Information Density: Bread Financial – Signal Evidence & AI Readability

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[H1] We're offering you 4.00% APY*

[H1] with a high-yield savings account

Highly competitive ratesFDIC insured†No monthly or hidden fees

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[IMG: Bread Savings logo]

[IMG: Member FDIC logo]

[IMG: BG Img]

[H2]
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[H2] Choose your account

Credit Cards

Bread Loans & Payments

Bread Savings

Explore our products

[H5] High-yield savings account

[H5] Certificates of deposit

[H5] Bread Cashback card

[H5] Credit cards

New Partnership

The Kids Mental Health Foundation

Kids’ Mental Health Starts with Us

When adults have the right tools, kids can thrive. Explore our partnership with The Kids Mental Health Foundation and discover free, research‑backed resources to support children’s mental health.

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New Credit Card

Crypto Visa Signature® Credit Card

Earn up to 6% back

Earn back in Crypto when you use your card on everyday purchases.2
Earn 1.5% with Midnight.Earn 6% with Obsidian.Enjoy additional benefits through the Level Up Program.6No annual credit card fees.5

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[IMG: Featured Retirement Account]

Featured Retirement Account

Individual Retirement Accounts

Up to 4.15% APY2

Save for a rewarding retirement with an IRA.
Up to 4.15% APY.2Open an IRA high-yield savings account or CD.3Accounts are FDIC-insured with no hidden fees.

Open an account

[H2] Get more from your credit card
Apply today to enjoy exclusive rewards, financing options and cardmember-only perks with your new card.

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[H3] Victoria’s Secret Mastercard® Credit Card
$25 off your first Victoria’s Secret purchase¹

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Apply

[H3] Academy Sports + Outdoors Credit Card
$15 off today when you open and use your card on your first purchase over $15.¹

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Apply

[H3] Ross Credit Card Program
10% off a purchase at Ross Dress for Less when you open and use a Ross Credit Card¹

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Apply

[H3] HP Credit Account
Special Financing available when you use your HP Credit Account¹

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Check out cards

[H2] Start earning 4.15% APY*

[H2] with a Bread Savings 9-month certificate of deposit

[H3] FDIC insured**

Keeping your money safe

[H3] Highly competitive rates

Earn interest immediately§

[H3] No hidden fees

Plus, no monthly maintenance fee

[H3] $1,500 opening deposit

Simple to fund and manage

Compare CDs

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[H1] Pay Over Time

Bread Pay® is a financing solution that helps you make online and in-store purchases with easy, pay-over-time payments.

Show me how

[H2] Financial education resources for you

[IMG: Go to Smarter Spending Topic page in Financial Education]

Smarter
spending >

[IMG: Go to Understanding Credit Topic page in Financial Education]

Understanding
credit >

[IMG: Go to Responsible Saving Topic page in Financial Education]

Responsible
saving >

[IMG: Go to Managing Debt Topic page in Financial Education]

Managing
debt >

Explore our resources

*ANNUAL PERCENTAGE YIELD (APY): All Bread Savings APYs are accurate as of . APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For high-yield savings accounts, a minimum of $100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
†FDIC insurance up to $250,000 per depositor for each ownership category.
Bread Savings™ is a product of Comenity Capital Bank, which is part of Bread Financial.

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[H4] Card benefits

Earn 2% unlimited cash back on purchases when you use the Bread CashbackTM American Express® Credit Card.1Get peace of mind with American Express purchase protection, ID theft insurance and more.2No annual fee and no Foreign Transaction Fees.3

1 Offer is exclusive to Bread Cashback American Express Credit Card holders enrolled in the Bread Cashback program. Cashback can be redeemed as statement credit or direct deposit. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. Please reference the Rewards Terms and Conditions for full program details.
2 Certain terms, conditions, and exclusions apply. For more details, visit American Express.
3 Review important rate, fee, and other cost information.
Credit card offers are subject to credit approval.

American Express is a registered trademark of American Express. This Card is issued by Comenity Capital Bank pursuant to a license from American Express.

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CD Details
*ANNUAL PERCENTAGE YIELD (APY): All Bread Savings APYs are accurate as of . APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For high-yield savings accounts, a minimum of $100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
**FDIC insurance up to $250,000 per depositor for each ownership category.
§Refers to deposits by ACH that are received before 5 p.m. CT on a business day (Monday through Friday, excluding federal holidays). Deposits begin earning interest from the moment they are received but may not be immediately available for withdrawal. Deposits received after 5 p.m. CT or on a non-business day are received on the next business day.

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1Valid one time only. Offer is exclusive to PlayStation® Visa® Credit Card holders enrolled in the PlayStation Credit Card Rewards program. Maximum of $100. This rewards program is provided by Sony Interactive Entertainment and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/playstationvisa.
Credit card offers are subject to credit approval.
PlayStation® Visa® Credit Card Accounts are issued by Comenity Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.

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1Application and approval must occur same day to receive the offer. Cannot be combined with 5% cardmember discount. Valid one time only. The entire transaction amount after discount must be placed on the Academy Sports + Outdoors Credit Card. Cannot be used to purchase gift cards, licenses, or in-store services. See Team Member or visit academy.com/instore-services for list of in-store services. The 5% cardmember discount will be applied for purchases less than $15.01. If approved online, first purchase must be made in the same session as approval to receive discount.
Credit card offers are subject to credit approval.
Academy Sports + Outdoors Credit Card Accounts are issued by Comenity Capital Bank. This credit card program is unavailable to California residents.

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1Valid one time only. Account must not be in default. Redemption Details: Valid one time only. Duplicate offers will not be accepted. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. The entire transaction amount after discount must be placed on the Ross Credit Card. Excludes gift cards, disposable bags and donations. Discount will be given as a barcode that can be redeemed for any single total purchase and does not have to be applied same day as approval.
Credit card offers are subject to credit approval.
Ross Credit Card Accounts are issued by Comenity Capital Bank.
Ross Mastercard® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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[H4] Card Details

1Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received in your cart or via email after you open your new account. Must have valid email address and U.S. mailing address. Sign in to your VictoriasSecret.com account to begin your application for the Victoria’s Secret Credit Card Program. Offer not redeemable for cash or credit. Offer not valid on previous purchases, gift cards and clearance items. Additional limitations may apply. Offer may be modified or discontinued at any time with or without notice.
Credit card offers are subject to credit approval.
Victoria's Secret Credit Card Accounts are issued by Comenity Bank.
Victoria's Secret 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.

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¹Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges.  Valid for single transaction only. Gift cards do not qualify for promotional plans. Qualifying purchases will automatically be placed on a promotional plan. If purchase qualifies for more than one plan, it will be placed on the qualified plan with the longest promotional period. As of March 2026, terms for new Accounts: Purchase APR of 35.99%. Variable Penalty APR up to 39.99%, based on Prime Rate. Minimum interest charge of $3 in any billing period in which interest is due. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.
Credit card offers are subject to credit approval.
HP Credit Card Accounts are issued by Comenity Capital Bank.

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Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google Inc.