Bread Financial icon

Bread Financial: Credit Card Management

by Bread Financial Holdings, Inc.

4.8
IOSFinance

Bread Financial simplifies credit card management on the go. Access your Bread Cashback, Bread Rewards, and AAA Visa accounts to make payments, redeem rewards, review transactions, and enjoy secure communication, all within a user-friendly app.

About Bread Financial

The Bread Financial app offers a seamless way to manage your Bread Cashback™ American Express® Credit Card, Bread RewardsTM American Express® Credit Card, and AAA Visa Signature® credit card accounts from anywhere. More brands are coming soon! Log in securely with your existing Account Center username and password, or use Touch ID or Face ID for quick access. Effortlessly make payments, redeem rewards, review your transaction history, and much more. Manage your account with ease by reviewing transactions and statements, searching recent activity, and filtering as needed. Activate your card, add an authorized buyer, and even lock/unlock your card (for select programs). Making payments is simple with options to set up automatic payments, schedule one-time payments, or edit/delete scheduled payments. If your program offers rewards, you can easily track your earnings and redeem them in any amount. Unlock exclusive offers on our partner site, conveniently linked within the app. Enjoy safe and secure communication through the Secure Message Center. Bread Financial provides a comprehensive and convenient solution for managing your credit card accounts. Stay on top of your finances with this user-friendly finance app. Experience the ease of mobile banking. Simplify your financial management today.

Key Features

  • Manage accounts easily with secure login options
  • Make payments quickly with multiple scheduling options
  • Track reward earnings and redeem them easily

Why Users Love It

Offers secure and convenient access
Simplifies credit card management
"Great app for managing my credit card and tracking rewards!"

Perfect for: Perfect for Bread Financial cardholders seeking easy, on-the-go account management.

Screenshots

Bread Financial screenshot 1Bread Financial screenshot 2Bread Financial screenshot 3Bread Financial screenshot 4Bread Financial screenshot 5Bread Financial screenshot 6

📊Ranking History

Track Bread Financial's performance in Finance over the last 30 days

Top 5
Top 10
Top 15
Below 15

Current Rank

#43

Best Rank

#11

🏆

All-time high

Average Rank

#30

📈

30-day average

User Reviews

@lovenicoleanne
8/8/2025

Very easy app to use to always check and pay my card Easy and convenient Very easy app to use to always check and pay my card

Formul8n
7/2/2025

App worked perfect for about 10 months... then there was an update for the app...have not been able to sign in to the account since then ( through the app) Customer service is unable to help ...still can not sign into account after numerous calls to CS, for the past month. I have deleted the app serval times and then downloaded again...keep getting notices saying the problem is on their end not mine. I am able to access my account through the Bread Financial link but not the app. If they could get it to work, as in the beginning, I would gladly change to 5 star rateing. App is not working App worked perfect for about 10 months...then there was an update for the app...have not been able to sign in to the account since then ( through the app) Customer service is unable to help ...still can not sign into account after numerous calls to CS, for the past month. I have deleted the app serval times and then downloaded again...keep getting notices saying the problem is on their end not mine. I am able to access my account through the Bread Financial link but not the app. If they could get it to work, as in the beginning, I would gladly change to 5 star rateing.

outlook is a pain
8/19/2025

App is great except if you have 2 cards. Every time I switch between cards the facial recognition does not work and I have to log in. This has caused me to have late payments because I am not logged into the card I want to pay and I do not have my password handy to log in. Need to make switching between cards better and smoother. Issues switching between cards App is great except if you have 2 cards. Every time I switch between cards the facial recognition does not work and I have to log in. This has caused me to have late payments because I am not logged into the card I want to pay and I do not have my password handy to log in. Need to make switching between cards better and smoother.

Messed Again
7/30/2025

I have two credit cards under this and nearly impossible to access both without one messing up the other account Good but difficult to use with multiple credit cards I have two credit cards under this and nearly impossible to access both without one messing up the other account

Kem876
7/21/2025

Wish it was easier to redeem your cash back using the app. Calling customer service is very tedious and time-consuming. Redeem Wish it was easier to redeem your cash back using the app. Calling customer service is very tedious and time-consuming.

App Details

Developer

Bread Financial Holdings, Inc.

Platform

ios

Rating

4.8

Last Updated

8/22/2025