Formerly known as Alliance Data Systems, the company rebranded to Bread Financial in 2022 to better reflect its transformation into a modern, technology-focused financial services provider. Bread Financial powers a broad suite of payment, lending, and saving solutions, including private label and co-brand credit cards for numerous retail partners, "buy now, pay later" (BNPL) services through its Bread Pay™ platform, and direct-to-consumer savings products like high-yield savings accounts and certificates of deposit (CDs) offered through its subsidiary, Comenity Bank. The company's mission is to empower consumers with transparent and flexible financial tools.

Founded in

United States