Bread Financial (Comenity) credit cards
Retail and co-brand issuer (formerly Comenity) with its own Bread-branded cash-back cards. Took over the NFL card from Barclays in Aug 2026.
About Bread Financial (Comenity)
Bread Financial, long known to shoppers through its Comenity brand, is a retail and co-brand card issuer best known for store cards from brands such as Ulta Beauty and Victoria's Secret and for its own Bread-branded cash-back cards. Its cards are issued by its banks, Comenity Bank and Comenity Capital Bank, and include the Bread Cashback American Express Card, the Ulta Beauty Rewards Mastercard, the Victoria's Secret Credit Card and the NFL Extra Points American Express Credit Card, which moved to Bread from Barclays in August 2026.
Bread suits you if you shop often with a partner brand and want its store rewards, or if you want a simple cash-back card from the Bread line. The limitation: store cards tend to carry higher APRs than bank cards and limited use outside the brand, and each card is managed through its own Account Center login rather than one combined dashboard.
Notable Bread Financial (Comenity) cards
- NFL Extra Points American Express Credit Card
- Bread Cashback American Express Card
- Ulta Beauty Rewards Mastercard
- Victoria's Secret Credit Card
Bread Financial (Comenity) cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Bread FinancialNFL Extra Points 3756 023857 09097 VALID THRU 09/28JORDAN TAYLOR NFL Extra Points American Express Credit CardNFL fans buying team merchandise and tickets |
None | 3% NFL and NFL team purchases; 2% groceries, food delivery, restaurant… | None | See issuer | See issuer | — |
Approval rules and tips
Bread Financial (Comenity) does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
- Some Bread-branded cards offer prequalification; Bread notes that failing to prequalify is not a denial and you can still submit a full application.
- A full application pulls your full credit report.
- Apply for store cards through the partner brand's website, app or checkout, where Bread processes the application.
- Check whether a card is store-only or runs on Mastercard or American Express before applying, since that decides where you can use it.
How to apply for a Bread Financial (Comenity) card
Apply through the partner brand's website, app or store checkout, or through Bread Financial's site for Bread-branded cards. Some cards offer prequalification, which is not a guarantee of credit; submitting a full application means a full credit report is obtained. Have your name, address, date of birth, Social Security number and income ready. After approval, manage the card through its own Account Center site.
Customer service: www.breadfinancial.com · 1-855-796-9632
Bread Financial (Comenity) FAQs
What credit cards does Bread Financial (Comenity) offer?
Bread Financial (Comenity)'s notable cards include NFL Extra Points American Express Credit Card, Bread Cashback American Express Card, Ulta Beauty Rewards Mastercard, Victoria's Secret Credit Card. See the cards we review below for fees, rewards and APRs.
Does Bread Financial (Comenity) have special approval rules?
Bread Financial (Comenity) does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a Bread Financial (Comenity) credit card?
Apply on www.breadfinancial.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
Is Comenity the same as Bread Financial?
Yes, in practice. Comenity Bank and Comenity Capital Bank are the Bread Financial banks that issue its credit cards, and many store cards still show the Comenity name on statements and Account Center pages. Bread Financial is the parent company, and its help center covers cards issued by both banks.
Does Bread Financial have its own credit cards?
Yes. Alongside store and partner cards, Bread offers its own Bread-branded cards, such as the Bread Cashback American Express Card, which can be used wherever American Express is accepted. These suit you if you want cash back without committing to a single retailer's rewards program.