Comenity Bank Bread Financial: Bread Financial Credit Cards: A Review


Comenity Bank is a financial institution that offers a variety of credit products and services, including the Bread financing program. Bread is a flexible and transparent way to pay for purchases over time, without affecting your credit score. In this article, we will review the features, benefits and drawbacks of Comenity Bank Bread Financial.

Bread Features 

Comenity Bank Bread Financial allows you to shop online at participating merchants and choose a payment plan that suits your budget. You can see the total cost of your purchase upfront, with no hidden fees or surprises. You can also prequalify for financing without impacting your credit score, and check your balance and manage your payments online.

Benefits Comenity Bread Financial

Comenity Bread Financial has several benefits for consumers who want to pay for their purchases over time. Some of the benefits are:

  • You can choose from multiple payment options, ranging from 3 to 36 months, depending on the merchant and the purchase amount.
  • You can pay off your balance early at any time, without any prepayment penalties or fees.
  • You can enjoy low APRs, starting from 0% for some purchases, depending on your creditworthiness and the merchant’s terms.
  • You can use Bread financing for a variety of products and services, such as furniture, electronics, home improvement, travel and more.

Drawbacks Bread Financial Comenity

Comenity Bank Bread Financial also has some drawbacks that you should be aware of before applying. Some of the drawbacks are:

  • You can only use Bread financing at participating merchants, which may limit your shopping options.
  • You may incur late fees or interest charges if you miss a payment or pay less than the minimum amount due.
  • You may not qualify for Bread financing if you have a low credit score or a history of delinquencies or bankruptcies.
  • You may not be able to combine Bread financing with other discounts or promotions offered by the merchant.

Bread Financial Credit Cards: A Review

Bread Financial is a company that offers credit cards, loans, and savings products to consumers. One of their most popular products is the Bread Cashback™ American Express® Credit Card, which gives you 2% cash back on every purchase. In this article, we will review the features, benefits, and drawbacks of this card, and help you decide if it is right for you.

Features of the Bread Cashback Card 

The Bread Cashback Card is a credit card that works with the American Express network. This means you can use it at millions of merchants worldwide that accept American Express. The card has no annual fee and no foreign transaction fees, which makes it ideal for travelers and online shoppers. The card also has a low introductory APR of 0% for the first 12 months on purchases and balance transfers. After which it will vary based on your creditworthiness.

The main feature of the card is the 2% cash back on every purchase. There is no limit to how much cash back you can earn, and no categories or restrictions to worry about. You can redeem your cash back as a statement credit, a direct deposit to your bank account, or a gift card from select merchants. You can also use your cash back to pay for purchases at

Benefits of the Bread Financial Credit Cards

The Bread Cashback Card comes with several benefits that enhance your shopping and travel experience. As an American Express cardholder, you get access to:

  • Purchase protection: If something you buy with your card is damaged or stolen within 90 days of purchase, you can get reimbursed up to $1,000 per occurrence and $50,000 per year.
  • Extended warranty: If something you buy with your card has a manufacturer’s warranty of 5 years or less, you can get an extra year of coverage.
  • Return protection: If you are not satisfied with something you buy with your card within 90 days of purchase, and the merchant won’t take it back, you can get refunded up to $300 per item and $1,000 per year.
  • ID theft insurance: If someone steals your identity or uses your card fraudulently, you can get reimbursed up to $10,000 for expenses such as legal fees, lost wages, and credit monitoring services.
  • Travel accident insurance: If you or your family members are injured or killed while traveling on a common carrier (such as a plane, train, or bus) that you paid for with your card, you can get up to $100,000 in coverage.
  • Car rental loss and damage insurance: If you rent a car with your card and decline the collision damage waiver offered by the rental company, you can get coverage for damage or theft of the vehicle up to the actual cash value.
  • Global assist hotline: If you travel more than 100 miles from home and need emergency assistance, such as medical referrals, legal help, or lost passport replacement, you can call this 24/7 hotline for free.

Drawbacks of the Bread Cashback Card

The Bread Cashback Card is not perfect, and it may not suit everyone’s needs. Some of the drawbacks of this card are:

  1. High interest rate: After the introductory period ends, the APR on purchases and balance transfers will vary based on your creditworthiness and market conditions. The current range is 14.99% to 24.99%, which is higher than some other cash back cards. If you carry a balance on your card, you will pay a lot of interest over time.
  2. Limited acceptance: Although American Express is widely accepted in the US and many other countries, some merchants may not accept it or charge extra fees for using it. You may need to carry another card as a backup in case you encounter such situations.
  3. No sign-up bonus: Unlike some other cash back cards that offer a lump sum of cash back or points when you spend a certain amount within a certain period after opening the account, the Bread Cashback Card does not have any sign-up bonus. You will only earn cash back from your regular purchases.

Final Remarks

The Bread Cashback Card is a simple and straightforward credit card that gives you 2% cash back on every purchase. It has no annual fee and no foreign transaction fees, which makes it a good choice for frequent travelers and online shoppers. It also comes with several benefits from American Express that protect your purchases and provide assistance in case of emergencies.

However, the card also has some drawbacks that may make it less appealing for some people. It has a high interest rate after the introductory period ends, which means you should pay off your balance in full every month to avoid paying interest. It also has limited acceptance in some places and no sign-up bonus.

If you are looking for a credit card that gives you consistent cash back rewards without any hassle or complexity, the Bread Cashback Card may be a good option for you. However, if you are looking for a lower interest rate, more acceptance options, or a sign-up bonus, you may want to compare other cards before applying.

Comenity Bank Bread Financial is a convenient and transparent way to pay for purchases over time, without affecting your credit score. It offers flexible payment plans, low APRs and no hidden fees. However, it also has some limitations, such as limited merchant availability, potential late fees and interest charges, and credit requirements. Therefore, you should compare Bread financing with other credit options and choose the one that best suits your needs and preferences.

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About Author

Mikayla Dickson is the Managing Partner of PostingPapa – a multinational advertising agency focused on digital marketing that spans Eastern Europe, Africa, the Middle East, and Pakistan.

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