Bread Financial Reviews

by No Breadname

I am a new customer. I was told that I put in the wrong payment information but I know I didn’t and customer service went out of there way to give no solutions but more or less threatened me. They made it very clear that the computer was glitched continuously went down. They went so far as to inform me that I must of used my debit card instead of my checking information which made no sense since the routing info was correct but the checking info was so off that I even tried my best and hardest to very calmly explain that I felt that the glitch may have tripped my payment info but they refused to hear any of it and told me my account is frozen until paid off and than I must wait several weeks after that before I am entitled to to use it again. So until than my CREDIT WILL BE DESTROYED BY AMEX TO THERE DESIRE BECAUSE OF THERE COMPUTER GLITCH AND ZERO ASSISTANCE FROM CUSTOMER SERVICE. I had to figure out on my own how to after several days get back into my locked out account finally update the payment info and than pay the account off as quickly as possible. I will keep the account but under the (Freedom Act) I request a complete history print out of my payment info from Aerospace when I opened the account just here back in November 2023. Should you deny this request please let me know immediately. Please let me know as to exactly what day I may use credit card again officially. Thank you very much for any and assistance in this matter.

by Nick05034041

Got approved with a $2800 credit line, had bought something for $20 with Apple Pay. Got my card in the mail all for it to be already closed. So you approved me sent me a card and then close my account. I’m extremely perplexed. Stay away from this card they will ruin your credit by opening and closing your account.

by Dnice2ny

I haven’t been able to use BreadFinancial for over a week now. Just keeps giving me a message saying “it’s not you it’s us. We’re experiencing a technical issue. Our team is team is working to resolve this as soon as possible. Please try again later. I understand that sometimes things go wrong but a week is a bit much.

by Where’dTheTimeGo

I just downloaded BreadFinancial and added my card. So far so good. But when I try to log into my account I get the “It’s not you it’s us” message others have reported. I’ve been getting this for several days. When I click on BreadFinancial support, it takes me to Bread Financial’s website and there are no options for BreadFinancial. Likewise, I’ve called the number the “developer” lists in other reviews for help. There are 2 options and neither are for app support. Picking either one (and hoping to get a human) gives me a recorded message and then the system hangs up. I’ll delete BreadFinancial and continue using the website. As others have said - it’s 2024 - you can’t make an app that actually works?

by WeShallOvercomeNow

This is 2024. Everything is done electronically instantly and automatically. But, this company wants to continue acting like it takes 1-2 billing cycles just to update any setup or change to your automated payments. It’s an obvious scam to hope you forget to pay or have to keep checking to see if your auto pay has kicked in yet. Most people will not remember to check, and be slapped with a late fee. There is no telling how many thousands of dollars this company makes just from this one scam alone. Totally unacceptable! After all, none of my other 11 credit card companies take 1-2 billing cycles to do this. After all, it’s 2024! Did I already say that??!

by Sidvicious517

Why can’t BreadRewards AMEX be like any other credit card company? If a payment is due on July 7th, then your customers should be allowed to make payment by 11:59p on July 7th. Why should your customers remember that payment should be posted by 5p on their due date; if not, then a late payment will be assessed. This just makes me to use your card less, especially when other companies have better rewards for purchases. Just so disappointed……

by CTEMA

BreadFinancial is about seeing activity and paying, if you have a problem there’s no way to communicate with a human or a chat bot in real time. A message submitted says 48 Hours to reply. What year is this? I really appreciate fraud detection, I truly do. Sending me an alert via BreadFinancial is great - but then a dead-end. Yo have to navigate calling internationally in my case (from an airport). At bare minimum please plop a button in here that connects users to a human to provide real service.

by Raerae_08

i WAS happy to see that an app for my bread rewards account had finally came out, but i would soon to find out that with in the next day my hard was hacked into and also my information was stolen.

not sure if it was a coincidence or what but feels like it’s starting to be a domino affect from downloading BreadFinancial .

also customer service is not the greatest and i have also been wait on an authorized user card for months. i have requested twice already and nothing is ever sent.

by Dsmitd90

I tried paying my bill and was told to pay before 5pm EST, in which case, I might forget one day to pay and be charged extra as a result. Almost all other credit card companies allow you to pay as soon as you can.

Also, if you would like your cash back rewards sent to your bank account, you have to call customer service instead of choosing the options through BreadFinancial . Why??? Please fix.

by I Know Jack, Well...

I was told to download BreadFinancial in order to manage my card because I didn’t want to have to keep using a website. The Midas card is still not available on BreadFinancial yet I was told this is where I should go to manage my card? Someone should update your AI responses or let your employees know that Midas isn’t supported in BreadFinancial . This was just a waste of my time. I have all of my other cards in accessible apps, this is the only card I have that I have to make sure to set a reminder in my calendar to make my payments because there is no way to get notifications unless you sign up for paper billing, and that’s just not a thing I am trying to do. If they ever add Midas or send me a new message to apologize for their error, I’ll update this but as for now, BreadFinancial is useless if you’re a Midas card holder.

by Goldmine24

When I make purchases or if a purchase is made that I didn’t authorize. I will never know until I check the account. I would love to see my credit score, but you can’t cause BreadFinancial don’t have that perk. Hopefully that will be something for us bread customers to look forward to!!!

by Joeb4820

I really like the ease of use on BreadFinancial and how SMOOTH the interface is. It’s everything in an app that I would have loved to see in my other major credit cards that I use. But I won’t be using this card now simply because of one thing that’s missing. Push notifications for purchases. Why is this not an option for such an advanced OS? I love being in the know in real time on purchase made with my card. Its how I’ve caught fraudulent charges on my other cards in the past and was able to stop it before it was too late. Needs to be added. Also another reason is cause the gas station precharged my CC 175 dollars for 9 bucks worth of gas. I know this is a pending charge. But it still affects my credit line in the meantime which I don’t like. This is not an issue with my other CC’s.

by Minimalist Tom

BreadFinancial looks great and is very clean. Really enjoy the user interface. The reason for the two stars is because there is not an option for purchase alerts. Hopefully this is fixed soon I saw this is a pretty common theme on the reviews, please listen to your customers and add this feature!

by Shagarla

Today I got the new Bread Amex credit card, I was able to get activated it and setup online account so for it’s went good. While logins my account(App and website ) it’s showing up user id or password is incorrect. I tried to reset online but it says “”sorry we are unable send OTP by text or email “ with out OTP how it possible to get in to the online account??? After multiple attempts, made call to customer care people they suggest wait for one week for update my account. My bad is that works in current world we in 21st. Century.

by S Pud Ster

Doesn’t show as a tabbed interface permitting access to each card after log in. Must log in separately to access each card. And selecting card before log in difficult with touch interface. The interface only intermittently recognizes touch to select new card Other banking apps have single login to see all cards. Update should strive to get to industry standard

by Wells Never Sleeps

Since switching to the new card I am always wasting about 30-40 minutes trying to sign in to either the wrong account or the website doesn’t work. Very poor infrastructure. And of course because of this I wind up paying my bill late which I thought I had already scheduled but probably on the wrong site. Annoying

by Dokedennis

Last week or so it takes multiple attempts to get BreadFinancial to open on my iPhone. Deleted and downloaded again and same problem. Needs a bug fix update please!

by Gibbsj2016

Please add ability to pay/monitor store cards like Ulta and Victoria Secret soon! Paying via app is so much easier than going to the various payment webpages for each card

by A Dub 11000

Would have gotten 5 stars but Bank info must be manually entered instead of copied and pasted from bank app. Could be more user friendly.

by Gregarius33.3

The check boxes in BreadFinancial do not respond right away or are too small for my finger.
Anyway, I had to tap them multiple times to get them to work.

by GmarshallNYC

Well organized efficient card and app, only suggestion need more generous credit lines for established customers and some lines for small businesses from $500k-$900k - especially for existing customers, otherwise great always recommend!

by Sprdave85

I’ve been a big fan of bread rewards for a couple years now, but I’ve always thought the website was hard to manage through A mobile phone. With the new mobile app, checking balances and making payments and also cashing rewards is super easy. Great work!

by Leslie Hines

I love my bread card one thing would make this a 10 out of 10 is a credit limit increase

by Lotsy888

Finally a banking app which is clean, modern, and easy to use! I love the way BreadFinancial is organized, and I found it easy to find the information I needed. Overall, I am really happy with BreadFinancial.

by Kate's Faves

Frankly, enjoyed the old Comenity App for its ease of use and easy layout. When I saw the update to go to the new Bread App this month, via a download from BreadFinancial Store, I was less than happy. But, I love the new App! It’s got the same bones, but it’s newer and fresher. Super easy to navigate and very responsive. Like a bright shiny new car. Great job! 💛

by Crybabygansta

Received my $245 cash back after I paid my first statement. Great signup bonus!

by Deckl5

Woot woot! BreadFinancial is awesome, especially because my favorite card is their Amex Cashback product. Love being able to see everything in a clear view and able to track my rewards right away. Some really cool features they put into BreadFinancial, and made it an easier way to access all the necessities I need for my card.

by Reaylid

I like it just as much as the Apple wallet app for Apple Credit Card. (Quite a bit)

Bread Financial did a amazing job at fleshing out BreadFinancial for credit cards, managing it, seeing rewards, and making payments. If you have a credit card that uses BreadFinancial, I highly recommend you get BreadFinancial to make it easier for managing your card!

by Bryanandmegan

I was offered this card when I went to AAA for trip information. I was going in vacation to Texas and I used this card for all my hotel and gas purchases. I could check my balance daily and it was very easy to set up my bank information and pay my bill. I will use this card for most of my transactions. Thank you

by KWILSO10

I am so pleased to have this easy to use app.
I have been wanting for an app to this account for a long time.
I never had a phone app with Comenity. That made it more difficult to keep track of this account.
I am trilled! Y’all are now on my financial page.
Thank you

by Deanoaktown

I been ask for AP for some time scents I open account with you,
But now it’s here it look good

Thank you

by Schoolbus30

A credit card that understand the end user !!! Very easy and a wonder to work with. I highly recommend this card.

by Mager Pane

Bread cash back is a really good card if you keep current they are generous on extending credit don’t hesitate get it you won’t be sorry.

by Slugswife

I have a few different credit cards thru Comenity, I wish the NFL CARD had a mobile app to make payments easier…..

by Mdw937937

BreadFinancial is surprisingly easy to navigate and it runs very smoothly. I was expecting it to be clunky like most other bank apps, and have been pleasantly surprised.

by Great Travel Card

So glad you finally got the mobile app. It makes it so easy to keep taps on spending especially when traveling.

by Jacee 1991

Never miss a payment before I did call to make a payment why’d it not went through don’t know this is bull

by Chrissyd64

I’ve had my AAA Visa through BoA and they sold the account to Comenity Bank in Oct. 2022 all this time I had to go into my email to access account to pay on line. Thank you for catching up with EVERY other financial institution

by Tnbohinri

They were one of the first cards to give me a limit over $2,000 when I was rebuilding my credit which really shot my score up and qualified me for far better offers. Trouble is then you start taking offers and wind up like me with 25 cards and accounts plus a mortgage and thank Godess no car payment at the moment. But rewards are excellent for a mid range credit qualifying card. If you have a 600 or 590 try it they just might give it to you and improve your credit !

by FABFOUR5150

Glad I was able to pay in full before I ran outta cash to even make this payment possible 🤬

by Olynerd

BreadFinancial compliments the Bread Cashback AMEX card beautifully with a simple and intuitive design. Would love to see notifications and apps for other Comenity cards (like the AAA cards).