Bread Financial

About Bread Financial Holdings

Bread Financial Holdings Inc. is a tech-forward financial services company that provides personalized payment, lending, and saving solutions to customers and consumer-based industries in North America. The company offers a range of credit card and loan financing services, including risk management, account origination, and funding for private label and co-brand credit card programs, as well as Comenity-branded general purpose cash-back credit. Bread Financial manages and services loans for private label, co-brand, and general-purpose credit card programs, as well as installment loans and split-pay products. The company also provides marketing, data, and analytics services, and offers an enhanced digital suite with a unified software development kit for access to its suite of products. Through its Bread digital payments platform and robust APIs, merchants and partners can integrate online point-of-sale financing and other digital payment products. Its products are offered under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. Formerly known as Alliance Data Systems Corporation, the company was incorporated in 1995 and is headquartered in Columbus, Ohio.