Reviews for Bread Financial

Hello, all, beware!!! This company is just out to get your money with interest, late fees, and paper bill fees. I had to threaten to close my account to get a late fee that shouldn’t have even been there because I was set up for automatic payments. Plus, because I was “late,” they were also […]

I like the design of app for the most part. But why do I need to log into each card individually? I also noticed that there was no ability to save the passwords at all. I have multiple cards with your company and I have to memorize each password if I want to be able […]

Good credit card but terrible app and website. There is always an error message saying I need to update my contact (which I have several times). Not to mention the recent updates have caused the payment option to stop working. I had to log in through the website just to pay my bill on time. […]

I have this app and loved it because I could access 5 different credit cards from this one app. Now,suddenly, it is awful. I hate it. If I use the biometrics to log in it only saves the last card you logged in under and won’t recognize the others. I’ve read through some reviews and […]

Horrible app!!! Paying my bills has never been more stressful. I have multiple cards, and one payment will go through with no issue, and then when trying to pay the other bills, I always get an error message. I hate this app with a passion! Love the cards, but y’all gotta fix this.

This app is bad, just really, really bad. When it decides to work it takes days and days to process your payment and when it doesn’t work, which is more often than not, it’s deleting your saved payment source information and/or closing itself mid payment, rendering you unable to make them at all. I’ll be […]

The app works fine if you only have one card with them. If you have more than one, then you can’t use biometrics or stay signed in, so you have to constantly log out and log in to make payments, etc, making it no better than just using the website!! if they can’t fix the […]

As other reviewers have mentioned, I can’t access my savings account through the app. It prompts to add a credit card to manage, which cannot be bypassed. It’s concerning that a bank, especially an online-only one, would release an app version with such a glaring bug that prevents you from accessing your account, then not […]

Doesn’t always work! I have this app because it has a couple of my cards on it and I *thought* it would be easier to use on my phone. I was wrong. You still have to have the code texted/emailed to you to log in. Worse yet, at least half the time it won’t accept […]

app logs me out constantly. I select one item, like transactions and get logged out. any time I press the back button on my phone I get logged out. I pressed the back button on the transactions page and got logged out. then the biometrics doesn’t work after getting logged out this way. updates are […]

this is not user friendly. many errors. for example saying that email is incorrect to mail statements, when it is correct. Another issue is when you are signing up for new password it says emails dont match. yep, they sure did. if I have a few different credit cards from the same issuer, on the […]

I have reinstalled and changed password twice thinking it’s my phone but this app will not remember me after a few hours and I have to keep reconfirming who I am with text codes almost every time I want to log in. even if I just want to switch from one credit card to another. […]

8/29/5: This app hardly ever works. edit 8/17/25: I love that Comenity finally has an app, but it doesn’t work half the time. I get ‘It’s not you, it’s us’ error message. The previous app isn’t working now. 🫤 edit: the technical issue has been resolved! this is awesome! thank you! it’s great to see […]

Having a lot of issues with the card payment section of the app. The app always says your late on the payment but when I call they said I already paid it. For some reason my statement balance is always stuck at 262.25$ and I have made this payment like 3x and it still won’t […]

The cards are great but the app leaves MUCH to be desired. 1) It does not retain biometric selection. I have just tried switching between my 2 cards twice. each time I had to enter UN/PW because it didn’t recognize me. Each time, in each card, I reset the Biometric entry switch and the app […]

Can’t connect HYS account. The Bread site directs you to this app to manage your high yield savings account. I get the impression that there used to be a separate app that no longer exists. I can’t do anything with app except get stuck on a screen that demands I add cards that I don’t […]

In general works OK. But the huge problem, that the app absolutely does not work while I traveled out of the contry. The bank page also is not loaded with browser. I think for the same reason. Result-i was not able to pay my bill for 2 months. You are asking if I like this […]

How is this app even a 4*? The technology is frustrating. If you don’t have an account yet, be prepared for a challenge. Their system has a way of repeatedly saying your information is incorrect when you try to log into your account. You’ll find yourself constantly trying to verify your identity ,and often unable […]

Can’t connect to my Bread loan account. Despite that, when I go to log in through the website, it asks to redirect to this app every single time I log in. I don’t understand why they would have split up apps for accounts that just exist to take payments. Extremely similar yet one has access […]

Cashback reward redemptions are not streamlined. Other than that, it’s a normal credit card app. When the ‘Statement Balance’ is less than the rewards, you cannot redeem the rewards. It’s strange! When I asked an earlier question on the app, I received a standard ‘copy/paste’ answer that was available online as well. Useless Customer Service.