Bread Financial Holdings, Inc.

Credit card and consumer lending company with digital payment tools

What Bread Financial does

Bread Financial runs store-branded and co-branded credit card programs for retailers and brands, and also offers its own general-purpose cashback and rewards cards. It provides installment loans and split-pay options that let shoppers pay over time, often at online checkout. It also takes deposits from consumers through savings accounts and CDs.

How Bread Financial makes money

It earns mainly from interest and fees on the credit card balances and loans it originates and services, and funds those loans largely with consumer deposits such as CDs and high-yield savings accounts. Partner programs also bring in revenue from marketing, data and analytics services.

Products & services

• Private label and co-brand credit card programs
• Bread Cashback and Bread Rewards credit cards
• Bread Pay point-of-sale financing (installment loans and split-pay)
• Bread Savings CDs and high-yield savings accounts
• Unified SDK and payment APIs for merchants