Bread Financial is a tech‑forward financial services company offering simple, personalized payment, lending, and savings solutions. It empowers customers and partners through digitally enabled choices that provide ease, flexibility, and exceptional experiences. With a digital‑first approach, data insights, and white‑label technology, Bread Financial drives partner growth via private label and co‑brand credit cards and Bread Pay buy now, pay later products. It also offers direct‑to‑consumer solutions, including the Bread Cashback American Express Credit Card and Bread Savings, giving customers more access, choice, and freedom.