Formerly known as Alliance Data Systems, the company rebranded to Bread Financial in 2022 to better reflect its transformation into a modern financial services provider. Bread Financial offers a suite of products including its "Bread Pay™" Buy Now, Pay Later (BNPL) and installment loan solutions for consumers at the point-of-sale, private label and co-brand credit card programs for various retailers, and direct-to-consumer "Bread Savings™" products like high-yield savings accounts and certificates of deposit. Its mission is to empower consumers with transparent and flexible payment options.

Founded in

United States