.

Ulta Beauty Rewards™ Mastercard® Credit Card Accounts are issued by Comenity
Capital Bank pursuant to a license from Mastercard International Incorporated.
Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard
International Incorporated.

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CARD DETAILS

$100 cash back when you open and spend $500 on purchases outside of the NFL in
your first 90 days from open date. Paid as a statement credit.1

1Valid one time only. Offer is exclusive to NFL Extra Points Visa® Credit Card
holders enrolled in the NFL Extra Points program. Maximum of $100 cash back.
Offer excludes all NFL purchases including NFLShop.com, NFL stadium purchases
and NFL tickets made at NFL Team Ticket Offices, Ticketmaster, StubHub and
SeatGeek. This rewards program is provided by Comenity Capital Bank and its
terms may change at any time. For full Rewards Terms and Conditions, please
visit comenity.net/nflvisa.

Credit card offers are subject to credit approval.

Your team branded Extra Points Visa Credit Card represents your team affiliation
within the NFL Extra Points Visa Credit Card program. Any reference to your team
affiliated Extra Points Visa Credit Card is equivalent to the NFL Extra Points
Visa Credit Card.

NFL Extra Points Visa® Credit Card Accounts are issued by Comenity Capital Bank
pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of
Visa International Service Association and used under license.

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CARD DETAILS

Special Financing for up to 36 months1 on purchases of $300 for 6 months, $750
for 12 months, $3000 for 18 months and $1500 for 36 months made with your Kay
Jewelers Credit Card at Kay Jewelers.  

1Minimum payments are required for each Credit Plan. Valid for single
transaction only. If the single transaction has multiple shipments, each
shipment may result in a separate Credit Plan, subject to a separate minimum
purchase requirement and minimum interest charge.

Credit card offers are subject to credit approval.

Kay Jewelers Credit Card Accounts are issued by Comenity Bank.

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CD Details

*ANNUAL PERCENTAGE YIELD (APY): All Bread Savings APYs are accurate as of
09/06/2024. APYs are subject to change at any time without notice. Offers apply
to personal accounts only. Fees may reduce earnings. For high-yield savings
accounts, a minimum of $100 is required and must be deposited in a single
transaction. For high-yield savings accounts, the rate may change after the
account is opened. To open a CD, a minimum of $1,500 is required and must be
deposited in a single transaction. A penalty will be imposed for early
withdrawals on CDs. At maturity, your CD will automatically renew and earn the
base interest rate in effect at that time.

**FDIC insurance up to $250,000 per depositor for each ownership category.

†Rates are compared against competitor rates published by Bankrate.com and the
institutions themselves as of 09/03/2024. Bankrate.com obtains the data from the
various banks that is tracks and its accuracy cannot be guaranteed.

§Refers to deposits by ACH that are received before 5 p.m. CT on a business day
(Monday through Friday, excluding federal holidays). Deposits begin earning
interest from the moment they are received but may not be immediately available
for withdrawal. Deposits received after 5 p.m. CT or on a non-business day are
received on the next business day.

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*ANNUAL PERCENTAGE YIELD (APY): All Bread Savings APYs are accurate as of
09/06/2024. APYs are subject to change at any time without notice. Offers apply
to personal accounts only. Fees may reduce earnings. For high-yield savings
accounts, a minimum of $100 is required and must be deposited in a single
transaction. For high-yield savings accounts, the rate may change after the
account is opened. To open a CD, a minimum of $1,500 is required and must be
deposited in a single transaction. A penalty will be imposed for early
withdrawals on CDs. At maturity, your CD will automatically renew and earn the
base interest rate in effect at that time.

**Rates are compared against competitor rates published by Bankrate.com and the
institutions themselves as of 09/03/2024. Bankrate.com obtains the data from the
various banks that is tracks and its accuracy cannot be guaranteed.

†FDIC insurance up to $250,000 per depositor for each ownership category.

Bread Savings™ is a product of Comenity Capital Bank, which is part of Bread
Financial.

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CARD DETAILS

1 Valid one time only. Offer is exclusive to AAA Daily Advantage Visa Signature
Credit Card or AAA Travel Advantage Visa Signature credit card holders enrolled
in the AAA Daily Advantage or AAA Travel Advantage program. Maximum of $100
statement credit per account. This rewards program is provided by Comenity
Capital Bank and its terms may change at any time. For full Rewards Terms and
Conditions, please see Daily: AAA.com/AdvantageDailyTerms or Travel:
AAA.com/AdvantageTravelTerms.

Credit card offers are subject to credit approval.

AAA Daily Advantage and AAA Travel Advantage Visa Signature® Credit Card
Accounts are issued by Comenity Capital Bank pursuant to a license from Visa
U.S.A. Inc. Visa is a registered trademark of Visa International Service
Association and used under license.

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 * About
 * Careers
 * News & Insights
 * Sustainability
 * Investors
 * Financial Education
 * Contact Us
 * Help Center

 * Privacy Policy
 * Do Not Sell or Share My Information
 * Website Terms of Use

Copyright ©2024 Bread Financial. Comenity Bank and Comenity Capital Bank are
Bread Financial Companies. Bread Pay™ and Bread Loans™ are a suite of loan
products made by Comenity Capital Bank, a Utah state-chartered bank, Member
FDIC.

 All deposit products are provided by Comenity Capital Bank, a Utah
state-chartered bank. ©2024 Comenity Capital Bank.



GET IN TOUCH

Can't find what you are looking for? Here are a few ways to get in touch.

By Secure Messaging

Cardholders, you can send a secure message on Account Center. Find your card to
get started.

By Mail

Cardholders and Bread Savings Accountholders, send mail to the address
associated with your account. Not sure which bank is yours? It will be listed on
the back of your card or on your statement.

                        Comenity Bank
                        PO Box 183003
                        Columbus, OH 43218

                        Comenity Capital Bank
                        PO Box 182273
                        Columbus, OH 43218

                        Bread Savings
                        PO Box 182084
                        Columbus, OH 43218

By Phone

Whether you have an account with Comenity, Bread Savings, or Bread Payments, you
can call us during business hours.

1-855-796-9632 (TDD/TTY: 1-888-819-1918)

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