Unlimited 2% cash back on purchases
About Bread Financial
Simple Financial Solutions to Help You Reach Your Goals
Bread Financial™ provides simple, personalized payment, lending and saving solutions. We offer a diverse range of financial products including high-yield savings accounts, certificates of deposit, and credit cards with unlimited cash back rewards.Our accounts are FDIC-insured with no hidden fees. Whether you are looking to grow your savings with competitive APY rates, earn cash back on everyday purchases, or finance large purchases with easy pay-over-time payments, Bread Financial has the right solution for you.
Learn More
Features
Get More From Your Financial Products
Apply today to enjoy exclusive rewards, financing options and cardmember-only perks with your new card.
- Unlimited 2% cash back — no categories to manage.
- $0 annual fee on the Bread Cashback™ American Express® Credit Card.
- Access to American Express® benefits worldwide.
- High-yield savings up to 4.15% APY — FDIC insured.
- No hidden fees, no monthly maintenance fee.
2% Cash Back
Earn unlimited 2% cash back on all purchases with the Bread Cashback™ American Express® Credit Card.
High-Yield Savings
Earn up to 4.15% APY with our FDIC-insured high-yield savings accounts and certificates of deposit.
$0 Annual Fee
No annual fee on the Bread Cashback™ Card. No categories to manage. No hidden fees on savings accounts.
Mobile App
Manage your accounts anywhere, any time. Access accounts on the go and schedule payments with ease.
FDIC Insured
Keeping your money safe. All savings accounts and CDs are FDIC insured with no hidden charges.
Our Loan Products
Flexible Financing Solutions for Every Need
100%
FDIC Insured
$0
Annual Fee
4.15%
Savings APY
2%
Cash Back Rate
FAQ
Frequently Asked Questions
Resources
Financial Education Resources
01
Apr
Pay Over Time: Smart Financing with Bread Pay®
Bread Pay® is a financing solution that helps consumers make online and in-store purchases with easy, pay-over-time payments. Whether you are buying furniture, electronics, or covering an unexpected expense, Bread Pay® offers transparent terms with no surprises.Unlike revolving credit card debt, Bread Pay® installment loans have fixed payment schedules, making it easier to budget and plan. You know exactly how much you owe each month and when your last payment will be made.
01
Apr
Responsible Saving: Why High-Yield Savings Accounts Matter
With traditional savings accounts offering minimal interest rates, high-yield savings accounts have become an essential tool for savers who want their money to work harder. Bread Financial savings accounts offer up to 4.15% APY — significantly higher than the national average.The power of compound interest means that even modest savings grow substantially over time at these rates. A $10,000 deposit earning 4.15% APY accumulates over $415 in interest in just one year, compared to pennies in a traditional bank account.
01
Apr
Understanding Credit: Building and Maintaining a Strong Credit Score
Your credit score is one of the most important numbers in your financial life. It affects your ability to get a mortgage, car loan, or even a credit card with competitive rewards. Understanding how your score is calculated and what factors influence it is the first step to building and maintaining excellent credit.Payment history makes up 35% of your FICO score — the single largest factor. Making on-time payments every month is the most impactful thing you can do. Setting up autopay for at least the minimum payment ensures you never miss a due date.
-
Like To Become A Hero
We are an international company working globally having clients from different parts of the world.
- Take Loan