# Branded credit cards

### There are lots of banks and fintechs out there. We’re different.

We’re the best of both. And building branded credit card programs has been our specialty for the last 30 years. Check out the [the full suite](https://www.breadfinancial.com/en/business-solutions/branded-credit-cards.html#ID19 "Learn more about our credit card products for businesses.") or [learn how it works](https://www.breadfinancial.com/en/business-solutions/branded-credit-cards.html#ID13 "Learn more about how our credit card programs work.").

**Ready to get started?**

[Contact an expert](https://www.breadfinancial.com/en/business-solutions/branded-credit-cards.html#contactanexpert)

## Trusted by leading brands

90+

successful partnerships1

10 year

average partnership length2

1.5-3X

increase in shopping trips³

## In fact, 1 in 7 U.S. adults has opened one of our credit accounts.⁴

# Credit card suite

Your brand. Our powerful technology and award-winning customer service.

## Private label

These cards can only be used at your store and have no transaction or annual fees.

The perfect solution to create loyalty among your customers by offering them exclusive discounts, pay-over-time options, and rewards programs.

## Co-brand

Experience all the advantages of private label with one extra benefit: your customers can use them anywhere.

Co-branded cards are one of the best strategies to keep your brand top of mind while driving repeated brand purchases.

## Customize your strategy

Offer your customers the payment options they need by combining [pay-over time solutions](https://www.breadfinancial.com/en/business-solutions/pay-over-time.html "Go to our pay over time solutions page") or adding a credit card product that works for your business.

[Contact an expert](https://www.breadfinancial.com/en/business-solutions/branded-credit-cards.html#contactanexpert "Go to our Contact an Expert form")

# Transform customers into regulars

Meet the Bread Financial Enhanced Digital Suite, a collection of powerful marketing tools that help you acquire new credit card accounts and grow your business.

# How it works

1. Enhanced presentment
2. Enhanced apply
3. Enhanced checkout

## Enhanced presentment

We place your credit card call to action in strategic places, not only at checkout.

## Enhanced apply

Our patented technology prefills the application when the customer’s information is available.

## Enhanced checkout

If approved, your customer can use their card right away, without ever having to leave your site.

## Success stories

### Caesars Rewards

Providing cardholders more ways to earn Tier Credits and Reward Credits

### New York Yankees

Rewarding loyal fans for their purchases with exclusive benefits

### Michaels

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

1Successful partnership information source: internal 2025 Partner Data Management reporting

2Partnership length information source: internal 2025 Partner Data Management reporting

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

4Statistic of 1 in 7 U.S. adults’ source, as of Dec. 2024: internal Strategy Analytics

NFL and the NFL shield design are registered trademarks of the National Football League. Visa is a registered trademark of Visa International Service Association and used under license.

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.