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Bread Financial: Credit Card, Loan, Saving & Payment Solutions
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class="cmp-container"> <div class="header"><header class="bf-header body-container"> <a href="#header-signIn" class="skip-to-signIn-link">Skip to Sign In</a> <a href="#header-end" class="skip-to-content-link">Skip to content</a> <div class="bf-header__primary" role="region" aria-label="Primary Header"> <div class="bf-header__primary__level0"> <ul class="bf-header__primary__level0__links"> <li class="level0-link" data-nav-l0-id='personal'> <a href="/en.html" aria-label="PERSONAL">PERSONAL</a> </li> <li class="level0-link" data-nav-l0-id='business'> <a href="/en/business-solutions.html" aria-label="BUSINESS">BUSINESS</a> </li> </ul> </div> <div class="bf-header__primary__logo"> <a href="/en.html"> <picture> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/Header-and-Footer/Bread%20Logo.svg"/> <img src="/content/dam/breadfinancial/us/en/images/Header-and-Footer/Bread%20Logo.svg" alt="Logo image" aria-label="Bread Financial"/> </picture> </a> </div> <div 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<div class="signin-shadow"> <ul class="common-dropdown-links" data-signin-id="personal"> <li> <a href="/en/credit-card-sign-in-search.html">Credit Cards</a> </li> <li> <a href="https://mysavings.breadfinancial.com/login" target="_blank">Savings</a> </li> <li> <a href="https://member-portal.breadpayments.com/" target="_blank">Loans</a> </li> <li class="signIn-toggle business-signin"> <button type="button" aria-label="View Business Sign In Options">Business Sign In</button> </li> </ul> <ul class="common-dropdown-links" data-signin-id="business"> <li> <a href="https://merchants.platform.breadpayments.com/login" target="_blank">Merchant Portal</a> </li> <li class="signIn-toggle personal-signin"> <button type="button" aria-label="Go to personal sign in">Personal Sign In</button> </li> </ul> </div> </li> </ul> <div class="bf-header__primary__icons"> <button type="button" class="bf-header__primary__icons--hamburger" aria-label="Click on the Hamburger Icon to open the menu"></button> <button 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href="https://comenity.net/ac/activate" target="_blank">Activate Credit Card</a> </li> <li> <a href="/en/bread-financial-cashback-card.html">Bread Cashback Card</a> </li> <li> <a href="/en/bread-rewards-credit-card.html">Bread Rewards Card</a> </li> </ul> </li> <li> <a class="arrow" tabindex="0">Loans</a> <ul class="common-dropdown-links"> <li> <a href="/en/bread-loans.html">Debt Consolidation</a> </li> <li> <a href="/en/buy-now-pay-later.html">Buy Now, Pay Later</a> </li> </ul> </li> <li> <a class="arrow" tabindex="0">Savings</a> <ul class="common-dropdown-links"> <li> <a href="/en/bread-savings.html">What We Offer</a> </li> <li> <a href="/en/bread-savings/high-yield-savings-account.html">High-Yield Savings Account</a> </li> <li> <a href="/en/bread-savings/certificates-of-deposit.html">Certificates of Deposit</a> </li> <li> <a href="/en/bread-savings/individual-retirement-account.html">IRAs: Retirement Savings & CDs</a> </li> <li> <a 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href="https://newsroom.breadfinancial.com/" target="_blank">News & Insights</a> </li> <li> <a href="https://sustainability.breadfinancial.com/" target="_blank">Sustainability</a> </li> <li> <a href="https://investor.breadfinancial.com/overview/default.aspx" target="_blank">Investors</a> </li> </ul> </li> </ul> </div> <div class="header-search"> <div class="header-search__mobile-wrapper"> <input class="header-search__mobile-input" type="text" placeholder="Search" aria-label="Click on the input to open the search modal" autocomplete="off"/> <i class="header-search__mobile-wrapper__search-icon" aria-label="Search"></i> </div> <div class="header-search__modal-wrapper"> <div class="header-search__modal"> <input class="header-search__input js-typeahead" data-id="js-typeahead-header" type="text" placeholder="Search" aria-label="Search through the site content" autocomplete="off" data-result-type-tags="breadfinancial:result-type/credit-card,breadfinancial:result-type/related-page,breadfinancial:result-type/video,breadfinancial:result-type/article,breadfinancial:result-type/related-website" data-typeahead-search-endpoint="/content/breadfinancial/us/en.bfsitetypeaheadsearch.json" data-viewallresults-text="View All Matching Cards" data-searchresults-page-path="https://www.breadfinancial.com/en/search-results"/> <i class="header-search__search-icon" role="img" aria-label="Search"></i> <button class="header-search__close-icon" aria-label="Click to view the Sign In options" type="button"></button> </div> </div> </div> <div class="bf-header__secondary__right"> <div class="header-search"> <div class="header-search__search-wrapper"> <input class="header-search__input js-typeahead" data-id="js-typeahead-header" type="text" placeholder="Search" aria-label="Search Bread Financial website" autocomplete="off" data-result-type-tags="breadfinancial:result-type/credit-card,breadfinancial:result-type/related-page,breadfinancial:result-type/video,breadfinancial:result-type/article,breadfinancial:result-type/related-website" data-typeahead-search-endpoint="/content/breadfinancial/us/en.bfsitetypeaheadsearch.json" data-viewallresults-text="View All Matching Cards" data-searchresults-page-path="https://www.breadfinancial.com/en/search-results"/> <i class="header-search__search-icon" role="img" aria-label="Search"></i> <div class="bf-header-search-no-results-faq-link">No results found. Try searching our <a title="Help Center" href="/en/help-center.html">Help Center</a>.</div> </div> </div> <ul class="signin common-dropdown"> <li> <button type="button" id="header-signIn" aria-label="Sign In">Sign In</button> <ul class="common-dropdown-links" data-signin-id="personal"> <li> <a href="/en/credit-card-sign-in-search.html">Credit Cards</a> </li> <li> <a href="https://mysavings.breadfinancial.com/login" target="_blank">Savings</a> </li> <li> <a href="https://member-portal.breadpayments.com/" target="_blank">Loans</a> </li> <li class="signIn-toggle business-signin"> <button type="button" aria-label="View Business Sign In Options">Business Sign In</button> </li> </ul> <ul class="common-dropdown-links" data-signin-id="business"> <li> <a href="https://merchants.platform.breadpayments.com/login" target="_blank">Merchant Portal</a> </li> <li class="signIn-toggle personal-signin"> <button type="button" aria-label="Go to personal sign in">Personal Sign In</button> </li> </ul> </li> </ul> </div> </div> </header> <div id="header-end"></div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-589e4dd50d" class="cmp-container"> <div class="notification"> <div class="notification"> <div class="bf-notification body-container" style="background-color: rgb(28, 129, 149)"> <div class="bf-notification__container"> <div class="bf-notification__icon_container"> <img src="/content/dam/breadfinancial/us/en/images/icons/white/Loans.png" aria-hidden="true"/> </div> <div class="bf-notification__content_container"> <div class="bf-notification__content_container--content" aria-live="assertive"> <p>Thanks for stopping by. We offer simple financial solutions to help you shop, borrow and save. <a href="/en/bread-financial-overview.html" target="_self" rel="noopener noreferrer">Learn more</a></p> </div> </div> </div> <div class="bf-notification__pagination"> <div> <i class="icon-arrow_back_ios"></i> <a class="link link-secondary bf-notification__pagination__prev" href="javascript:void(0)"> Previous </a> </div> <p class="bf-notification__pagination__count"></p> <div> <a class="link link-secondary bf-notification__pagination__next" href="javascript:void(0)"> Next </a> <i class="icon-arrow_forward_ios"></i> </div> </div> <div class="bf-notification__close_container"> <img src="/content/dam/breadfinancial/us/en/images/icons/white/16px.png" tabindex="0"/> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="bread-homepage-hero-section" class="cmp-container"> <div class="notification"> <div class="notification"> <div class="bf-notification body-container" style="background-color: "> <div class="bf-notification__container"> <div class="bf-notification__icon_container"> <img aria-hidden="true"/> </div> <div class="bf-notification__content_container"> </div> </div> <div class="bf-notification__pagination"> <div> <i class="icon-arrow_back_ios"></i> <a class="link link-secondary bf-notification__pagination__prev" href="javascript:void(0)"> Previous </a> </div> <p class="bf-notification__pagination__count"></p> <div> <a class="link link-secondary bf-notification__pagination__next" href="javascript:void(0)"> Next </a> <i class="icon-arrow_forward_ios"></i> </div> </div> <div class="bf-notification__close_container"> <img tabindex="0"/> </div> </div> </div> </div> <div class="herohome"> <div class="home-hero-wrapper body-container" role="region" aria-label="home-hero-wrapper"> <div class="home-hero-wrapper__left"> <div class="home-hero-wrapper__title"> <h1><span class="bf-oversized-title"><b>Earn <span class="bf-ratecard-rate1">Rate 1</span> APY<sup>*</sup></b></span></h1> <h1>with a high-yield savings account</h1> </div> <div class="home-hero-wrapper__description"> <ul><li>Highly competitive rates **</li><li>FDIC insured<sup>†</sup></li><li>No monthly or hidden fees</li></ul> </div> <div class="home-hero-wrapper__links"> <a style="--btnThemeColor : #1C8195" class="link link-primary home-hero-wrapper__buttons__link" data-micromodal-trigger="hysa-hero">More details </a> </div> <div class="home-hero-wrapper__buttons"> <a style="--btnThemeColor : #1C8195" class="btn btn-primary home-hero-wrapper__buttons__button" target="_blank" href="https://opensavings.breadfinancial.com/product/highYieldSavings">Open an account </a> <a style="--btnThemeColor : #1C8195" class="btn btn-tertiary home-hero-wrapper__buttons__button" href="/en/bread-savings/high-yield-savings-account.html">Learn more </a> </div> <div class="home-hero-wrapper__logos"> <img src="/content/dam/breadfinancial/us/en/images/branding/Bread%20Savings%20Logo.png"/> <img src="/content/dam/breadfinancial/us/en/images/home/FDIC.png"/> </div> </div> <div class="home-hero-wrapper__right "> <div class="home-hero-wrapper__brand"> <picture> <source media="(min-width: 767px)" srcset="/content/dam/breadfinancial/us/en/images/home/hero-bg-desktop.png"/> <img class="home-hero-wrapper__brand__logo" src="/content/dam/breadfinancial/us/en/images/home/hero-bg.png" alt="BG Img" aria-hidden="true"/> </picture> </div> </div> <div class="home-hero-wrapper__find-account"> <h2 class="home-hero-wrapper__find-account__title"> Sign in</h2> <div class="home-hero-wrapper__search"> <div class="bf-enhanced-signin"> <div class="bf-enhanced-signin-option__item" aria-label="Choose your account" tabindex="0"> <h2>Choose your account</h2> <span class="arrow arrow-down-icon"></span> <div class="bf-enhanced-signin-option__item-values" style="display: none;"> <ul class="navigation-list"> <li class="navigation-list__link"> <a class="signin-link" href="/en/credit-card-sign-in-search.html" tabindex="0"> <span class="link-text">Credit Cards</span> </a> </li> <li class="navigation-list__link"> <a class="signin-link" href="https://member-portal.breadpayments.com/" target="_target" tabindex="0"> <span class="link-text">Bread Loans & Payments</span> </a> </li> <li class="navigation-list__link"> <a class="signin-link" href="https://mysavings.breadfinancial.com/login" target="_target" tabindex="0"> <span class="link-text">Bread Savings</span> </a> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="homepage-bread-cashback-card-section" class="cmp-container"> <div class="divider color-teal background-grey"> <div class="divider" style="--dividerBgColor:#FFFFFF"> <div class="bf-divider-top body-container"> <svg width="1440" height="218" viewBox="0 0 1440 218" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M1440 217.16L1440 6.10352e-05L0 -6.10352e-05V218.001C156.966 151.735 421.33 108.227 721 108.227C1019.4 108.227 1282.79 151.367 1440 217.16Z" fill="#59BEC9"/> </svg> </div> </div> </div> <div class="teaser desktop-image-right mobile-image-top ratio-60-40"> <div class="bf-teaser body-container nobackground-color" role="region"> <div class="bf-teaser-text" style="--pt:124px; --pb:10px"> <div class="bf-teaser-text--title"><h2>The Bread Cashback™ American Express® Credit Card puts more in your pocket</h2> </div> <div class="bf-teaser-text--description"> Earn cash back rewards every day.<sup>1</sup> Plus, get peace of mind with American Express purchase protection, ID theft insurance and more.<sup>2</sup> </div> <div class="bf-teaser-text__columns"> <div class="bf-teaser-text__columns--column"> <div class="bf-teaser-text__columns--column-head">2% </div> <div class="bf-teaser-text__columns--column-desc">Unlimited cash back on purchases.<sup>1</sup> </div> </div> <div class="bf-teaser-text__columns--column"> <div class="bf-teaser-text__columns--column-head">$0 </div> <div class="bf-teaser-text__columns--column-desc"><u></u>Annual Fee and no Foreign Transaction Fees. <a href="https://d.comenity.net/legaldocs/breadcashback/legal-documents/cca" target="_blank" rel="noopener noreferrer"><span class="text-primary-color"><b><u>Review rates, fees and more</u></b></span></a>.<sup>3</sup> </div> </div> </div> <div class="bf-teaser-text__buttons"> <a style="--btnThemeColor : #1C8195" class="btn btn-primary bf-teaser-text__buttons--button" aria-label="open the Bread Cashback Credit Card landing page" href="/en/bread-financial-cashback-card.html">Learn more </a> <a style="--btnThemeColor : #1C8195" class="btn btn-tertiary bf-teaser-text__buttons--button" aria-label="open the Bread Cashback Credit Card landing page" target="_blank" href="https://acquire1.comenity.net/?clientName=breadcashback">Apply now </a> </div> <div class="bf-teaser-text__links"> <a class="link link-primary bf-teaser-text__links--link" aria-label="Opens card benefits modal" data-micromodal-trigger="amexmodal">More details</a> </div> </div> <div class="bf-teaser-image" style="--pb:0px"> <picture> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/home/Revised_Cashback_Card.png"/> <img src="/content/dam/breadfinancial/us/en/images/home/Revised_Cashback_Card.png" aria-hidden="true"/> </picture> </div> </div> </div> </div> </div> <div class="container responsivegrid bf-help-wrapper__categories"> <div id="container-f5d898b918" class="cmp-container"> <div class="separator"><div id="separator-b6c63f44ad" class="cmp-separator" style="padding: 80px 0px; --separatorTheme:#000000"> </div></div> <div class="spotlight spotlight-4-col"> <div class="bf-spotlight body-container" role="region" aria-label="bf-spotlight"> <div class="bf-spotlight-wrapper spotlight-overlay"> <div class="bf-spotlight__main"> <p class="bf-spotlight__heading">Explore more cards</p> <p class="bf-spotlight__paragraph">Get the brand exclusive offers and benefits you've been looking for. Open and use one of our credit cards today!</p> <div class="bf-spotlight__search"> <input class="bf-spotlight__input-box js-typeahead" data-id="js-typeahead-spotlight" type="text" name="txtBox" placeholder="Search brand credit cards" autoComplete='off' data-result-type-tags="breadfinancial:result-type/credit-card" data-typeahead-search-endpoint="/content/breadfinancial/us/en.bfsitetypeaheadsearch.json" data-viewallresults-text="Review All Matching Cards" data-searchresults-page-path="/content/breadfinancial/us/en/search-results"/> <svg class="bf-spotlight__search-icon" width="32" height="33" viewBox="0 0 32 33" fill="none" xmlns="http://www.w3.org/2000/svg"> <circle cx="14" cy="14.2539" r="6.5" stroke="#1C8195" stroke-width="3" stroke-linejoin="round"/> <line x1="19.7277" y1="19.1932" x2="26.3943" y2="25.8599" stroke="#1C8195" stroke-width="3" stroke-linejoin="round"/> </svg> <div class="bf-spotlight-search-no-results-faq-link">No results found. Try searching our <a title="Help Center" href="/en/help-center.html">Help Center</a>.</div> </div> </div> <div class="bf-spotlight-card"> <div class="bf-spotlight-card__content-container"> <picture class="bf-spotlight-card__card-image"> <source media="(min-width: 767px)" srcset="/content/dam/breadfinancial/us/en/images/home/aaa_spotlight.png/jcr:content/renditions/cq5dam.web.1280.1280.jpeg"/> <img src="/content/dam/breadfinancial/us/en/images/home/aaa_spotlight.png/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg" data-aem-asset-id="2ee04c51-ebbf-4bdb-88e4-b745a7c73f1d" data-trackable="true" aria-hidden="true"/> </picture> <p class="bf-spotlight-card__name">AAA Visa Signature® credit cards</p> <p class="bf-spotlight-card__description">$100 cash back paid as a statement credit.¹</p> </div> <div class="bf-spotlight-card__btn-container"> <a style="--btnThemeColor : #1C8195" class="link link-primary " data-micromodal-trigger="aaa_more_details">More details </a> <a style="--btnThemeColor : #1C8195" class="link link-primary " target="_blank" href="https://aaa.com/CreditCard">Apply </a> </div> </div> <div class="bf-spotlight-card"> <div class="bf-spotlight-card__content-container"> <picture class="bf-spotlight-card__card-image"> <source media="(min-width: 767px)" srcset="/content/dam/breadfinancial/us/en/images/home/nfl_spotlight.png/jcr:content/renditions/cq5dam.web.1280.1280.jpeg"/> <img src="/content/dam/breadfinancial/us/en/images/home/nfl_spotlight.png/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg" data-aem-asset-id="52dba887-0aff-404f-85e1-b467091c4831" data-trackable="true" aria-hidden="true"/> </picture> <p class="bf-spotlight-card__name">NFL Extra Points Visa® Credit Card</p> <p class="bf-spotlight-card__description">$100 cash back. Paid as a statement credit.¹</p> </div> <div class="bf-spotlight-card__btn-container"> <a style="--btnThemeColor : #1C8195" class="link link-primary " data-micromodal-trigger="nfl-visa">More details </a> <a style="--btnThemeColor : #1C8195" class="link link-primary " target="_blank" href="https://nflextrapoints.com/?channel=U&subChannel=P&storeNumber=9800&departmentId=034">Apply </a> </div> </div> <div class="bf-spotlight-card"> <div class="bf-spotlight-card__content-container"> <picture class="bf-spotlight-card__card-image"> <source media="(min-width: 767px)" srcset="/content/dam/breadfinancial/us/en/images/home/vs_spotlight.png/jcr:content/renditions/cq5dam.web.1280.1280.jpeg"/> <img src="/content/dam/breadfinancial/us/en/images/home/vs_spotlight.png/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg" data-aem-asset-id="5460bf61-46e2-4cd6-9032-643a40751c86" data-trackable="true" aria-hidden="true"/> </picture> <p class="bf-spotlight-card__name">Victoria’s Secret Mastercard® Credit Card</p> <p class="bf-spotlight-card__description">$25 off your first Victoria’s Secret purchase¹ </p> </div> <div class="bf-spotlight-card__btn-container"> <a style="--btnThemeColor : #1C8195" class="link link-primary " aria-label="Open card details disclosure statement" data-micromodal-trigger="victoria">More details </a> <a style="--btnThemeColor : #1C8195" class="link link-primary " aria-label="continue to the application page" target="_blank" href="https://www.victoriassecret.com/us/account/signin?vsccApply=true"> Apply </a> </div> </div> <div class="bf-spotlight-card"> <div class="bf-spotlight-card__content-container"> <picture class="bf-spotlight-card__card-image"> <source media="(min-width: 767px)" srcset="/content/dam/breadfinancial/us/en/images/home/ultadual_spotlight.png/jcr:content/renditions/cq5dam.web.1280.1280.jpeg"/> <img src="/content/dam/breadfinancial/us/en/images/home/ultadual_spotlight.png/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg" data-aem-asset-id="7e2b4da9-f171-471c-b57f-d1ae555a167c" data-trackable="true" aria-hidden="true"/> </picture> <p class="bf-spotlight-card__name">Ulta Beauty Rewards® Credit Card Program</p> <p class="bf-spotlight-card__description">20% off your first Ulta Beauty purchase.¹</p> </div> <div class="bf-spotlight-card__btn-container"> <a style="--btnThemeColor : #1C8195" class="link link-primary " data-micromodal-trigger="ulta">More details </a> <a style="--btnThemeColor : #1C8195" class="link link-primary " target="_blank" href="https://www.ulta.com/creditcards/landingpage.jsp">Apply </a> </div> </div> <div class="bf-spotlight__btn-container"> <a data-result-type-tags="breadfinancial:result-type/credit-card" data-searchresults-page-path="/content/breadfinancial/us/en/search-results" class="btn btn-primary" target="_self" tabindex="0">Explore cards</a> </div> </div> </div> </div> <div class="separator"><div id="separator-1f4062ad44" class="cmp-separator" style="padding: 80px 0px; --separatorTheme:#000000"> </div></div> </div> </div> <div class="container responsivegrid"> <div id="certificate-deposit-benefits-icon-list" class="cmp-container"> <div class="benefitsrobust"> <div class="bf-benefits-robust body-container" style="--benefitsBgColor: #13294B; --benefitsIconsBgColor: #007DBA; --benefitsTextColor: #ffffff;"> <div class="bf-benefits-robust-overlay"> <div class="bf-benefits-robust-overlay__header"> <div class="bf-benefits-robust-overlay__header__title"> <h2>Start earning <span class="bf-ratecard-rate2">Rate 2</span> APY*</h2> </div> <div class="bf-benefits-robust-overlay__header__description"> <h2>with a Bread Savings 6-month certificate of deposit</h2> </div> </div> <div class="bf-benefits-robust-overlay__section"> <div class="bf-benefits-robust-overlay__section-content"> <div class="bf-benefits-robust-overlay__section-content__icon"> <img src="/content/dam/breadfinancial/us/en/images/icons/white/Protect_svg.svg"/> </div> <div class="bf-benefits-robust-overlay__section-content__description"> <div class="bf-benefits-robust-overlay__section-content__description-title"> <h3>FDIC insured**</h3> </div> <div class="bf-benefits-robust-overlay__section-content__description-sub-title"> <p>Keeping your money safe</p> </div> </div> </div> <div class="bf-benefits-robust-overlay__section-content"> <div class="bf-benefits-robust-overlay__section-content__icon"> <img src="/content/dam/breadfinancial/us/en/images/icons/white/certificate.svg"/> </div> <div class="bf-benefits-robust-overlay__section-content__description"> <div class="bf-benefits-robust-overlay__section-content__description-title"> <h3>Highly competitive rates<sup>†</sup></h3> </div> <div class="bf-benefits-robust-overlay__section-content__description-sub-title"> <p>Earn interest immediately<sup>§</sup></p> </div> </div> </div> <div class="bf-benefits-robust-overlay__section-content"> <div class="bf-benefits-robust-overlay__section-content__icon"> <img src="/content/dam/breadfinancial/us/en/images/icons/white/no_hidden_fees.svg"/> </div> <div class="bf-benefits-robust-overlay__section-content__description"> <div class="bf-benefits-robust-overlay__section-content__description-title"> <h3>No hidden fees</h3> </div> <div class="bf-benefits-robust-overlay__section-content__description-sub-title"> <p>Plus, no monthly maintenance fee</p> </div> </div> </div> <div class="bf-benefits-robust-overlay__section-content"> <div class="bf-benefits-robust-overlay__section-content__icon"> <img src="/content/dam/breadfinancial/us/en/images/icons/white/Payments.svg"/> </div> <div class="bf-benefits-robust-overlay__section-content__description"> <div class="bf-benefits-robust-overlay__section-content__description-title"> <h3>$1,500 opening deposit</h3> </div> <div class="bf-benefits-robust-overlay__section-content__description-sub-title"> <p>Simple to fund and manage</p> </div> </div> </div> </div> <div class="bf-benefits-robust-overlay__footer"> <div class="bf-benefits-robust-overlay__footer-buttons"> <a style="--btnThemeColor : #1C8195" class="btn btn-secondary " href="/en/bread-savings/certificates-of-deposit.html">Compare CDs </a> <a style="--btnThemeColor : #1C8195" class="btn btn-quaternary " data-micromodal-trigger="cd-benefits-icon-list">More details </a> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="business-bnpl" class="cmp-container" style="background-color:#F4F5F5;"> <div class="teaser desktop-image-left mobile-image-top ratio-60-40 image-text-list-teaser"> <div class="bf-teaser body-container nobackground-color" role="region"> <div class="bf-teaser-text" style="--pt:124px; --pb:10px"> <div class="bf-teaser-text--title"><h1>Buy now, pay later</h1> </div> <div class="bf-teaser-text--description"> Online and in-store, buy the things you want now and pay over time with Bread Pay™. </div> <div class="bf-teaser-text__buttons"> <a style="--btnThemeColor : #1C8195" class="btn btn-primary bf-teaser-text__buttons--button" href="/en/buy-now-pay-later.html">Show me how </a> </div> <div class="bf-teaser-text__links"></div> </div> <div class="bf-teaser-image" style="--pb:0px"> <picture> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/home/BNPL.png"/> <img src="/content/dam/breadfinancial/us/en/images/home/BNPL.png" aria-hidden="true"/> </picture> </div> </div> </div> <div class="separator"><div id="separator-c9e1fc1c8a" class="cmp-separator" style="padding: 10px 0px; --separatorTheme:#000000"> </div></div> </div> </div> <div class="experiencefragment"> <div id="container-e75c6d4361" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="carouseltta aem-GridColumn aem-GridColumn--default--12"> <div class="bf-carousel-tta body-container bf-padding-top-about-us " style="background-color:"> <div class="bf-carousel-tta__container "> <h2 class="bf-carousel-tta--title text-center">Financial education resources for you </h2> <div class="bf-carousel-tta__slider content-true"> <div class="bf-carousel-tta__slider__content bf-carousel-tta__slider__about"> <div class="bf-carousel-tta__slider__item"> <!-- Carousel slide #1 --> <a class="bf-carousel-tta__slider__image__link" target="_self" href="/en/help/financial-education/topics/smarter-spending.html"> <picture> <source media="(min-width: 767px)" srcset="/content/dam/breadfinancial/us/en/images/home/Smarter%20Spending.png"/> <img class="bf-carousel-tta__slider--image" src="/content/dam/breadfinancial/us/en/images/home/Smarter%20Spending.png" alt="Go to Smarter Spending Topic page in Financial Education" aria-hidden="true"/> </picture> </a> <a href="/en/help/financial-education/topics/smarter-spending.html" target="_self" class="bf-carousel-tta__slider--title"> <div style=" text-align: left; ">Smarter<br /> spending ></div> </a> </div> <div class="bf-carousel-tta__slider__item"> <!-- Carousel slide #2 --> <a class="bf-carousel-tta__slider__image__link" target="_self" href="/en/help/financial-education/topics/understanding-credit.html"> <picture> <source media="(min-width: 767px)" srcset="/content/dam/breadfinancial/us/en/images/home/Understanding%20Credit.png"/> <img class="bf-carousel-tta__slider--image" src="/content/dam/breadfinancial/us/en/images/home/Understanding%20Credit.png" alt="Go to Understanding Credit Topic page in Financial Education" aria-hidden="true"/> </picture> </a> <a href="/en/help/financial-education/topics/understanding-credit.html" target="_self" class="bf-carousel-tta__slider--title"> <div style=" text-align: left; ">Understanding<br /> credit ></div> </a> </div> <div class="bf-carousel-tta__slider__item"> <!-- Carousel slide #3 --> <a class="bf-carousel-tta__slider__image__link" target="_self" href="/en/help/financial-education/topics/responsible-saving.html"> <picture> <source media="(min-width: 767px)" srcset="/content/dam/breadfinancial/us/en/images/home/Responsible%20Savings.png"/> <img class="bf-carousel-tta__slider--image" src="/content/dam/breadfinancial/us/en/images/home/Responsible%20Savings.png" alt="Go to Responsible Saving Topic page in Financial Education" aria-hidden="true"/> </picture> </a> <a href="/en/help/financial-education/topics/responsible-saving.html" target="_self" class="bf-carousel-tta__slider--title"> <div style=" text-align: left; ">Responsible<br /> saving ></div> </a> </div> <div class="bf-carousel-tta__slider__item"> <!-- Carousel slide #4 --> <a class="bf-carousel-tta__slider__image__link" target="_self" href="/en/help/financial-education/topics/managing-debt.html"> <picture> <source media="(min-width: 767px)" srcset="/content/dam/breadfinancial/us/en/images/home/Managing%20Debt.png"/> <img class="bf-carousel-tta__slider--image" src="/content/dam/breadfinancial/us/en/images/home/Managing%20Debt.png" alt="Go to Managing Debt Topic page in Financial Education" aria-hidden="true"/> </picture> </a> <a href="/en/help/financial-education/topics/managing-debt.html" target="_self" class="bf-carousel-tta__slider--title"> <div style=" text-align: left; ">Managing<br /> debt ></div> </a> </div> </div> <div class="bf-carousel-tta__slider__cta"> <a style="--btnThemeColor : #1C8195" class="btn btn-primary " href="/en/help/financial-education.html">Explore our resources </a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="modal"> <div class="bf-modal" id="hysa-hero" aria-hidden="true" aria-live="polite"> <div class="bf-modal__overlay" tabindex="-1" data-micromodal-close> <div class="bf-modal__container" role="dialog" aria-modal="true" style="--btnThemeColor : #1C8195"> <header class="modal-header"> <button aria-label="Close modal and return to main content" class="close-btn" alt="Close" data-micromodal-close><span></span></button> </header> <div class="modal-content"> <p>*ANNUAL PERCENTAGE YIELD (APY): All Bread Savings APYs are accurate as of <span class="bf-date-today"></span>. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For high-yield savings accounts, a minimum of $100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.</p> <p>**Rates are compared against competitor rates published by Bankrate.com and the institutions themselves as of 01/27/2025. Bankrate.com obtains the data from the various banks that is tracks and its accuracy cannot be guaranteed.</p> <p>†FDIC insurance up to $250,000 per depositor for each ownership category.</p> <p>Bread Savings™ is a product of Comenity Capital Bank, which is part of Bread Financial.</p> <div class="modal-content__btn-container"> <a href="javascript:void(0)" aria-label="Close modal and return to main content" data-micromodal-close class="btn btn-primary">Close</a> </div> </div> </div> </div> </div></div> <div class="modal"> <div class="bf-modal" id="amexmodal" aria-hidden="true" aria-live="polite"> <div class="bf-modal__overlay" tabindex="-1" data-micromodal-close> <div class="bf-modal__container" role="dialog" aria-modal="true" aria-labelledby="Open card benefits modal" style="--btnThemeColor : #1C8195"> <header class="modal-header"> <button aria-label="Close modal and return to main content" class="close-btn" alt="Close" data-micromodal-close><span></span></button> </header> <div class="modal-content"> <h4>Card benefits</h4> <p> </p> <ul><li>Earn 2% unlimited cash back on purchases when you use the Bread Cashback<sup>TM</sup> American Express® Credit Card.<sup>1</sup></li><li>Get peace of mind with American Express purchase protection, ID theft insurance and more.<sup>2</sup></li><li>No annual fee and no Foreign Transaction Fees.<sup>3</sup></li></ul> <p> </p> <p><sup>1</sup> Offer is exclusive to Bread Cashback American Express Credit Card holders enrolled in the Bread Cashback program. Cashback can be redeemed as statement credit or direct deposit. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. Please reference the <a href="https://d.comenity.net/breadcashback/common/Legal/RewardsTermsAndConditionsDisclosure.xhtml" target="_blank" rel="noopener noreferrer"><u>Rewards Terms and Conditions</u></a> for full program details.</p> <p><sup>2</sup> Certain terms, conditions, and exclusions apply. For more details, visit <a href="https://www.americanexpress.com/en-us/network/bread/" target="_blank" rel="noopener noreferrer"><u>American Express</u></a>.</p> <p><sup>3</sup> <a href="https://d.comenity.net/legaldocs/breadcashback/legal-documents/cca" target="_blank" rel="noopener noreferrer">Review</a> important rate, fee, and other cost information.</p> <p>Credit card offers are subject to credit approval.<br /> </p> <p>American Express is a registered trademark of American Express. This Card is issued by Comenity Capital Bank pursuant to a license from American Express.</p> <div class="modal-content__btn-container"> <a href="javascript:void(0)" aria-label="Close modal and return to main content" data-micromodal-close class="btn btn-primary">Close</a> </div> </div> </div> </div> </div></div> <div class="modal"> <div class="bf-modal" id="cd-benefits-icon-list" aria-hidden="true" aria-live="polite"> <div class="bf-modal__overlay" tabindex="-1" data-micromodal-close> <div class="bf-modal__container" role="dialog" aria-modal="true" style="--btnThemeColor : #1C8195"> <header class="modal-header"> <button aria-label="Close modal and return to main content" class="close-btn" alt="Close" data-micromodal-close><span></span></button> </header> <div class="modal-content"> <p><b>CD Details</b></p> <p>*ANNUAL PERCENTAGE YIELD (APY): All Bread Savings APYs are accurate as of <span class="bf-date-today"></span>. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For high-yield savings accounts, a minimum of $100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.</p> <p>**FDIC insurance up to $250,000 per depositor for each ownership category.</p> <p>†Rates are compared against competitor rates published by Bankrate.com and the institutions themselves as of 01/27/2025. Bankrate.com obtains the data from the various banks that is tracks and its accuracy cannot be guaranteed.</p> <p>§Refers to deposits by ACH that are received before 5 p.m. CT on a business day (Monday through Friday, excluding federal holidays). Deposits begin earning interest from the moment they are received but may not be immediately available for withdrawal. Deposits received after 5 p.m. CT or on a non-business day are received on the next business day.</p> <div class="modal-content__btn-container"> <a href="javascript:void(0)" aria-label="Close modal and return to main content" data-micromodal-close class="btn btn-primary">Close</a> </div> </div> </div> </div> </div></div> <div class="modal"> <div class="bf-modal" id="aaa_more_details" aria-hidden="true" aria-live="polite"> <div class="bf-modal__overlay" tabindex="-1" data-micromodal-close> <div class="bf-modal__container" role="dialog" aria-modal="true" style="--btnThemeColor : #1C8195"> <header class="modal-header"> <button aria-label="Close modal and return to main content" class="close-btn" alt="Close" data-micromodal-close><span></span></button> </header> <div class="modal-content"> <h4>Card Details</h4> <p><sup>1</sup> Valid one time only. Offer is exclusive to AAA Daily Advantage Visa Signature Credit Card or AAA Travel Advantage Visa Signature credit card holders enrolled in the AAA Daily Advantage or AAA Travel Advantage program. Maximum of $100 statement credit per account. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see Daily: <a href="https://AAA.com/AdvantageDailyTerms" target="_blank" rel="noopener noreferrer">AAA.com/AdvantageDailyTerms</a> or Travel: <a href="https://AAA.com/AdvantageTravelTerms" target="_blank" rel="noopener noreferrer">AAA.com/AdvantageTravelTerms</a>.</p> <p>Credit card offers are subject to credit approval.</p> <p>AAA Daily Advantage and AAA Travel Advantage Visa Signature® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.</p> <div class="modal-content__btn-container"> <a href="javascript:void(0)" aria-label="Close modal and return to main content" data-micromodal-close class="btn btn-primary">Close</a> </div> </div> </div> </div> </div></div> <div class="modal"> <div class="bf-modal" id="nfl-visa" aria-hidden="true" aria-live="polite"> <div class="bf-modal__overlay" tabindex="-1" data-micromodal-close> <div class="bf-modal__container" role="dialog" aria-modal="true" style="--btnThemeColor : #1C8195"> <header class="modal-header"> <button aria-label="Close modal and return to main content" class="close-btn" alt="Close" data-micromodal-close><span></span></button> </header> <div class="modal-content"> <h4>Card Details</h4> <p>$100 cash back when you open and spend $500 on purchases outside of the NFL in your first 90 days from open date. Paid as a statement credit.<sup>1</sup></p> <p><sup>1</sup>Valid one time only. Offer is exclusive to NFL Extra Points Visa® Credit Card holders enrolled in the NFL Extra Points program. Maximum of $100 cash back. Offer excludes all NFL purchases including NFLShop.com, NFL stadium purchases and NFL tickets made at NFL Team Ticket Offices, Ticketmaster, StubHub and SeatGeek. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please visit <a href="https://comenity.net/nflvisa" target="_blank" rel="noopener noreferrer">comenity.net/nflvisa</a>.</p> <p>Credit card offers are subject to credit approval.</p> <p>Your team branded Extra Points Visa Credit Card represents your team affiliation within the NFL Extra Points Visa Credit Card program. Any reference to your team affiliated Extra Points Visa Credit Card is equivalent to the NFL Extra Points Visa Credit Card.</p> <p>NFL Extra Points Visa® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.</p> <div class="modal-content__btn-container"> <a href="javascript:void(0)" aria-label="Close modal and return to main content" data-micromodal-close class="btn btn-primary">Close</a> </div> </div> </div> </div> </div></div> <div class="modal"> <div class="bf-modal" id="victoria" aria-hidden="true" aria-live="polite"> <div class="bf-modal__overlay" tabindex="-1" data-micromodal-close> <div class="bf-modal__container" role="dialog" aria-modal="true" style="--btnThemeColor : #1C8195"> <header class="modal-header"> <button aria-label="Close modal and return to main content" class="close-btn" alt="Close" data-micromodal-close><span></span></button> </header> <div class="modal-content"> <h4>Card Details</h4> <p><sup>1</sup>Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received in your cart or via email after you open your new account. Must have valid email address and U.S. mailing address. Sign in to your VictoriasSecret.com account to begin your application for the Victoria’s Secret Credit Card Program. Offer not redeemable for cash or credit. Offer not valid on previous purchases, gift cards and clearance items. Additional limitations may apply. Offer may be modified or discontinued at any time with or without notice.</p> <p>Credit card offers are subject to credit approval.</p> <p>Victoria's Secret Credit Card Accounts are issued by Comenity Bank.</p> <p>Victoria's Secret Mastercard® Credit Card Accounts are issued by Comenity Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.</p> <div class="modal-content__btn-container"> <a href="javascript:void(0)" aria-label="Close modal and return to main content" data-micromodal-close class="btn btn-primary">Close</a> </div> </div> </div> </div> </div></div> <div class="modal"> <div class="bf-modal" id="ulta" aria-hidden="true" aria-live="polite"> <div class="bf-modal__overlay" tabindex="-1" data-micromodal-close> <div class="bf-modal__container" role="dialog" aria-modal="true" aria-labelledby="Continue to Ulta rewards page" style="--btnThemeColor : #1C8195"> <header class="modal-header"> <button aria-label="Close modal and return to main content" class="close-btn" alt="Close" data-micromodal-close><span></span></button> </header> <div class="modal-content"> <h4>Card Details</h4> <p>Open and use an Ulta Beauty Rewards™ Mastercard® Credit Card or Ulta Beauty Rewards™ Credit Card to save 20% off on all products and services on your first Ulta Beauty purchase.<sup>1</sup></p> <p>Plus earn 2x points everyday. 2 points per $1 spent at Ulta Beauty with your Ulta Beauty Rewards™ credit card.<sup>2</sup></p> <p><sup>1</sup>Valid one time only. Duplicated offers will not be accepted. Excludes gift cards and prior purchases. If approved online, you must be opted into Ulta Beauty emails to receive 20% off coupon. </p> <p><sup>2</sup>Mentioned earning based on Base member level. Offer is exclusive to Ulta Beauty Rewards™ or Ulta Beauty Rewards™ Mastercard® credit card holders enrolled in the Ulta Beauty Rewards™ program. This rewards program is provided by Ulta Beauty® and its terms may change at any time. For full Rewards Terms and Conditions, please visit <a href="http://ulta.com/rewards" target="_blank" rel="noopener noreferrer"><u>ulta.com/rewards</u></a>.</p> <p>Credit card offers are subject to credit approval. </p> <p>Ulta Beauty Rewards™ Credit Card Accounts are issued by Comenity Capital Bank.</p> <p>Ulta Beauty Rewards™ Mastercard® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.</p> <div class="modal-content__btn-container"> <a href="javascript:void(0)" aria-label="Close modal and return to main content" data-micromodal-close class="btn btn-primary">Close</a> </div> </div> </div> </div> </div></div> </div> </div> <div class="disclaimer aem-GridColumn aem-GridColumn--default--12"> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-21f770cde4" class="cmp-experiencefragment cmp-experiencefragment--footer"> <div id="container-30b4ddc79a" class="cmp-container"> <div class="footer"> <footer class="footer-wrapper body-container"> <div class="footer-wrapper__divider-blue"></div> <div class="footer-wrapper__top"> <div class="footer-wrapper__top-content"> <a> <img class="bread-financial-logo" src="/content/dam/breadfinancial/us/en/images/Header-and-Footer/logo.png" alt="Bread Financial"/> </a> <ul class="footer-wrapper__top-content-icons"> <li class="footer-social-icon"> <a href="https://facebook.com/breadfinancial" aria-label="continue to Bread Financial's Facebook page." target="_blank"> <img alt="Bread Financial on Facebook" src="/content/dam/breadfinancial/us/en/images/icons/social-share/Facebook.svg"/> </a> </li> <li class="footer-social-icon"> <a href="https://x.com/breadfinancial" aria-label="continue to Bread Financial's X page." target="_blank"> <img alt="Bread Financial on X" src="/content/dam/breadfinancial/us/en/images/icons/social-share/X.svg"/> </a> </li> <li class="footer-social-icon"> <a href="https://www.instagram.com/breadfinancial" aria-label="continue to Bread Financial's Instagram page" target="_blank"> <img alt="Bread Financial on Instagram" src="/content/dam/breadfinancial/us/en/images/icons/social-share/Instagram.svg"/> </a> </li> <li class="footer-social-icon"> <a href="https://www.linkedin.com/company/Bread-Financial" aria-label="continue to Bread Financial's LinkedIn page" target="_blank"> <img alt="Bread Financial on LinkedIn" src="/content/dam/breadfinancial/us/en/images/icons/social-share/LinkedIn.svg"/> </a> </li> <li class="footer-social-icon"> <a href="https://www.youtube.com/breadfinancial" aria-label="continue to Bread Financial's YouTube page" target="_blank"> <img alt="Bread Financial on YouTube" src="/content/dam/breadfinancial/us/en/images/icons/social-share/YouTube.svg"/> </a> </li> </ul> </div> </div> <div class="footer-wrapper__divider-grey"></div> <div class="footer-wrapper__middle"> <ul class="footer-list"> <li class="footer-item"> <a href="/en/who-we-are.html" aria-label="You’re leaving to go to About Bread Financial" target="_self">About</a> </li> <li class="footer-item"> <a href="/en/who-we-are/careers.html" aria-label="You’re leaving this page to go to Careers" target="_self">Careers</a> </li> <li class="footer-item"> <a href="http://newsroom.breadfinancial.com/" aria-label="You’re leaving this page to go to News and Insights" target="_blank">News & Insights</a> </li> <li class="footer-item"> <a href="https://sustainability.breadfinancial.com/" aria-label="You’re leaving this page to go to Sustainability" target="_blank">Sustainability</a> </li> <li class="footer-item"> <a href="http://investor.breadfinancial.com/" aria-label="You’re leaving this page to go to Investors" target="_blank">Investors</a> </li> <li class="footer-item"> <a href="/en/help/financial-education.html" aria-label="You’re leaving to go to Financial Education" target="_self">Financial Education</a> </li> <li class="footer-item"> <a href="https://breadfinancial.com/en/help-center.html#contactus" aria-label="You’re leaving to go to Contact Us" target="_self">Contact Us</a> </li> <li class="footer-item"> <a href="/en/help-center.html" aria-label="You’re leaving to go to Help Center" target="_self">Help Center</a> </li> </ul> </div> <div class="footer-wrapper__bottom"> <div class="footer-wrapper__bottom-links"> <ul class="footer-list"> <li class="footer-item"> <a href="/en/privacy.html" aria-label="You’re leaving this page to go to our Privacy Policy" target="_self">Privacy Policy</a> </li> <li class="footer-item"> <a href="https://calprivacy.comenity.com/s/" aria-label="You’re leaving this page to go to the Do Not Sell or Share My Information form" target="_blank">Do Not Sell or Share My Information</a> </li> <li class="footer-item"> <a href="/en/terms-of-service.html" aria-label="You’re leaving this page to go to Website Terms of Use" target="_self">Website Terms of Use</a> </li> </ul> </div> <div class="footer-wrapper__bottom-copyright"> <p>Copyright ©2025 Bread Financial. 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Bread Pay™ and Bread Loans™ are a suite of loan products made by Comenity Capital Bank, a Utah state-chartered bank, Member FDIC.</p> <p><img src="/content/dam/breadfinancial/us/en/images/Header-and-Footer/FDIC.png" alt=""/> All deposit products are provided by Comenity Capital Bank, a Utah state-chartered bank. ©2025 Comenity Capital Bank.<br /> </p> </div> </div> </footer></div> <div class="modal"> <div class="bf-modal" id="footer-contact-us-modal" aria-hidden="true" aria-live="polite"> <div class="bf-modal__overlay" tabindex="-1" data-micromodal-close> <div class="bf-modal__container" role="dialog" aria-modal="true" style="--btnThemeColor : #1C8195"> <header class="modal-header"> <button aria-label="Close modal and return to main content" class="close-btn" alt="Close" data-micromodal-close><span></span></button> </header> <div class="modal-content"> <h3>Get In Touch<a href="tel:1-855-796-9632" target="_blank" rel="noopener noreferrer"></a></h3> <p>Can't find what you are looking for? 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