Comenity Bank

Commercial bank · Wilmington, United States

Comenity Bank is the Delaware credit card bank of Bread Financial Holdings, listed on the NYSE as BFH. FDIC data show USD 7.37 billion of assets, USD 4.01 billion of deposits and one office at 30 June 2026. Its product is consumer credit: private label and co-brand cards issued for retail, travel, jewellery and specialty apparel brands, which Bread Financial says one in seven US adults holds. For companies, the offer is not a bank account but a card programme: a brand signs up for white label financing, co-brand or private label cards and pay-over-time checkout. The Bread Savings deposits advertised on savings.breadfinancial.com are issued by its sister bank Comenity Capital Bank in Utah, not by Comenity Bank.

Legal name: Comenity Bank
Regulated by: FDIC (deposit insurance, certificate 27499), Delaware Office of the State Bank Commissioner, CFPB (consumer financial protection)
Licence confirmed: yes, on a regulator's own list
Established: 1989
Website: www.breadfinancial.com

Scores, 0 to 10

8.5Customer satisfaction

The Bread Financial card servicing app holds 4.8 out of 5 from 165,007 ratings on the US App Store. · source

7.5Financial strength & stability

FDIC data at 30 June 2026 show USD 1.02 billion of equity on USD 7.37 billion of assets and USD 189 million of net income in the half year, under NYSE-listed Bread Financial Holdings. · source

3.5Online businesses: e-commerce and SaaS

Retailers can add branded credit cards and pay-over-time checkout with a merchant portal for partners, but there is no acquiring, settlement account or marketplace payout product. No receiving account, API banking or accounting integration is offered; the only fit for a software company would be embedding pay-over-time checkout. · source

3.0United States

FDIC-insured Delaware state bank with one office that issues consumer credit cards; it publishes no business checking account, no ACH origination and no wire service for companies. · source

3.0Best interest on business balances

The advertised 3.95 percent APY high-yield savings account and 4.25 percent APY nine-month CD are consumer products issued by sister bank Comenity Capital Bank, and Comenity Bank publishes no business balance rate. · source

3.0Fintech companies that need a partner bank

Bread Financial sells white label financing and co-brand and private label card programmes to brands, but there are no safeguarding accounts, sponsor banking or payment rail access for EMIs and payment institutions. · source

2.5Lowest fees

There is no business account to price, and card programme pricing is agreed brand by brand rather than published. · source

2.5Fast digital onboarding

A brand applies through a business enquiry form and Bread Financial says an expert will make contact within one business day, but there is no account application for an ordinary company. · source

2.5High-risk verticals (iGaming, cannabis, adult, forex)

Comenity Bank publishes no policy on gambling, cannabis, adult or forex clients, and offers no business account through which such a firm could bank. · source

2.0Crypto-friendly bank

Comenity Bank sells no business deposit account of any kind, so a crypto firm has nothing to open, and no crypto policy is published. · source

2.0Startups & VC-backed companies

The partner programme is aimed at established recognised brands and there is no account, credit line or venture product for a young company. · source

2.0Business cards (Visa, Mastercard)

Card issuing is the whole business, but the cards are consumer private label and co-brand products for retail brands; no business debit or business credit card is offered. · source

1.5Foreign-owned & non-resident companies

The bank has one Delaware office, sells only US consumer credit products and publishes no route for a foreign-owned company. · source

1.0Cross-border payments, FX and multi-currency accounts

One office in Delaware, US dollar cards and deposits, and no cross-border payment, multi-currency or foreign exchange product is published. A single-currency card bank with one office: no multi-currency accounts, cash pooling, host-to-host connections or liquidity products are offered. · source

1.0Trade, manufacturing & import-export

No letters of credit, guarantees, documentary collections or supply chain finance are offered by this consumer card bank. · source

1.0Crypto wallet and custody for a business

Comenity Bank holds no crypto for anyone; it issues the Crypto.com Visa Signature consumer credit card announced in April 2025, but the CRO rewards land in the cardholder's wallet at Crypto.com, not at the bank. · source

1.0Accept crypto payments

Bread Financial's merchant offer through Comenity Bank is private-label and co-brand credit cards and consumer financing, with no crypto or stablecoin acceptance, checked September 2026. · source

1.0Bitcoin

Comenity Bank offers no bitcoin buying, holding or transfer; its only crypto link is a consumer card whose rewards are paid by Crypto.com, checked September 2026. · source

1.0Ethereum

Comenity Bank offers no ether buying, holding, transfer or staking, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

Comenity Bank offers no stablecoin holding, payouts or settlement, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.