Reviews of Bread Financial

By: Bread Financial Holdings, Inc. App

List of user reviews and ratings for Bread Financial

Total ratings

4.71 (Rating count: 38,569)

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Review summary

Most mentioned positives center on ease of use, quick payments, and a rewarding program. The key drawbacks cited repeatedly are app instability and glitches, slow performance or hangs, login/authentication issues (including biometric failures and being logged into the wrong or competing account), and unreliable alerts/notifications. In short, users appreciate the app’s simplicity and rewards when it functions, but consistency, reliable logins, and dependable notifications are the main areas needing improvement.

Pros

Easy to use and user-friendly interface
Quick and simple payments with few taps
Rewards program
Biometric login and security features are convenient
Positive overall experience when the app functions properly

Cons

Frequent glitches and instability; app can be slow or hang
Login/authentication problems (biometric not recognized and cross-account logins)
Alerts/notifications do not function reliably

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User Reviews

Recent rating average: 2.90

All time rating average: 4.71

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33% (199)

Date	Author	Comment
2026-08-19	Li*****	For some reason, this app will not recognize my credit cards, telling me that they are not on file. what is the problems?
For some reason, this app will not recognize my credit cards, telling me that they are not on file. what is the problems?
2026-08-19	Ni*****	Earlier App was easy to log in but since the last update I can't log in..everytime everyday it shows a technical issue. I am unable to check my statements and account. Really disappointed.
Earlier App was easy to log in but since the last update I can't log in..everytime everyday it shows a technical issue. I am unable to check my statements and account. Really disappointed.
2026-08-18	Pl*****	should give u till midnight not 5 lol
should give u till midnight not 5 lol
2026-08-18	J *****	excellent
excellent
2026-08-18	Ke*****	Fraudulent Finance Fees!! Been paying my balance off each month several times a month so no finance charges happen and somehow you still hit me with $11 in fees and if course I try to open the recent statement and it will only open from February when I'm clicking now for August. FRAUDULENT COMPANY AND FRAUDULENT CHARGES.
Fraudulent Finance Fees!! Been paying my balance off each month several times a month so no finance charges happen and somehow you still hit me with $11 in fees and if course I try to open the recent statement and it will only open from February when I'm clicking now for August. FRAUDULENT COMPANY AND FRAUDULENT CHARGES.
2026-08-18	J-*****	Convenient and give 5% back at grocery stores...... cool with me 👍....
Convenient and give 5% back at grocery stores...... cool with me 👍....
2026-08-18	ma*****	Easy app
Easy app
2026-08-18	ta*****	a lot easier to use and navigate than some other credit card sites
a lot easier to use and navigate than some other credit card sites
2026-08-18	Ke*****	terrible app. should have done it like aynchrony where you log in once and can see all of your accounts. why on earth do I have to log out to inly log back in to see another account?
terrible app. should have done it like aynchrony where you log in once and can see all of your accounts. why on earth do I have to log out to inly log back in to see another account?
2026-08-17	An*****	should have more sites
should have more sites