Bread Financial Holdings, Inc.

Bread Financial is the parent company of Comenity Bank and Comenity Capital Bank, two of the most widely recognized store credit card issuers in the United States. If you have a store credit card from a fashion retailer, a specialty brand, or a consumer goods company, it may be issued or serviced by one of these Comenity banks. Bread Financial also operates a buy now pay later service under the Bread brand.

The company issues both private label cards, which can only be used at the partner retailer, and co-branded cards carrying a Visa or Mastercard logo that can be used anywhere. Many of these cards offer rewards, points, or exclusive discounts tied to a specific retailer.

Like other retail card programs, some Comenity cards offer deferred interest promotional financing. This means that if the full balance is not paid off before the promotional period ends, interest may be charged retroactively from the original purchase date, not just on the remaining balance. Consumers should read promotional terms carefully before assuming no interest will apply.

Paying the full statement balance by the due date each month avoids interest charges on new purchases. If you carry a balance, interest will accrue at the card's stated annual percentage rate, which can be higher than rates on general-purpose credit cards.

Bread Financial also issues direct consumer credit cards beyond its retail partnerships. Comenity Bank and Comenity Capital Bank are both FDIC-insured. If you are considering any store card issued through Bread Financial, review the complete cardholder agreement including annual fees, the APR, credit limit policies, and any promotional financing conditions before applying for or using the card.