Different businesses need different solutions.

We cover them all.

From pay over time options to private label and co-branded credit cards, we have more than 30 years of experience helping national brands and startups.

First Name

Last Name

Business Email

Job Title

Phone Number

Company

Annual Total Revenue

Lead Source

utm_medium

utm_content

utm_source

utm_term

utm_campaign

Comments

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Ah, the thrill of success!

We're excited about working with you. An expert will be reaching out within one business day

Trusted by these partners and more

Because we deliver

$27B _{in annual sales¹}
35.6M _{open unique customers²}
1.5-3X _{increase in shopping trips³}

This is why we have

90% _{partner renewal rate⁴}
33.8M _{cards with purchase balances⁵}
1 in 7 _{U.S. adults with open accounts⁶}

A full suite of payment solutions

Our white-label financing and credit card products can be implemented individually or mixed and matched according to your business needs.

Pay Over Time

Experience fully customizable options and fast implementation.

Installments

An intuitive platform that allows flexible payments online or in-store

Bread Pay®SplitPay

A fast and effective way to gain a competitive edge by targeting customers who want short-term financing

Explore financing options

Branded Credit Cards

Find out why 1 in 7 adults in the U.S. already has one of our credit cards.⁶

Private label

Financing, rewards and exclusive offers that increase sales and loyalty

Co-brand

All the benefits of our private label program paired with the flexibility of a traditional credit card

Explore credit card options

Looking for a customized strategy?

Contact an expert

Award-winning customer service

And this means that our customers — and our customers' customers — are always a priority.⁷

20 years in a row

Center of Excellence

2019 & 2020 Gold Stevie® Awards

Customer Service Training

Team of the Year

6X Winner

NICE customer

experience award

Success stories

Michaels

Offering the most rewards ever for the store’s loyal cardholders

Apt2B

Seizing the opportunity to make quality furniture more accessible

New York Yankees

Rewarding loyal fans for their purchases with exclusive benefits

Go to all success stories

Innovative Ideas and Industry Insights

We make it happen by envisioning and developing proprietary products and solutions.

Review our patents

¹Annual sales source: 2024 Bread Financial Annual Report

²Number of open, unique customers source, as of Dec. 2024: internal Strategy Analytics

³Shopping trip range source, as of Sept. 2024: internal Portfolio Analytics

⁴Partner renewal rate source: internal 2025 Partner Data Management reporting.

⁵Number of credit card accounts with a purchase balance source, as of Dec. 2024: internal Strategy Analytics

⁶Statistic of U.S. adults with open accounts source, as of Dec. 2024: internal Strategy Analytics

⁷Center of Excellence Certified, Benchmark Portal; Gold Stevie® Award winner, The Stevie Awards; Customer Experience Award winner, NICE.

NFL and the NFL shield design are registered trademarks of the National Football League.

Comenity Mastercard Credit Card Accounts are issued by Comenity Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

reCAPTCHA

protected by reCAPTCHA