New account holders may receive a promotional interest rate bonus when opening a high-yield savings account with a qualifying initial deposit above a set threshold.
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Comenity Bank, operating its savings platform under the Bread Savings brand, offers online savings accounts and certificates of deposit to United States residents. Accounts are provided through Comenity Capital Bank and are FDIC insured up to $250,000 per depositor per ownership category.
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About Comenity Bank
Account type
Online savings accounts and CDs
Minimum deposit (HYSA)
$100
Minimum deposit (CD)
$1,500
HYSA rate
3.95% APY
9-Month CD rate
4.15% APY
FDIC insured
Up to $250,000 per depositor per ownership category
Monthly maintenance fees
None
Mobile app
Available (iOS and Android)
Bread Savings targets individual savers in the United States who are looking for higher-than-average returns without the overhead of traditional brick-and-mortar banking. The platform operates in the online-only banking segment, positioning itself with competitive annual percentage yields on both flexible high-yield savings accounts and fixed-term certificates of deposit. Its typical customer is someone who wants straightforward savings products with no monthly maintenance fees and the security of federal deposit insurance. The service is accessible via web and a dedicated mobile app, appealing to digitally comfortable consumers who prefer to manage their finances remotely.
Active promotions
Ready to use with your order at Comenity Bank.
Customers who open a certificate of deposit with a term of 12 months or longer could be eligible for a rate increase offer at the time of automatic renewal.
Example promotion
This is an example of a promotion that could suit this business. It is not a guaranteed active offer or a working discount code. Check the website for current deals.
To the shop
Comenity Bank in the news
Recent updates and background about Comenity Bank, summarised in our own words.
Florida court dismisses Comenity Bank sales tax refund case
A Florida judge has dismissed a legal case involving Comenity Bank that centered on a sales tax refund dispute. The case was thrown out without proceeding to a further ruling on its merits.
Alternatives to Comenity Bank store credit cards in 2026
CardRates.com published an overview of nine credit card alternatives for consumers who are considering options beyond Comenity Bank store cards. The piece highlights competing products that may offer comparable or different benefits.
An overview of Comenity Bank and its credit card offerings
Comenity Bank is a financial institution known primarily for issuing store-branded and co-branded credit cards. NerdWallet examined what the bank offers and whether its credit card products may suit certain consumers.
Summaries by Image Review based on publicly available sources and our own editing. External links may contain affiliate links.
What others ask about Comenity Bank
Answers to the most common questions, based on search behaviour and our own research.
Is Bread Savings (Comenity Bank) a trustworthy place to keep my money?
Bread Savings accounts are provided through Comenity Capital Bank and are FDIC insured up to $250,000 per depositor for each ownership category. This federal insurance means deposits are protected up to the legal limit, in line with any FDIC member bank.
What do I need to open a Bread Savings account?
Applicants must be at least 18 years old, a United States citizen or resident alien, hold a valid U.S. government-issued Social Security number, and have a physical U.S. address. Only individuals may open a sole or joint ownership account.
Are there any monthly fees on a Bread Savings account?
Bread Savings charges no monthly maintenance fees and no incoming wire transfer fees. Interest starts accruing as soon as funds are transferred into the account.
What is the difference between a Bread Savings HYSA and a CD?
The high-yield savings account offers flexible access to funds with a variable interest rate that can change over time, while a certificate of deposit locks in a fixed rate for a set term ranging from 3 months to 5 years. The CD requires a higher minimum deposit of $1,500 compared to $100 for the HYSA.
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