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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.
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.
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
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.
Signet Jewelers Renews Credit Partnership With Comenity Until 2035
Signet Jewelers has extended its existing credit card program with Comenity Bank, with the agreement now running through 2035. The renewed deal also includes a profit-sharing arrangement between the two companies. This continuation reflects an ongoing financial services relationship between the jewelry retailer and the bank.
Bread Savings offers competitive online savings and CD accounts
Bread Savings is an online financial institution known for offering high-interest savings accounts and certificates of deposit. The platform operates fully online, making it an option for consumers seeking above-average returns on their deposits. A review published in 2026 provides an updated overview of its products and conditions.
NFL Extra Points American Express Credit Card launched
Comenity Bank, operating under the Bread Financial brand, has introduced the NFL Extra Points American Express Credit Card. The card is aimed at football fans and offers benefits tied to NFL-related spending. The product was announced through the Bread Financial Newsroom.
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.
Your turn
Do you have experience with Comenity Bank?
Help other consumers by sharing your experience, with a photo of what you actually received. It takes two minutes and you automatically join the monthly draw.
€250
cash per month
One winner from all review submitters, drawn on the 1st of the month.
Your review = real impact + chance to win €250
Guarantee: every review triggers one of these 5 real donations:
- 1 Upload a photo Of your order or the product
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- 3 Trigger a donation Plus a chance at € 250 cash per month
Write a review
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