Overall (8.7/10)
Interest Rates & APY (8.9/10)
Fees & Minimums (9.1/10)
Customer Service (8.7/10)
Mobile App & Digital Banking (8.9/10)
Rewards & Perks (9.1/10)

Bread Financial Review:

Intro

Bread Financial (NYSE: BFH, operating Comenity Capital Bank) offers the high-earning Bread Savings High-Yield Savings Account (4.90% APY), high-rate CDs with higher renewal rates, and the unlimited 2% Bread Cashback American Express Credit Card.

Full Review

Bread Financial (Columbus, OH, USA) is a prominent U.S. financial institution evaluated on MoneyCompared. Bread Financial (NYSE: BFH, operating Comenity Capital Bank) offers the high-earning Bread Savings High-Yield Savings Account (4.90% APY), high-rate CDs with higher renewal rates, and the unlimited 2% Bread Cashback American Express Credit Card.

In our comprehensive 2026 review, Bread Financial earned strong marks across rate competitiveness (4.75% - 4.90% APY), fee transparency, digital mobile experience, and U.S. regulatory consumer protections. Customers can apply online directly at Bread Financial.

Pros

  • 4.90% APY on Bread High-Yield Savings with only a $100 minimum opening deposit
  • Bread Cashback American Express Card pays unlimited 2% cashback on all purchases with $0 annual fee
  • CD renewal loyalty bonus adds extra APY when rolling over maturing CDs
  • Zero monthly maintenance fees and no hidden transfer fees

Cons

  • No checking account offered
  • $100 minimum initial deposit required for Bread Savings ($1,500 for CDs)
Feature Value
Overall Rating 4.7
Savings APY / AER 4.75% - 4.90% APY
Deposit Insurance FDIC / NCUA Insured ($250k+)

Bread Financial: Products

View More
Bread Savings High-Yield Savings Account

Bread Savings High-Yield Savings Account

View More
Bread Cashback American Express Credit Card

Bread Cashback American Express Credit Card

View More
Bread Savings 1-Year High-Yield CD

Bread Savings 1-Year High-Yield CD

View More

Bread Financial: Categories

Credit Cards

Credit Cards

Rated 9.1

View More
CD Rates & Fixed Deposits

CD Rates & Fixed Deposits

Rated 9

View More
High-Yield Savings

High-Yield Savings

Rated 8.9

View More