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:
You can find your account number in the communication we mailed you after opening your account. You can also find it on your paper statement, if you selected paper statements instead of paperless and you already completed a billing cycle.
You can manage your account online through Account Center or the Bread Financial app. If you’re having an issue registering for online access, check the following:
Here are some options for making your credit card payment:
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.
If your application was approved, you’ll receive a welcome package within 10 days of applying.
If you’d like to use your account before receiving your card, please contact your nearest store or the online merchant for guidance.
Applying for a credit card does trigger a “hard inquiry” and may affect your credit score. You can request a free credit report from Equifax, Experian, and TransUnion by visiting AnnualCreditReport.com.
Read our article on credit scores to learn more about this topic.
We were unable to approve your application for a Visa or Mastercard, so we reviewed your eligibility for a store credit card.
* Visa is issued pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.
** Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
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.
Here are some options for contacting Customer Care online or by phone:
Not sure where your credit card’s Account Center is? Search for your card.
Explore Pay Over Time plans and Bread Loan information.
Bread Pay® offers flexible payment options that allow you to pay over time through monthly installments or split your purchase into four interest-free payments. If eligible, you can use Bread Pay at participating retailers for both online and in-store shopping.
Both Bread Pay Installment Loans and SplitPay make it easy to shop online or in-store with payment plans designed to suit your needs.
To file a dispute, you can contact the credit bureau directly or submit your dispute in writing to:
C/O Bread Financial
PO Box 182508
Columbus OH 43218
Keep in mind, we don't accept disputes over the phone or via email.
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.
Bread Pay® Installment Loans are flexible monthly payment plans that can be used for online and in-store purchases with participating retailers. Terms range from 3 to 120 months, with APRs from 0.00% to 34.99%, depending on your credit eligibility.
There are no origination fees or prepayment penalties, however, late payment fees may apply based on your loan terms. Be sure to review your loan agreement for more information.
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.
We recommend using the camera on your mobile device to take a photo of your valid U.S. government-issued driver’s license, state ID, passport or passport card. Please note that non-U.S. IDs and expired IDs aren’t accepted.
If you intend to upload the image through your mobile device, you can take the photo of your Identification 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.
Once your photo has been uploaded and your identity is verified, you can return to checkout and place your order with Bread Pay®.
Your annual percentage rate (APR) is the cost of credit as a yearly rate. You may have been offered an APR that ranges from 0.00% and 34.99%, depending on your creditworthiness. During the application process for a Bread Pay® Installment Loan, your APR can be found 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.
You can make payments on your Bread Pay® Installment Loan via ACH electronic transfer from your bank account or with a personal debit card. We’re unable to accept payments made with credit cards, business debit cards, bill pay services or mail-in checks. Additionally, Flexible Spending Account (FSA) and Health Savings Account (HSA) payment cards can’t be used, as we’re not a health service retailer.
Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.
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 review your payment schedule online in the Bread Financial™ Member Portal.
Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.
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.
Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.
If your payment isn't submitted on time, your loan will be past due and may be subject to a late payment fee. Please review your loan agreement for more information. All payments must be received by 11:59 p.m. Eastern Time (ET) on your due date to avoid falling behind.
Repeated late payments may impact your eligibility to use Bread Pay® Installment Loans for future purchases.
Yes, you can make early payments online in the Bread Financial™ Member Portal. Simply go to your homepage and select Make a Payment. There are no penalties or fees for paying early. Prepayments are applied to your next monthly payment, and any remaining amount will be applied to your principal balance. Alternatively, you can also make an early payment by reaching out to our Member Support team.
Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.
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 loan, 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.
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 loan, which will reduce your balance.
If an order cancellation or refund is issued for more than your current loan 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 loan 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 loan 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 loan 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 loan 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.
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.
With Bread Pay® SplitPay, you can split your purchase into four easy, interest-free payments. Whether you're shopping online or in-store at participating retailers, SplitPay makes it simple to pay over time for purchases ranging from $50 to $1,500 (retailer limits may apply).
Your first payment is due at checkout, with the remaining three payments automatically processed every two weeks until your balance is paid in full. There are no origination fees or prepayment penalties. Late payment fees may apply based on your loan terms. Please review your loan agreement for more information.
You’re eligible to apply for Bread Pay® SplitPay if you:
Bread Pay SplitPay availability:
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.
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.
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.
For Bread Pay® SplitPay purchases, you can make payments using your personal debit or credit card. We're unable to accept payments via ACH, bank transfers or prepaid debit cards at this time.
Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.
If your payment fails, we’ll send you an email with instructions on how to resubmit it. If your payment isn’t completed, the overdue amount will be automatically added to your next scheduled payment. Please note that a late payment fee may apply based on your loan terms. Be sure to review your loan agreement for more information.
All payments must be received by 11:59 p.m. Eastern Time (ET) on your due date to avoid falling behind. Repeated late payments may impact your eligibility to use SplitPay for future purchases.
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.
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 loan, which will reduce your balance.
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®.
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 loan 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 loan 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.
We’re sorry to hear your order arrived damaged. As Bread Financial™ serves as a third-party financing provider for your purchase, we recommend contacting the retailer directly to address any issues with your order.
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 11:59 p.m. Eastern Time (ET) on your due date. Any refunds from the retailer will be credited to your loan, 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.
For questions about your order, such as product details, delivery status, cancellations or returns, please contact the retailer directly. If the retailer doesn’t respond or acts outside of their return or cancellation policy, you can request assistance through your online Sezzle® dashboard. Once your help request is submitted, the Sezzle® team will review your case and provide an update with next steps within 2 to 3 business days.
Please note that you’re required to continue making payments on your Bread Pay® loan as your dispute is in progress. To avoid falling behind, ensure payments are received by 11:59 p.m. Eastern Time (ET) on your due date.
For more information, please contact Sezzle® Shopper Support or review their order dispute policy.
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.
Bread Pay® Installment Loans are flexible monthly payment plans that can be used for online and in-store purchases with participating retailers. Terms range from 3 to 120 months, with APRs from 0.00% to 34.99%, depending on your credit eligibility.
There are no origination fees or prepayment penalties, however, late payment fees may apply based on your loan terms. Be sure to review your loan agreement for more information.
With Bread Pay® SplitPay, you can split your purchase into four easy, interest-free payments. Whether you're shopping online or in-store at participating retailers, SplitPay makes it simple to pay over time for purchases ranging from $50 to $1,500 (retailer limits may apply).
Your first payment is due at checkout, with the remaining three payments automatically processed every two weeks until your balance is paid in full. There are no origination fees or prepayment penalties. Late payment fees may apply based on your loan terms. Please review your loan agreement for more information.
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.
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.
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.
Bread Pay® Installment Loans are flexible monthly payment plans that can be used for online and in-store purchases with participating retailers. Terms range from 3 to 120 months, with APRs from 0.00% to 34.99%, depending on your credit eligibility.
There are no origination fees or prepayment penalties, however, late payment fees may apply based on your loan terms. Be sure to review your loan agreement for more information.
With Bread Pay® SplitPay, you can split your purchase into four easy, interest-free payments. Whether you're shopping online or in-store at participating retailers, SplitPay makes it simple to pay over time for purchases ranging from $50 to $1,500 (retailer limits may apply).
Your first payment is due at checkout, with the remaining three payments automatically processed every two weeks until your balance is paid in full. There are no origination fees or prepayment penalties. Late payment fees may apply based on your loan terms. Please review your loan agreement for more information.
You can make payments on your Bread Pay® Installment Loan via ACH electronic transfer from your bank account or with a personal debit card. We’re unable to accept payments made with credit cards, business debit cards, bill pay services or mail-in checks. Additionally, Flexible Spending Account (FSA) and Health Savings Account (HSA) payment cards can’t be used, as we’re not a health service retailer.
For Bread Pay® SplitPay, you can make payments using your personal debit or credit card. We’re unable to accept payments via ACH, bank transfers or prepaid debit cards for SplitPay at this time.
Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.
A FlexLoan is a simple and flexible payment plan that helps you pay for multiple purchases over time. Once approved, you can use your FlexLoan to shop at The Home Depot for up to six months or until you reach your credit limit.
FlexLoan terms range from 60 to 120 months, with APRs from 0% to 9.99%, depending on your credit profile.
To apply for a FlexLoan, you must be a legal U.S. resident, meet your state's legal age requirement for entering into contracts, and have the following: a valid U.S. government-issued photo ID, a U.S.-based phone number, and an email address. You may also need a mobile device compatible with a digital wallet.
To check your eligibility, we’ll need to verify your identity using the information provided in your loan application. This won’t impact your credit score.
Your FlexLoan funds, accessible through a virtual card, can be used exclusively at The Home Depot for multiple purchases over a six-month period or until you reach your credit limit.
Your virtual card can be used for both online and in-store purchases.
You can use your virtual card for multiple purchases during the six-month spending window, as long as you stay within your approved credit limit and meet the minimum purchase requirement. You can find purchase requirements in your Loan Agreement on the welcome page.
Keep in mind, your virtual card needs to be used for at least one purchase within 30 days of approval, or your loan will be cancelled.
No, your credit limit, or eligible amount, is set once your application has been approved and is available only for a six-month period.
Paying down your balance reduces what you owe and makes those funds available to spend again. If you make a return or a transaction is cancelled, those funds will also become available for use again. You can check your available credit anytime in the Member Portal.
A Bread Loan™ is a fixed-rate, personal loan that can help you simplify your budget and manage both planned and unplanned expenses.
With low fixed rates, Bread Loans come with no origination fees or prepayment penalties. Late payment fees may apply based on your loan terms. Please review your loan agreement for more information.
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 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:
You can make payments on your Bread Loan™ via ACH electronic transfer from your bank account or with a personal debit card. We’re unable to accept payments made with credit cards, business debit cards, bill pay services or mail-in checks.
Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.
Bread Pay® is an intuitive, omnichannel pay-over-time lending platform with flexible financing solutions. Available payment plan options include:
There are no origination fees or prepayment penalties. However, late payment fees may apply based on customer loan terms.
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 Pay Over Time business solutions.
Bread Pay® Installment Loans are designed to make shopping more accessible, whether online or in-store, by offering fixed monthly payments that fit your customers' budgets. These loans are issued by Comenity Capital Bank, a Utah state-chartered bank and Member FDIC. There are no origination fees or prepayment penalties, however, late payment fees may apply based on the individual customer loan terms.
To determine the optimal program for your business and customers, you can visit our Pay Over Time business page.
Bread Pay® SplitPay is a payment plan that lets customers divide their purchase into four equal, interest-free payments. The first payment is made at checkout, while the remaining three payments are automatically processed every two weeks, making it simple to fully repay the balance. SplitPay loans are issued by Comenity Capital Bank, a Utah state-chartered bank and Member FDIC. There are no origination fees or prepayment penalties, however, late payment fees may apply based on the individual customer loan terms.
To determine the optimal program for your business and customers, you can visit our Pay Over Time business page.
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.
When shopping in-store with Bread Pay®, customers can choose between two payment options, depending on their eligibility: a Bread Pay® Installment Loan or a Bread Pay® SplitPay plan.
Installment loans are simple and convenient monthly payment plans with terms that can range from 3 to 120 months and APRs between 0.00% and 34.99%. SplitPay lets customers split their purchase into four interest-free payments, made every two weeks.
There are no origination fees or prepayment penalties. However, late payment fees may apply based on customer loan terms.
When shopping in-store with Bread Pay®, customers can choose between two payment options, depending on their eligibility: a Bread Pay® Installment Loan or a Bread Pay® SplitPay plan.
Installment loans are simple and convenient monthly payment plans with terms that can range from 3 to 120 months and APRs between 0.00% and 34.99%. SplitPay lets customers split their purchase into four interest-free payments, made every two weeks.
There are no origination fees or prepayment penalties. However, late payment fees may apply based on customer loan terms.
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Discover savings essentials and account options.
To open a Bread Savings online account, you must:
Keep in mind, only individuals may open a sole or joint ownership account.
It’s simple! You can easily open a Bread Savings account:
Funds will be reflected in your account once they are received. Most fund transfers take place in one to three business days. Accounts opened at the end of the business day will not be processed until the next business day. Business days are Monday through Friday, excluding federal holidays.
If funds you deposited or transferred are not reflected in your account within five business days, please contact Bread Savings Customer Care for assistance.
To maximize your savings, we offer a high-yield savings account as well as certificates of deposit with terms of 3 months, 6 months, 9, months, 1 year, 18 months 2 years, 3 years, and 5 years.
If you’re interested in opening an individual retirement account (IRA) to save for retirement, you may want to explore our retirement savings options.
Yes. Keeping your savings secure is our priority. When you open an account with Bread Savings, you can gain the peace of mind in knowing deposits are FDIC insured up to $250,000 per depositor for each ownership category.
To learn more about how the FDIC keeps your money safe, visit fdic.gov.
Here are the fees for a Bread Savings CD:
CDs will be auto-renewed at maturity, or you can withdraw the funds within the 10-day grace period without being charged an early withdrawal penalty.
You’ll be notified when the maturity date is approaching on a Bread Savings Certificate of Deposit. Your CD will automatically renew at maturity unless we notify you otherwise. The CD term will remain the same, but you can check your new rate online in your account details.
You’ll have 10 calendar days to withdraw the funds or close the account without penalty. Bread Savings CDs require a $1,500 minimum balance.
Here are the fees for a high-yield savings account:
With a Bread Savings account, there are no fees for monthly account maintenance.
1. Sign in to your online banking account.
2. Select “Accounts” from the menu, then select the plus sign in the Accounts tab.
3. Select “Make External Transfers.”
4. Enter your password or answer the security question.
5. Choose the bank with the account you want to link. If you don’t see your bank, enter its name in the search field.
6. Enter the account name, routing number, account number and account type, and select “Submit.”
7. Within two to four business days, you’ll receive two test deposits of less than $.99 each in the account you want to link.
8. Sign in to your Bread Savings account, select “External Transfers.” Then, select the account you want to link and verify the test deposit amounts.
9. You’ll receive an Account Verified message.
10. The newly linked account will now appear in the External Transfers account list.
If you have questions, please call Customer Care at 1-833-755-4354.
Traditional IRA contributions are made with pre-tax dollars and contributions may be tax deductible. In most cases, future withdrawals are taxed. Roth IRA contributions are made with after-tax dollars and are not deductible, and qualified withdrawals may be tax free.
Be sure to consult a tax advisor for additional information.1
1 Bread Savings does not provide tax, legal, or financial planning advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal, or financial planning. You should consult your personal tax, legal, and financial planning advisors for advice in engaging in any transaction.
Both the Retirement High-Yield Savings Account (HYSA) and Retirement Certificate of Deposit (CD) at Bread Savings offer the peace of mind of growing your money securely in FDIC-insured accounts.
A Retirement HYSA has a variable rate, meaning it can go up or down. After setting up your IRA that holds a high-yield savings account, you can make deposits into the account. When you open a Retirement CD, you’ll receive a fixed rate of return on your initial deposit until the CD matures. CDs automatically renew at maturity; however, you'll have a 10-day period at renewal to add money to your certificate of deposit, choose a CD with a new term, or redeem and close the account without an early withdrawal penalty.
Yes, you can withdraw money from your retirement account, but you’ll want to understand what to expect in terms of taxes and penalties. Be sure to visit the IRS website and consult with a tax professional to understand the taxes and penalties associated with retirement accounts.
To make a withdrawal from a Bread Savings retirement account, you’ll need to download and complete the IRA distribution form. Please visit our Forms and Documents resources to find the form for your IRA type.
A personal revocable living trust is a legal arrangement where the grantor places assets into a trust while alive, retaining control to change or end it, and naming beneficiaries for asset distribution after your death, avoiding probate. The FDIC insures both informal (POD/ITF) and formal (living/family) revocable trusts, covering deposits up to limits based on the number of eligible beneficiaries.
For more information, please visit www.fdic.gov.
We will only open accounts for personal living revocable trusts created for the benefit of individuals or families where the grantor(s) and trustee(s) are the same person(s) and one of those person’s Social Security number serves as the Tax Identification Number for the trust.
In addition, we will require the Trustee/Grantor to complete a Certification of Trust.
To open non-retirement high-yield savings or certificate of deposit accounts for a trust or convert existing accounts to trust accounts, we will require a completed Certification of Trust (Certification), and may require copies of certain pages from the trust agreement, as well as other supporting documents.
If you wish to open a trust account for a multiple-party account as defined in the Digital Banking Services Agreement and Deposit Account Terms, each party may operate the account without the consent or approval of any other party, and we may act on any instruction of a party without liability to any other party, even if the account is in the name of one party “and” another party.
Individuals who have made reportable IRA contributions, including annual (current or prior year) or rollover contributions, will receive a Form 5498. Trustee-to-trustee transfers are non-reportable transactions.
If you receive an annual tax form, be sure to keep it for your records.
Each year, Internal Revenue Service tax forms will be provided electronically to the primary account owner on or before January 31 (or the next business day if January 31 falls on a weekend or legal holiday).
Although the exact date will vary, electronic tax forms will be made available to the primary account owner through online banking. You will receive an email notification when the tax form is available to review, download and print in the “Documents” section of online banking.
We will also furnish a paper copy of required tax forms by mail through the U.S. Postal Service. The tax form will be sent to the primary account owner’s mailing address. This means that all primary account owners should make sure that their mailing address on file is correct. Due to the large volume of tax forms mailed through the U.S. Postal Service during January, it may take several days to receive the paper copy tax form.
Here’s some info on who we are, account security and more.
You can sign in based on the type of account you have.
Bread Financial or Comenity, which is a Bread Financial company, 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’ll 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’re 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.
You’ll create a unique username and password to access your accounts. When creating or resetting your password, keep these tips in mind:
While we’re working to protect you from unauthorized use of your account, you can also take steps to keep it safer.
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:
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.
Phone
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:
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:
Try refining your search:
Try refining your search:
Can't find what you’re looking for? Here are a few ways to contact us.
You can send us a secure message, or call us for credit card support.
Email or call us for help. Making a payment? Visit our member portal.
Send a secure message through our online portal. Or reach out to Customer Care by phone.
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